WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All three credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently Equifax reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of first delinquency. They also suddenly repotted that " adverse accounts paid in full will automatically be deleted seven years from the date of last activity. '' However the account was foreclosed not paid in full and has never been reported as paid in full until now. XXXX is unreachable. It bankrupted in XXXX and the phone number Equifax gives us does not provide any way to access anyone. We can not buy a new house until this foreclosure is delete and we have already waited over 7.5 years. I have attached the documents we have sent many times to the credit reporting agencies.
Credit Management Services contacted me regarding a hospital bill in XXXX XXXX XXXX Kansas which I have never been a client at or used services at, asked for verification of debt, the collection agency sent me the name & address of the hospital as " proof '' of the debt & said they considered that verification of the debt.
Date-XX/X/2017 Amount- {$150.00} Company- Convergent XXXX XXXX XXXX XXXX / XXXX XXXX XXXX, WA XXXX XXXX Ceditor-XXXX Client #  XXXX Convergent Account # XXXX Amount Owed {$150.00} Sent this notice that the records of XXXX XXXX show a balance of {$150.00}. XXXX due in full. 
This is an attempt to collect a debt. 

I have contacted XXXX and they did not show me owing any money to them. 

This is a fraudulent claim, I do not owe XXXX any money and they have no record of this debt.
Portfolio Recovery has been contacting me every day and sometimes XXXX a day for over a year to collect a debt that belongs to my son. My son does not live in the same state and I have no contact with him. I have told them this, but they keep calling. Can I stop this harassment. This is not my debt.
This is a follow-up to Complaint Number XXXX.

Nationstar 's response to the above-referenced complaint CONCEALED the existence of the mysterious {$60000.00} withdrawal ( see attached, pages 1 and 2 ), and the fact that XXXX ( as trustee ) was overpaid ( according to its own reports ) by {$25000.00} ( see attached, page 3 ).

The response also confirmed that Nationstar charged me a {$110000.00} undocumented " corporate advance '' plus {$180000.00} interest ON TOP OF the unpaid interest that was automatically added to the principal pursuant to the terms of my loan agreement ( see attached, page 4 ).

Nationstar 's falsified documents constituted a fraud on the court, and damaging me by {$380000.00} which amount I will seek to recover through an independent lawsuit.
Midland sued me to collect debt that was not mine. Failed to prove debt was mine and case was dismissed. They refuse to remove it from my credit report on XXXX. All other reporting bureaus removed it. They have told me over the phone with documentation of dismissal it will be removed, it has been submitted and they still refuse to remove it. It is also too old to continue to be reported but they keep changing the date. 

I was told by re that states manager XXXX XXXX, that even though it is past statute of limitations, and lost in court they will still continue to treat this as a collectible debt, and will continue to do so.
This account was created fraudently. And now I have 7 late payments reported on my credit report. This loan should of never been created do to all the fraudent that had happened to get approved.
I disputed in the latest part of our case, number was XXXX. 
XXXX XXXX and XXXX XXXX could not get my full response inside the small box, so I did say that in my pushing dispute I have to open a new number to our case. 
I tried to attach the response letter, but it looked like it did not attach like the rest of my previous attachments did.
I have done several complaints regarding a debt thru  XXXX   XXXX   XXXX  and theservicer of the account Resurgent Capital Services. They have the opened date as  XXXX   XXXX  but that is the date they bought the debt. My original creditor  XXXX  charged it off  on XXXX    XXXX   XXXX  and my last payment on this account  XXXX   XXXX ,  XXXX  as they have clearly stated in the letter I have attached but they will not change the date in   XXXX   an d two years makes a difference. I thought the date on the credit report was the last date of payment not when the debt collector purchased the debt almost 2 years later. The date needs to be corrected
Before I XXXX in XX/XX/2008 I co-signed my wife 's private student loan since I was employed and she was a student. I came home from XXXX totally and permanently XXXX. My only source of income is VA compensation and XXXX. My wife left me and got a divorce about a year after I returned. I have been making monthly payments to her student loan company for a few years now. I have never missed a payment and my ex refuses to take responsibility. I have made every payment but have also pleaded with the private lender to release me as a cosigner. They have refused, even after I have sent in a copy of my VA award letter stating I am a totally and permanently XXXX veteran and I need my XXXX income to survive. I have pleaded with my congressman and senator to write a bill giving cosigner relief to totally and permanently XXXX veterans. The XXXX Bank XXXX XXXX XXXX is XXXX of the lenders. Since I am a XXXX veteran from XXXX the service members civil relief act extends past my service. I informed them since I am a XXXX veteran they have to at least give me a 7 % APR under the Service Members Civil Relief Act and that request was denied. I believe that might be illegal.
I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, transunion , XXXX  and XXXX. these companies have not corrected the error.
I have recently disputed the following account with the credit bureau ( Equifax ) : XXXX XXXX   Acct : XXXX Balance : {$1400.00} The credit bureau subsequently removed this account from my credit file in XX/XX/2018. The account has reappeared on my credit file under XXXX XXXX. I do not have a contract with this company forging any financial obligation nor allowing them to report this debt to by credit. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed, nor do I owe a debt to this company.
In XXXX 2015, I went to a Wells Fargo branch in XXXX, NJ to inquire about opening an HSA account and specifically about the fees associated with such an account. The bank representative with whom I spoke told me that so long as I maintained a minimum of {$5000.00} combined in both my checking account and HSA account with Wells Fargo, I would not incur any fees. Therefore, I decided to open my HSA account with Wells Fargo. Months later, when looking at my HSA statement, I realized that I was being charged a monthly service fee of {$3.00} per month, despite the fact that I maintained an amount greater than {$5000.00} in my checking account and HSA account. 

I contacted Wells Fargo by phone and they simply told me that the information given to me by the representative was wrong and there is nothing I could do about it. I went to speak with the same representative in person and he said again that he was correct and that I should not be charged any fees and that he will look into it. When I followed up with him on the phone, he said he was still looking into it, but I have never been able to receive an answer.
Account is admitted to being paid in full by collection agency but remains on all 3 of my credit reports.
On XX/XX/XXXX there was a fraudulent charge of {$9200.00} on my XXXX credit card with Bank of America. I immediately contacted the bank to report the fraud on XX/XX/XXXX. On XX/XX/XXXX, contacted local police, filed a report with the Federal Trade Commission and put a fraud alert out for XXXX, XXXX, and XXXX. On XX/XX/XXXX, I received a letter from Bank of America stating that my claim was resolved and that the fraudulent charge would be credited, and the charge was credited. On XX/XX/XXXX, I was charged {$9200.00} by Bank of America, reversing the credit. There was no communication from Bank of America about the reversal of the credit. I called the bank 's claims department on XX/XX/XXXX, but the bank employee was unable to tell me why the credit was reversed and was unable to undo the reversal. He stated that I will need to contact the claims department. 

I am being led around by Bank of America for a fraudulent charge that should have been taken cared of on the day it happened.
I am being improperly charged PMI after multiple requests for cancellation by Pinnacle Capital Mortage Corp ( XXXX ). My loan-to-value ratio is now at XXXX % and I am still being charged PMI despite multiple written and oral requests for cancellation. I have held my loan for more than 2 years and have had no missed or late payments. My lender has engaged in systematic obfuscation, including providing multiple mailing addresses to send written requests for cancellation, failing to acknowledge receipt of written requests, and misquoting Homeowner 's Protection Act laws to dissuade me from pursuing PMI cancellation.
I set up my credit card for automatic payment on XX/XX/2017, on this date I also made the monthly payment which posted on XX/XX/2017. On XX/XX/2017 I received a call from Target Redcard stating that I had missed my payment and I needed to pay a {$38.00} late fee. I explained that I 'd set the account up for auto pay and I expected it to be automatically debited from my checking account. The representative acknowledged that autopay was indeed set up on the account, however she did not know why the payment did n't process. I asked that the fee be removed and authorized her to debit the missed payment. I then received another phone call on XX/XX/XXXX stating that the account was not on autopay, and that the late fee would not be removed. I requested a follow up phone call from a supervisor and to have the XX/XX/XXXX call reviewed, the supervisor called back, however she did not review the call and refused to remove the fee instead stating that she 's sorry for the miscommunication, but theres nothing that she will do to correct it. Aside from this alienating customers, it seems very disningenuous for the representative to state that the autopay setup to mysteriously disappreared over the last 7 days. This seems like a scheme to force consumers to pay a fee that is not owed, while damaging individual 's credit.
I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
I had a balance from XXXX and received a settlement letter. I paid the balance due to settle and now Enhanced Recovery has no documentation of the payment 1 year later and will not remove the balance from my credit report. I have called several times and tried to dispute but no results. I was told by the agency that the debt would be removed and that I will receive a proof of payment. I have not received any thing at this point.
Note : This is the third complaint I have submitted for the same issue. I believe that I have been very clear as to the nature of my request and they still refuse to honor it according to California law ( CPC 530.8 ) even though they have given me multiple verbal assurances that they would and I have been diligent about complying with their instructions. In the event they still refuse to comply with this request, I will continue to file these complaints until they do, or I decide that legal action is the only remedy. They need to take this matter seriously. <P/>A Target store card account was fraudulently opened in my name by person ( s ) unknown on XX/XX/XXXX. This person subsequently purchased over {$6000.00} worth of merchandise using this fraudulently obtained line of credit. <P/>The identity thief was careful to cover their tracks and I did not discover that this had occurred until sometime in XX/XX/XXXX. At this time I contacted Target Card Services ( TCS ) and made a request for identity theft information that I am entitled to under California law ( CPC 530.8 ). <P/>The first response I got from a TCS representative was that they " did not have to comply with California law because they are based in Minnesota ''. Through persistence, I eventually persuaded them that they do indeed have to comply with California law because they do business in California. <P/>They then told me to submit a notarized written request for this information ( at my own expense ), which they received on XX/XX/XXXX at XXXX. <P/>The California statute says that they have 10 days after the receipt of this request to comply with the information request, which they in practice completely ignored. <P/>The main document I am interested in is the actual personal information that the identity thief used to fraudulently open the account. This would allow me to know exactly which of my personal data were compromised as well as helping law enforcement to help identify a suspect. <P/>The first attempt to comply with this request resulted in them sending me the personal and confidential information of an entirely unrelated person in XXXX who just happened to open an account on the same day as the identity thief. I was frankly shocked at this reckless disclosure of some innocent third party 's confidential information, but I am not surprised given my experience with this organization. <P/>I informed them of their inappropriate data breach and they responded by making another attempt to comply. They sent me a copy of MY OWN personal information and NOT the application data provided by the data thief as I had requested. On a subsequent phone call they stated that they consider this to be acceptable ( I disagree ) and would not comply further with my information request. <P/>This is what prompted my third complaint to CFPB.
This letter is to request the CRA to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, 328 F.3d 132, 139 ( 4th Cir.  XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. XXXX ).
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES. I ATTACHED MY POLICE REPORT THE CREDIT BUREAUS ADVISED ME TO GET. I ALSO ATTACHED THE FRAUDULENT INQUIRIES SHOWING UP ON MY FILES.THE FRAUDULENT XXXX XXXX
My experience with Capital One Bank Credit Card Department has been completely horrendous. I applied for a Spark Classic Business XXXX Credit Card. 

I was then prompted with a 7-10 day response afterwards I called in to see what needs to be done and I was told to send in identity documents I did such. I then received a letter in the mail requesting business documents plus the letter and I sent in such.

After waiting well over two weeks I call in again to be told the card was finally approved. It took a few days and I finally received my card in the mail and when I tried to activate it I was yet again prompted to submit identification documents after sending a plethora of them already I was AGAIN asked to send the same documents in.

Beyond frustrated I voiced my concerns after submitting them and I was told it would be resolved. 

Now tonight I received a call from Capital One informing me that the business card can not be activated due to a " discrepancy '' I 'm just completely blown away by how Capital One has treated me here and I thought I was beginning a credit card relationship for my business and also personally as I also have a pending personal credit card application as well. 

Im just truly shocked and appalled by these actions from Capital One Bank.
I went online at XXXX XXXX to check out some information on a refinance loan. The next day they called me and took some info I asked them not to run a hard credit check. Apparently they did and could not get any of my scores I talked to them for no more then five minutes and received no info on a loan. All that happened was a hard search is now all on three credit agencies I called to have them removed ( I was on hold for a total of 2 1/2 hrs ) between the three and neither would remove this one hard search. Not to mention how rude they were. I just want it removed. I didn't ask for the search and didn't get it even if I did. Nobody should b treated the way these companies treated me. This was on XX/XX/XXXX at XXXX. XXXX XXXX called and I was on the phone asking for it to be removed till XXXX it took 10 min to appear on XXXX XXXX and now it might be there for 2yrs, a five min mistake. please help. P.S. my credit isn't bad I just want to keep it that way.
I was reported late by Discover Card to the reporting agencies for XXXX and XXXX as XXXX days late for each month, but I was not allowed to change my billing date to accommodate my monthly federal payment date of the XXXX of the month ( which can post as late as XXXX of the month ). I got behind in XXXX and did not make a full payment trying to finish the larger high school tuition payments for my daughter and pay for her college acceptance monies that all took place in XXXX and XXXX XXXX payment was made every month typically the XXXX of the month and based on the online discover website. I paid a huge XXXX monthly payment over XXXX payments {$150.00} ( XXXX ) and {$330.00} ( XXXX ). Now, the discover representative told me today that I have no payment due in XXXX! The balance minimums due in the online system were for XXXX and XXXX? And, they reported me late for XXXX after paying what was asked of {$480.00}. They refused to change my billing payment date until today to the XXXX of each month so the cycle billing date would align me the way I asked for it to do in XXXX. My credit has been adversely affected for the first time in XXXX plus years as I have not been late in the past. AND, I did make payments each month, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The representative did not care that I have been a good customer and always made my payments. And, that somehow I got caught in a billing cycle mess that I just now was able to get out of. BUT, to report me and then say you do not owe a payment for XXXX after all of these payments and report me late XXXX days for XXXX and XX/XX/XXXX. I told the representative that I would still make my payment on XX/XX/XXXX regardless that her system shows no balance due because I make monthly payments. Please help me to get this credit issue fixed if you can.
dear sir/madam : I am fed up and sick to my stomach from hearing and reading about equal opportunity and anti discrimination laws for the last twenty years since I came to this country. after many many incidents over the years, this is the latest incident : I send full application for home refinance to elend.com ( new jersey ), on XXXX within 2 days they provided the credit report from XXXX agencies with score of XXXX, and accepted the income requirements and sent someone for appraisal and charge me {$420.00}. for four weeks after that I was sending emails and making calls with no result. on XXXX they called me asking to provide 1- statement to explain why I got my social security card on XX/XX/XXXX ( the time I came to USA ), 2-documents from XXXX party CPA accountant to show the XXXX for past years although I provided them with complete tax returns from my accountant with there name and signature and contacts. 3-wait for additional possible requirements, although the application was sent with over XXXX pages that include every piece of information any lender would ever ask for. when I got angry about that they called next day to tell me they withdraw the application. up to this moment I have not got copy of the appraisal, and I called the guy who did it, and he said they should give it to me not him.
I received attorney advertisements regarding a lawsuit filed against me on   X/XX/2017     by Jefferson Capital Systems , LLC for {$250.00}. This is the first notification I received regarding the debt. I contacted  Jefferson Capital t o find out who they obtained the debt from and found out that this debt is from a closed bank account from  XXXX  with   XXXX    XXXX   XXXX . I have n't had any contact or made any payments to  XXXX   XXXX  since closing the account. The statue of limitations to collect a debt in the state of Texas is 4 years after the last payment was received. I 've contacted an attorney that will charge me {$350.00} an hour to fight this frivolous lawsuit. If I lose, I will have to pay  Jefferson Capital 's a ttorney 's fees as well. I plan on fighting this in every way I possibly can.
First, and I realize this is not an illegal business practice, I am very upset that I was sold this card at my bank and was not told that they were partnered with a 3rd-party service provider, rather than handling the debt themselves. This card has been the bane of my existence! 

My chief complaint, however, is that I recently learned that Cardholder Services does not permit online update of auto-pay information, although they provide a way to update bank information online. According to the representative I spoke with today : " We do not know that [ you ] have changed bank accounts just because you update the bank account information on our website. How would we know this? '' So despite the fact that I changed my bank account information on their online portal in XX/XX/XXXX when I changed banks, Cardholder Services attempted to debit my old account, I got hit with a returned item fee, and I had to deal with their abysmal joke of a customer service representative. Apparently, the only way to change auto-pay is to call Cardholder Services, have them update their database, then go online and set up auto-pay again. Insane! 

During that call, I authorized my domestic partner to speak on my behalf and my partner requested that a copy of the cardholder agreement or other document that stated that I was required to call them to update the auto-pay details be mailed to our home address for our review. Immediately upon my partner requesting this, the representative refused to speak with her any further, which given that Texas is a Community Property state and we have a notarized document declaring that we are responsible for each other 's support ( debt included ), I 'm fairly certain my partner has the same legal right as me to request said documentation. I 'm also fairly sure that policies such as this must be in writing. I 'm also fairly sure this representative refusing to speak with my partner when I instructed her to discuss these matters with my partner is illegal and discriminatory! My partner asserted a legal right and I want to understand why we were treated as morons ( the representative spoke to us as though our combined XXXX ) and I had to re-request that the documentation be sent ( with no assurance that it would be ).
i paid my crdit card off and they sent me another bill for money.i sent them the money .now the want more money even after i told them to cancel my card