WillisBack/dataset-financial-user-claim huggingface dataset:
I recently reported to the Better Business Bureau that XXXX XXXX was reporting incorrect information to the three credit bureaus ( XXXX, XXXX & Equifax ). After the BBB notified XXXX of my complaint, I was made aware that my credit score had dropped 22 points due to XXXX XXXX reporting a new collection on my credit profile. I have not incurred any recent debt so I contacted the bureaus to inquire about this debt. I was advised that this debt is for the same account number that was being reported since XX/XX/XXXX. XXXX XXXX is reporting this debt as of XX/XX/XXXX, which is considered re-aging my account and is illegal. In addition to this, they continue to report Inaccurate information such as : balance owed, date of last payment and my payment history. I have asked this company to repeatedly correct these errors but all of my request have went unanswered. Im asking for your assistance in stopping this company from continuing to do these illegal practices.
We use XXXX to pay our credit card for us. It is wonderful, and we don't have to worry about our bill because they debit our checking account and pay off our credit card every week. It is fabulous. However, Capital One thinks this violates our privacy, even though we authorized XXXX to do this, and they have taken many steps to ensure our privacy and protection. We got this credit card with Capital One specifically for this purpose, to use with XXXX, and we will have to find another credit card if Capital One can't resolve this issue. Here is the letter we received from XXXX regarding the issue : " We are writing to you today to inform you of an issue with Capital One accounts on XXXX. We recently discovered that our bank connection partner that allows us to access your account balances is experiencing problems with their Capital One integration. 


This means that we wont be able to link new Capital One cards to XXXX and any Capital One cards you've already linked will not update with new transactions until this is resolved. Starting tomorrow, we'll pause all Capital One credit cards with XXXX, and if you are using a Capital One checking account we will disable automated withdrawals. We are also going to create extra payments for all Capital One credit cards to make sure any funds in your XXXX account are applied to your cards. 


Our engineering team is working hard to resolve this issue quickly although we dont have a timeline for a fix at this time. We apologize for this inconvenience and will let you know as soon as we have made significant progress and can reactivate these accounts for you. 


This news has been extremely disappointing to us here at XXXX, and we believe that Capital One is not being fair to their users who rely on them for financial products both large and small. We are encouraging all of ours users to contact Capital One and complain if you enjoy using XXXX and other finance apps. You can reach them : On XXXX : @ CapitalOne # protectdataaccess By Phone : XXXX You may also file a complaint with the Consumer Financial Protection Bureau : https : //www.consumerfinance.gov/ Sincerely, XXXX ''
In the past year, Navient has not only driven me into financial hardship, they have also tarnished my credit. At the end of XX/XX/XXXX and beginning of XX/XX/XXXX my student loan payments had started. I called Navient numerous times to get my payments lowered as they were substantially high and I was ( and still ) unable to afford them along with my household living expenses. As of right now my payments are over {$900.00} a month, along with my XXXX loans which are around {$110.00} a month. When I called Navient in the early months of XX/XX/XXXX they had told me there was nothing I could do to lower my payments and did not take into consideration that I had an XXXX I needed to support. They had told me to stop making payments until my loans went into deferment and to call back after this time had passed and they may be able to do something as it will appear that I am unable to make the payments. After waiting I called back and explained my financial situation again, and asking for my payments to be lowered. After doing this for numerous months, as they had directed me to do, they refused to help me with a payment plan and they had me put my loans into forbarence for XXXX months. Knowing there " was n't anything they could do '' I started making my payments which are over {$900.00} for Navient along with my {$110.00} payment to XXXX, putting my family into financial hardship. 
Not knowing what to do and being able to afford to live independently with my family I did as they had directed me to do thinking they were going to help. Now I live with the harsh effects of this. I am now unable to consolidate my loans as every bank has denied my application because of the effects this took on my credit.
I have requested that these fraudulent accounts that was open in my name to be removed along with the addresses that I never lived at. I never once applied for these accounts online nor have I sent in any applications. Two accounts from XXXX XXXX, One account from XXXX XXXX XXXX. These two address XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX.
I have sent several dispute letters as this is not my debt. I have always had insurance to provide to the hospital but this bill is not mines.
The credit reporting by Transunion still showed i have a paid federal tax lien on my report. I have disputed it with them 3 times. All of my other federal tax liens have been removed from my report. Even XXXX has removed all of my federal tax liens from my report. These liens were paid XXXX/XXXX/XXXX and all they have done was update, which they should have removed them just like the other 7 which were paid on the same date.
This is in regards to an alleged  XXXX   XXXX  Credit Card, this has not been handled properly by Midland.     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
Because of the XXXX data breach I tried to freeze my credit with Transunion ( and the other credit bureaus as well ). I was able to find the link to complete the credit freeze process online several days ago but now Transunion appears to have hidden the ability to do this online. Now I am only able to find their pay credit monitoring service. This is not the same as freezing credit and I do not want their credit monitoring service, I want to freeze my credit. I called their 800 line but get disconnected when trying to complete the credit freeze process. 
I can only presume that Transunion is doing this on purpose in an effort to get people to purchase their credit monitoring service - something that is not at all equivalent to freezing credit.
In XX/XX/XXXX I created a dispute through XXXX  and Transunion in regards to validating a Bankruptcy showing as a public record. They claimed that it was valid. 
Being that we had not had a Bankruptcy in the XXXX XXXX Court System, we sent the courts a letter requesting to validate the account using the address provided on my XXXX  report. The letter came back as a " return to sender '' -invalid address in XX/XX/XXXX. 

We would like this public record removed from my XXXX and Transunion report due to the error and lack of validity and errors when XXXXand Transunion investigated it.
I refinanced my home, my old mortgage company, DiTech, marked my account status as.. Paid/Account delinquent 60 days past due date/Late 60 Days, on my credit report. I have never made a payment 60 days late. I called DiTech and they gave me a fax number to send my dispute to them. The lady also said she does not show that I was ever 60 days late. How do I get this off my credit report?
In XX/XX/XXXX I applied for and received an online loan from XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount we loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could do I contacted the Indiana Department of Financial Institutions and the Indiana Secretary of State, both of which informed me that XXXX wasnt licensed in the state of Indiana, theyre tribal leaders and charged illegal rates of interest. They advised me that the loans were illegal thus making them null, void and uncollectable. Upon receiving this information I contacted XXXX via phone and told the what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - Complete Credit Solutions , Inc . 
In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said they a case manger would look into it. I wasnt given any time or even the persons name. I then contacted Complete credit solutions- who were very rude and basically said that they have money on this account and I needed to pay. I advised them that the loan was null, void and uncollectable but they insisted that this legal for them to report this to the credit bureau. I have since then filed a dispute within the credit bureau XXXX. 

I also had another loan with XXXX that I received in XX/XX/XXXX paid in full in XX/XX/XXXX. Loan amount was {$800.00} total amount paid {$2000.00}.
They have for communication skills XXXX XXXX claims they put me in a loan rehabilitation program for XXXX dollars a month for nine months I have mailed the paper back three times and they claim they have never gotten it so now I have a put my loans into default with a they 're debt collecting agency Threatening me on how they are going to get their money obviously someone is not doing their job because every time I mailed the paperback they do n't get the paper so something is wrong here they also claim they can not postpone my payments so they gave me the option of a loan rehabilitation program
I have a HELOC w/ Wells Fargo Bank . While out of the country on business XX/XX/XXXX. and XX/XX/XXXX I missed the notice to renew my home owners insurance policy from the insurance company. When I returned I renewed my coverage but not before there was a lapse in coverage. 
Wells Fargo sent me a letter requiring me to demonstrate the property was covered by adequate insurance coverage and although I had the coverage I was not inclined to immediately demonstrate it to Wells Fargo so they can earn a risk premium on the HELOC when they incur no risk. XX/XX/XXXX, after having received several warning letters from Wells Fargo, I called them but was told I would need to fax ( NOT scan and attach to an email message ) the proof of insurance. I visited a local branch and they assisted in faxing the proof of insurance to Wells Fargo. Thereafter I received another letter fm Wells Fargo notifying me that they had purchased an insurance policy for my property since I had failed to demonstrate proof of coverage. I returned to the branch on XX/XX/XXXX and we again spoke w/ the contact provided and again faxed the policy since they had no record of having received the first fax. I was assured that I would receive a letter in several days. 
On XX/XX/XXXX I received another letter informing me that I have been charged a prorated portion of the imputed insurance premium for the period of time where there was a lapse in coverage. Although much less that the larcenous rate I was first quoted of {$3200.00}, I was told that I owe now owe {$670.00} for the coverage. ( My coverage for the entire year costs {$910.00}! That they could not negotiate a premium w/ their purchasing power demonstrates to me that there is no 3rd party insurer but rather this represents an imputed amount att he maximum rate they feel they can pass along. ) Wells Fargo is requiring reimbursement for an imputed premium for a period of historical time where there is no liability. I could understand if I did not have coverage and could not demonstrate it going forward, but to impute it retroactively is nothing but a money grab!
The account of XXXX which has been attached has not been removed from my credit report. This account should be removed from my credit report as it is not mine and a police report has been filed to show that it is a fraudulent charge.
I filed for a Loan Modification in the month of XXXX XXXX. I only received 2 denials by letter when I was told by one guy there on the phone there were over 25 programs and surely, I qualify for one. I was also told that they were easier to get a loan modification from than XXXX. On XXXX/XXXX/XXXX, I called them and asked what was going on totally expecting to get a lone modification. I was informed I was denied. I was then told that they felt I could afford the house. 
I HAD PROVED THAT AFTER THEY RAKED ME OVER THE COALS IN SEVERAL VERY HEATED CONVERSATIONS WITH MY INCOME. THAT THERE WAS NO HARDSHIP BECAUSE I COULD AFFORD THE HOUSE SO THEREFORE NO LOAN MODIFICATION. I HAD BEEN IN 2 WRECKS WHICH I SENT THEM ALL THAT INFORMATION. THIS WAS A 49.3 MINUTE PHONE CALL ON XXXX @ XXXX, WHERE I ARGUED WITH THEM. MY HOME WASNTHEN SET UP FOR FORECLOSURE ON XXXX/XXXX/XXXX. 
I FEEL I HAVE BEEN DISCRIMINATED AGAINST, AS A SINGLE WOMAN TRYING TO KEEP MY HOME. 
I WAS BERATED AND TOLD I COULD NOT AFFORD MY HOUSE SO NO LOAN MODIFICATION. THEN I PROVE I CAN AFFORD IT AND I AM STILL DENIED. 
I HAVEN BEEN DENIED ALL HARP AND/OR HAMP WHICH EXPIRED IN XXXX. I WAS ALSO DENIED THE PRINCIPAL REDUCTION MODIFICATION PLAN OFFERED BY FANNIE MAE. 
I was denied a loan modification of any kind, loan reduction, Principal reduction, balance forgiveness and loan term extension. I have been put through XXXX, ruined my credit by filing bankruptcy to keep my home over and over. The stress has affected my health and I was still healing from the wreck. I am on pain meds and muscle relaxers daily. Instead of offering me a solution they put my house for AUCTION and they blamed it on Fannie Mae and it was their decision, THAT I WAS NOT APPROVED. 
My loan PAYMENT WAS RAISED SEVERAL TIMES ON AND OFF WITH NO NOTIFICATION. 
I would also like a review of what is owed. They sold it when it was scheduled for auction on XXXX/XXXX/XXXX. I was never notified of the cancelled auction. 
In have no family, but my children. This is my home. My credit is ruined. Im severely stressed. I HAVE BEEN ON A ROLLER COASTER WITH MY HOME AND AM NOW IN BANKRUPTCY AGAIN BECAUSE THEY SOLD IT TO XXXX XXXX. 
THESE EMPLOYEES AT XXXX AND SETERUS GET PAID BONUS FOR GETTING PEOPLE OUT OF THEIR HOMES. XXXX ALWAYS TOLD ME THAT IT WAS ALL FANNIE MAE 'S DECISION AND NOT THEIRS. EVEN THOUGH XXXX TOLD ME THEY PUT IN THE INFORMATION IN THIS HUGE MACHINE/APP AND IT FIGURES IT OUT BUT TAKES 30 PLUS DAYS. I ALWAYS WAITED ON PINS AND NEEDLES WITH BOTH XXXX XXXX  XXXX AND SETERUS. I HAD TO GO THROUGH ONE BANKRUPTCY BECAUSE XXXX  UPPED MY PAYMENT {$XXXX} RIGHT AFTER I SIGNED THEN LOAN. 
I HAVE BEEN TERRORIZED FOR THE LAST 4 YEARS AND SUFFERED THROUGH LAST 9 TRYING TO KEEP MY HOME. 
THERE NEEDS TO BE NEW LAWS TOO MANY LOST THEIR HOMES AND WERE TREATED UNFAIRLY.
XXXX XXXX XXXX ( XXXX ) charged me on my account in error of {$170.00} and employed Diversified Consultant a third party collection agency to retained monies not was not owed. The account was put on my credit reports, which was incorrect. XXXX XXXX, XXXX XXXX XXXX Office of President have submitted several request to have the account removed from my credit reports. Additionally, A refund was sent to me regarding my account and other fees. On XX/XX/, I faxed an official letter for XXXX XXXX XXXX and email correspondence as supporting evidence. On XX/XX/, I called Diversified Consultant to get the account removed and was met with opposition from one of their reps. She admittedly stated that understand that the account was in error and of " NO '' of mine, they would not remove the account.
I have contact this company before stating I have no valid contract with them. They sold my debt to another company. I have contacted this company and disputed the debt. I have no valid contract with them. Please cease and desist all contact. Please remove all falsely reported information off my credit reports. Please do not sell this debt for something you have no valid contract on. This is in no way saying I owe this debt.
On the morning on XX/XX/2018, I called capital one several times to get information regarding increasing my line of credit or switching to a different product. I currently have one credit card with them that I pay off monthly and overpaid this month.

After getting some information, I left my phone and card in my car and went back to work. During my lunch I called Capital One again at which point I was informed that my account was closed. Thinking it may have been an accident, I reached out to a manager and inform them that this may have been an error and was told they would not re-open my account.

Confused and angry, I called again and was told that a request would be submitted to re-open my account.
Navient and XXXX XXXX are both reporting I have been delinquent 120 plus days on my credit report back in XX/XX/2014which is dramatically impacting my credit score. Reports show in XX/XX/2014my loans were 120+ Days late. This is I accurate I have never been late paying on my loans EVER. I have had to pay credit repair services to take the late payments off to which they successfully do but then XXXX XXXX and navient once again report these inaccurate late payments again shortly after It is removed. I want the late payments removed permanently. These problems did not occur until navient bought XXXX XXXX. I have seen through the credit repair service I have used that navient and XXXX XXXX say charge off and settlement I have no clue what these companies are doing but it needs to stop! I want to know why XXXX XXXX and navient are BOTH reporting the same thing as well? Didnt navient but XXXX XXXX? Why is XXXX XXXX continuing to hit my report It is showing 120+ Days late 4 times every time due to mynlaon being 2 separate loans however, because they both continue to report negatively It shows double!
RE : Intent to file lawsuit, no response for Validation documentation. 
Validation Letter sent to : XXXX, A Debt CollectorXXXX XXXX XXXX XXXX, FL XXXX The account ending in # XXXX To Whom It May Concern : Please be advised I have requested " validation '' { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law Against the above named original creditor/collection agency. Should this Item not be deleted within the required time allowed by law I will seek every Legal remedy available to me and file suit against the credit bureau Responsible for reporting this erroneous claim. 
I urge you to take this extremely seriously as I have documented my case Without an error. I encourage a response from you expeditiously.
XXXX XXXX is reporting that I owe a debt of {$160.00} to XXXX XXXX XXXX. I do not owe XXXX a balance of {$160.00} and I have never owed a balance of {$160.00} to XXXX. I have reported this issue to the XXXX XXXX board and they contacted XXXX regarding the debt. A representative from XXXX sent myself and a state a letter in writing acknowledging the error. They have since submitted a notice to XXXX XXXX notifying them that I never owed a balance of {$160.00}. XXXX XXXX has received this notice and is continuing to report false information after being updated by the original creditor. The incorrect reporting of this debt is violating the FCRA and Georgia state laws. If XXXX XXXX does not remove this debt of {$160.00} I will be forced to pursue legal action against the company.
This week I received a notice from Law Offices of Patenaude & Felix, A.P.C. in an attempt to collect a debt that was settled in a short sale of a property in XX/XX/XXXX. This is the second such collection attempt from another deb collection firm, clearly the debt was resold to another firm. The XXXX firm, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to collect the debt in XX/XX/XXXX. I retained a local attorney ( XXXX XXXX XXXX ) to contact the debt collection firm and force them to cease their attempts. My attorney cited the fact that their attempts appeared to violate the Fair Debt Collection Act and demanded that they produce " copies of all correspondence and any settlement agreements '' relative to this debt. No response was ever received and nothing was ever produced. XXXX, XXXX, XXXX XXXX XXXX immediately ceased attempting to collect the debt and no further contact was received. Now two years later another debt collection firm, Patenaude & Felix, A.P.C. is again attempting to collect a debt that was settled in a short sale and I know longer owe. For nearly 4 years now, this debt continues to tarnish my otherwise good credit rating and I feel helpless to remedy the situation.
On  XXXX   XXXX  i visited  XXXX   XXXX  in  XXXX  Nc. I expressed to salesman i did not want multiple pulling of my report. Well it was pulled a total  of   XXXX   times. Which drastically lowered my credit score ! Reading FCRA it states automobile inqiries within a 14 day period shall count as  1.   XXXX , TransUnion and   XXXX   are all reporting each individual inquiry, which in turn harmed m y credit score. I ha ve already filed complaint against the dealership for going against my wishes. The time between  XXXX   XXXX  to  XXXX   XXXX  my credit was continuosly requested. My complaint is the Credit Bureaus are reporting in error according to the FCRA.
On XX/XX/XXXX my Wells Fargo account says my due date for a personal loan is XX/XX/XXXX and the amount owed is {$270.00} So XX/XX/XXXX you make a payment for {$350.00} ( 59 days before due ). After processing the due date remains XX/XX/XXXX and the amount owed is {$270.00}. 

So I email Wells Fargo and on XX/XX/XXXX they respond. Our loans are only able to be paid ahead more than 60 days. Mine was done 59 days which is under the 60 days mentioned. 

So I wait a few days and on XX/XX/XXXX I make a {$300.00} payment. After processing the due date remains XX/XX/XXXX and the amount owed is {$270.00}. 

I emailed Wells Fargo again and on XX/XX/XXXXthey respond Your personal line and loan can only be paid ahead 60 days. If it is more than 60 days, your payments will be applied to principle only payments. 

Yet XX/XX/XXXXwas 45 days from my due date well within the 60 timeframe. 

So I go to Wells Fargo in XXXX XXXX Mn on XX/XX/XXXX to talk to a banker. The Banker does some research and calls a Wells Fargo Office somewhere. He tells me there was some kind of glitch on their end and isnt sure why things were not changing. 

The good news he tells me is that an automatic transfer from my bank account to the loan in the amount of {$270.00} is still set to go for that day. 

In other words Wells Fargo forced me to pay {$920.00} for a payment of {$270.00}. 

The glitch was Wells Fargos problem not mine. Was given a due date and a payment amount and twice I paid within those guidelines and Wells Fargo refused to honor it.