WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card account with Capital One. I recently found out that they reported me 30 days late XXXX to the credit bureaus between XXXX XXXX and XXXX XXXX. I do n't agree that I was ever 30 days late and contacted Capital One on XXXX separate occasions to dispute their claim, beginning on XXXX XXXX, XXXX. I 've requested my account statements as proof of my delinquent payments XXXX separate times now. They have sent me XXXX letters stating the proof was enclosed but there were no statements included with their letter nor any other type of proof. I 've called them repeatedly requesting proof of their claim and they keep telling me I have to submit my request by mail or fax, which I 've done. They have yet to provide me with any documentation that supports their claim which is why I am filing this complaint.
On XX/XX/XXXX IC System wrote a letter to my late father concerning an alleged debt from XXXX XXXX. This allegation had no merit, and in any event XXXX is permanently barred from any collection against the estate as a matter of Texas probate law. On XX/XX/XXXX I wrote to IC System informing them that their allegation of a debt was fraudulent, and invoked the estate 's right under the Fair Debt Collection Practices act to prohibit all further communication and demand verification of the debt. 

On XX/XX/XXXX IC System wrote another letter in WILLING, KNOWING, AND DELIBERATE VIOLATION OF 15 USC 1692c, 15 USC 1692e, and 15 USC 1692g.
This loan was taken out using my credit info to purchase a car loan. I did not take this loan out even though my info was used. It was a family member who used my info. i have reported this to the police and generated a report. i sent this information to the company and expect this company to take this info off my credit report. I do not have the car nor is the car located at my given address. I have no knowledge as to what or where the location of said car
I am trying to refinance with XXXX Bank. XXXX mortgage loans XXXX XXXXare showing up on my credit report as a short sale from a rental home I soldin XXXX XXXX, 2011. The loan numbers are XXXX for {$210000.00} and XXXX for {$39000.00}. 
I need proof from XXXX by way of HUD that this transaction of sell was complete. Thecompany claims that it does not have a record of this information. But it is showingup on all XXXX reporting credit agencies. I can not continue with my refinancing ifXXXX can not give me the information I need to close on my refinancing of my currenthome. I f they can not prove it, then it needs to be remove from the credit reporting agencies which XXXX Equifax XXXX.
My main concern is that I 've been told that this loan is actually illegal in my state. I still plan on paying it off, but if these loans are illegal in my state they should n't be able to offer them. I 'm struggling to pay it off but I 'll figure it out I guess.
Was contacted by premium asset services posing as XXXX XXXX law office from the phone # XXXX. Threatened to file with city clerk if I did not pay and provide bank account, or debit card # 's. Would not provide any verification that I owed the debt.
I discovered this just listed on my credit report within the past 30 days. I have received no notification, no mail, from Enhanced Recovery about this alleged debt. They simply out it on my credit report without notifying me of my legal rights.
I HAVE ATTEMPTED TO HAVE A COLLECTION ACCOUNT REMOVED FROM MY CREDIT.I CONTACTED ALL PARTIES INVOLVED TO DISPUTE THIS. XXXX REMOVED IT BUT THE OTHER XXXX DID NOT. THE ACCOUNT IS NOT MINE. I WAS WORKING XXXX, ALSO D.O.B. DOES NOT MATCH. THIS IS NEGATIVE ON MY CREDIT AND IS CREATING AN ISSUE.
The collection agency is attempting to collect debt I do not owe. They are attempting to " balance bill '' after the original creditor was paid what they agreed to accept from my insurance company for services. They have placed it on my credit reports and also have called excessive number of times to my place of employment. They have also let my coworkers know that the call was about a debt.
I have prepaid visa card Netspend account. I 've had this account over a year with no issues. I get my paycheck direct deposited to it.within 2 hours of the last direct deposit there was a {$300.00} physical atm withdrawal taken from my account in a location very far from me. and another transaction in the same amount in what appears to be XXXX. I filed a dispute claim right away and was told their investigation would take 10 days. it has now been ten days. I contacted them and was told I would get an update in 3 days. they still have not credited my account and I am acquiring late fees and facing shut off notices. this was XXXX of my paycheck and I am at a loss with no money to survive on and no information that this is getting resolved.
I checked my credit report and noticed there was a new collection account from MDS listed on my report and immediatly called the company and provided them with my request for information via fax as wells as vi mail. My request was for specific information pertaining to the account they indicated belonged to me. My request asked for the information authorizing the company to collect the debt from the original creditor, a copy of the agreement I signed with the original creditor, the date they acquired the debt with the original debtor as well as other pertinent information pertaining to the account they have. I sent a copy of my identification to prove who I am. In my request I demanded that if this information is not provided that they cease and desist all further collection efforts and remove every negative report they have made in regards to this account to all credit reporting agencies immediately and indefinitely. My request was for the company to comply with FCRA guidelines as well as HIPAA. The company failed to comply thus far and have only sent me a billing statement and a copy of the charges they are alleging belong to me. The information they sent does not bear any of my personal information as it relates to that on my credit report yet they have failed to remove all reporting and have sent me a bill. I have copies of every letter I sent as well as confirmation of my detailed letter/request from the USPS which shows they have received my request but have failed to comply with FCRA/HIPAA
I opened a credit card with American Express on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Common Pleas Court case number XXXX XXXX XXXX ). 

I also opened a credit card with XXXX XXXX XXXX on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Municipal Court case number CVF XXXX ). 

I settled both cases that year and I have since paid the debts off completely. However, American Express and XXXX XXXX XXXX both continue to report these accounts negatively. The negative reporting is driving my credit score down and I need the information to be updated with the CRAs to reflect that these disputes have been settled and paid in full.
XXXX is reporting incorrect information on my credit report. Several attempts via phone and US mail informing XXXX of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX attempted to send several correspondences to correct wrongful information on XXXX reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 4. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.
This is a follow up to Complaint ID No : XXXX. I made a complaint about SunTrust bank and the unduly charging of fees. Part of this complaint was also that I requested that my account be closed as I wanted no further dealings with this bank. The request was made written and verbally on XX/XX/2017. The bank immediately closed my savings account however to date, are refusing to close the checking account. They are stating that there is a balance owed. I agreed and requested that they close the account and send an invoice for payment for the balance owed. I would in turn make payment on that balance within 5 business days. The bank has refused to close the account. I was told that the account would be locked from activity. This also did not happen. They have allowed transactions on this account in an effort to again extort fees. I was told by one representative that if the account was closed that it would be sent to collections. I advised them to do exactly that and I would pay the invoice sent by collections company. This has not happened. I absolutely refuse to do business with SunTrust and I have told them this on the many occasions that I have requested that this account be closed. I am now reaching out in an effort to get this account closed so that all ties can be severed!
approximately a year ago, when the data breach at XXXX  occured, i reached out per best guidance to the credit agencies.

transunion somehow slipped me into a monthly payment program which i have been unable to get out of due to no one ever answering their XXXX XXXX phones. i've placed several calls to several numbers related to transunion and have given up at the 30-60min mark of being on hold. i never opted into any program, nor did i ever provide bank information for payment to occur, yet somehow my checking account is being drafted with no stop in sight. i'll be contacting my bank to stop payments.
I was shocked when I reviewed my credit report and found a late payment on the following date : XX/XX/2016 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
My reverse mortgage was sold by Champion Mortgage to XXXX XXXX XXXX, a contractor for the US Department of Housing and Urban Development.
During this transition, my house was flooded in the Louisiana flood of XX/XX/XXXX. My flood insurance company paid the claim and the proceeds were sent to Champion Mortgage so they could make the disbursements as the work on my house was completed in stages.
The disbursements were to be made in 3 installments. I received the first 2 installments. The third installment remained with Champion until the reconstruction was completed.
The file was transferred to XXXX, but Champion claims XXXX rejected the funds and they were returned to Champion at least three times.
I am asking for assistance in locating the last flood insurance disbursement of {$20000.00} so I can pay the contractor for the work that was completed in XX/XX/XXXX
About 8 years ago I opened an account with Huntington Bank. I over drafted my account by XXXX $ and I was hit with over XXXX in overdraft fees. There reasoning for this was taking the money out with the largest amount first, because of " importance ''. After a long talk the bank talked me into opening a {$500.00} credit line to protect myself from these fees, they took the money I had deposited and transferred the balance of my fees over to the credit line. I asked them to suspend the entire account so that I could dispute there claims. In turn my credit line sky rocketed to over XXXX due to interest and penalties. I then had another conversation with the bank and explained that I would never pay them a single cent and that all of this came from a XXXX overdraft. I have since learned how to live with cash and have experienced a terrible credit rating. I have had a car loan that I paid on time with no change in my credit score due to this outstanding balance. Now 8 YEARS LATER, I received a payment of XXXX in the mail from Huntington. With a letter informing me that they had noticed I was over charged.
We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XX/XX/2015. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than XXXX, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of XXXX forms of identification, in order to have these disputed items removed.
CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : Phone : ( XXXX ) XXXX Fax : Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CENTRAL FINL CONTROL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I applied for a modification on or about XXXX I have tried for years. My husband and I are senior citizens and he is a XXXX veteran. They denied the modification on XXXX XXXX on XX/XX/XXXX I talked with my relationship manager ( if you call into this company you get XXXX they tell you one thing escalated cases tell you another thing no one knows what the other is doing and you can never talk with your relationship manager without an appointment ) he said I could do a short sale. I immediately hired a realtor she did an open house we received two offers and I choose the highest and best the people had a lot of monies in bank and went over asking. They keep denying the short sale and will not put the foreclosure on hold. I keep appealing and they ask for documents over and over and over again this have caused undue stress on myself and my husband so much so that I was put on medication. They would rather foreclosure and take less then the offer. This tells me and I question the right to enforce the note in California they need to prove they have the right to enforce the note they or the trustee will not. Ocwen is the worst company they say they help homeowners they are not. This is our second home I am trying to work with them they refuse the realtor has people waiting to close they would rather foreclose with a credit bid so I am questioning there standing. Please help XXXX XXXX
Greetings, TransUnion is falsely reporting and suppyling inaccurate data to creditors and vendors regarding my credit and financial information. 
TransUnion seems to has multiple accounts and unable to locate my files. I 've been unable to obtain my credit report online nor by mail. Credit Bureau requested additional information which it was supplied by several means ( mail/fax ) twice. Information submitted is as follow : copies of my ID, social security card, pay stub, and void personal check. In addition, I have filled out the Form XXXX - Disclosure Request. 
Even with the information submitted, TransUnion is still unable to locate my file. I have follow up with Consumer Relations ( XXXX ) several times and answers continue to vague and elusive. 

The impression I received every time I call is that, they have some of my information but its floating around in their system and unable to accurately identify it. 

I appreciated any help you could provide me, Yours truly, XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as ofXX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXI am not sure how this happened, I believe that I had made my payments to you when I received my statements. How can you report me late so many times when I have records of paying?
Already filed Disputes letters also XXXX sent an letter saying that they investigate and deleted or removed some errors this XXXX XXXX XXXX last update was XXXX XXXX2016 I have been trying to get help with credit problems for more than four years now the Fair credit Act as a consumer should help in this case. if any questions please call me at my home phone number ( XXXX ) XXXX or ( XXXX ) XXXX
I called XXXX  on XX/XX/ in regards of an account on my credit report that was reporting accurately. They told me to send in proof of payment. In which I faxed to them the letter from the creditor stating the account had been paid. I received a letter from XXXX dated XX/XX/ stating that the information they are reported is accurate. I sent Transunion the paid in full letter and they still wont update my credit report and thats all I wanted them todo.
Demanding a Credit Bureau Investigate To Whom It May Concern : Trans Union I recently submitted a request for investigation of the following Acct Numbers : OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly.
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I further remind you that you may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. PLEASE ALSO ATTACH COPIES OF : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
I am trying to refinance ; I locked in a rate over a week ago.

I currently have my mortgage through Ditech. The title company requested a pay off quote from Ditech 2 weeks ago.

Nothing was received.

I called Ditech on XX/XX/18 for the payoff and they said 3-5 business days.

We have called them daily, no payoff.

In addition to the title company and new lender calling daily, I called yesterday and spoke to XXXX and explained the situation yet again, she was escalating to her supervisor and would get the document sent over yesterday. We still dont have it.

I attempted to print it online but it said a payoff is not available for my account.

My new rate is expiring.
On XX/XX/18, I received a notice that a collection was put onto my XXXX Credit report by XXXX XXXX XXXX for 2 accounts ( {$5400.00} and {$2300.00} ). The amount and accounts appear to be from a student loan that is currently being paid on time and is in good standing with XXXX, XXXX. I did not receive notification that my account was in collections or was owed to anyone other than XXXX, XXXX. I called XXXX, XXXX and they verified that the account was in good standing and did not know why XXXX XXXX XXXX was reporting it to the credit bureau. I have *NEVER* received any communication whatsoever from XXXX XXXX XXXX XXXX and now my credit score has gone down because of them. I submitted a dispute with XXXX and am waiting on the results. Attached is my latest statement, showing that it is paid on time and my monthly {$75.00} payment amount.