WillisBack/dataset-financial-user-claim huggingface dataset:
I had two credit cards with bank of america, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to Bank of America in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that Bank of America reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the bank of america accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.
DEBT COLLECTOR IS NOT THE REAL PARTY IN INTEREST I DONT HAVE A DUTY TO PAY THIS PARTY I NEVER RECIEVED ANY BENEFIT FROM THIS PARTY I DONT HAVE A CONTRQACT WITH THIS OPARTY FOR THE COLLECTION OF THIS DEBT THIS IS A STALE DEBT OLDER THAN 4 YEARS.
I have attached XXXX documents, XXXX is a police report in which the capital one secured credit cards were part of the report as they were stolen and XXXX witnesses informed me and my partner XXXX at the time, that indeed it was capital one credit cards that were stolen from us that were used without our knowledge. I have not once been out of view of CAPITAL ONE and tried to work with them as they also put all XXXX secured card in collections, even knowing about the idenity theft. If you look at other document it contains to of the XXXX accounts, all XXXX were not only part of the idenity theft but as you see that I made a huge payment of {$220.00} on XX/XX/2012 even though the cards were stolen and I could paid the {$50.00} liablity, I paid the whole thing. My credit line was {$400.00}, {$240.00} of that was a deposit of mine. My last purchase came in on XX/XX/XXXX of under {$4.00}. If you see here obviously I closed the card around a last payment and transaction and around idenity theft robbery. But with all XXXX cards 7 months later, EVEN AFTER last purchase posting was 7 months prior, the card remainded open yet 7 months with tons of interest rates and membership fees and weird transaction rebills and then all of a sudden I owe {$360.00} on a card that I have a {$400.00} limit, {$240.00} my deposit and I made a sizeable payment at end. So, it doesnt take a scientist to figure out, several upon several FCRA regulations were broken per card. And I tried to work with them but they refused to call me, and the sent my stuff to IRS which this needs to be handled, I am more than disgusted and I am fuming. This is disgusting, and this is whats even worse, on the document with account ending in card XXXX which was the prior one I discussed, you will see an account ending in XXXX. I am gon na leave this one brief and simple you see where it says capital one said to me that the account as not a secured card. First of all I had XXXX secured cards with them, due to robbery and identity theft issues, I only could get secured cards and the credit line was {$750.00}, CAPITAL ONE does not have a {$750.00} unsecured card. Not only that I put {$600.00} down on the card as a deposit, I have asked CAPITAL ONE to show me proof that it was not a secured card and they have refused to send any proof. This is a very serious situation and needs to be handled. I am have put well over 15 hours a week or more into all this since it happened in XX/XX/2012 with the robbery and every else that happened to be responsible, this could have been prevented and with the XXXX CAPITAL ONE has broken even more FCRA regulations then the other XXXX cards. I am disgusted and want my life back and CAPITAL ONE Needs grow up.
BANK OF AMERICA REFUSES TO ANSWER MY QUESTION CAN I GET BOA TO LEND ME {$30000.00}. FOR PRIVATE LAW SCHOOL TUITION? LAW SCHOOL IS {$50000.00} BUT US GOVT ONLY LENDS {$20000.00}. CAN BOA LEND ME {$30000.00} FOR XXXX SCHOOL?
I am sending another complaint because i am becoming extremely concerned about some misinformation that is reporting on my credit report. I have been waiting more than 60 days, I have sent a second complaint and I have disputed this companies response and yet I still do not have a proper resolution to some incorrect reporting on my credit report. 

Experian is reporting false negative items to my credit report damaging my creditability with all of my financial institutions. I would like to extend another complaint to the CFPB with high hopes that my situation will be elevated to a more invasive investigative unit. I am highly concerned that they are continually shutting me down and refusing to properly investigate and validate their wrongful reporting and this process is taking so long that it has left me financial paralyzed. 

1. XXXX XXXX card # XXXX is reporting XXXX late payments and that is absolutely false and I would like the CFPB to join forces with XXXX and properly verify this misinformation immediately. 

3. XXXX, XXXX is an account that has violated consumer safety and protection laws against me as a consumer and has to be deleted for falsely and illegally reporting to my credit report with your company. They are in violation of FDCPA laws and are currently under federal investigation for threats, abusive conduct and illegal documentation and non-debt validation. 

4. The TAX Lien was withdrawn from my name and I DONT REQUEST INFORMATION SUCH AS MY NAME TO BE VERIFIED! I have repeatedly asked them to stop sending me generic and uneducated responses verify silly things such as my name and such. I have told them that there are court orders from 2011 withdrawing these invalid liens. VERIFY THAT OR DELETE THE TAX LIEN immediately because you are ILLEGALLY reporting it! 

I will not take ANOTHER generic response as a form of validation of my disputes. Correct these XXXX items immediately, I will not stand for any lack of proof, investigation and evidence which I am requesting as my right by LAW. That is not a proper reinvestigation BY ANY TERMS! I can not afford to wait any longer, it has been way too long, too tedious and I fear as though someone at Experian is purposefully making this hard for me. I want this information corrected, and nothing else. This is my life. Please ...
XXXX XXXX XXXX XXXX XXXX I received a letter in the mail saying I owe XXXX for an apartment Ive never stayed in or rented. They said I live in a apartment in XXXX ga from XXXX XXXX til end of XXXX! When I purchased a home in XXXX XXXX. I went to apartment complex and the lady also Stayed I was not who. She rented to and I submitted my information to them and they refused to remove it off my credit report and I have debt collection calling for this bill!
In XX/XX/XXXX, I have already had to file 2 complaints with CFPB. In XX/XX/XXXX/XX/XX/XXXX timeframe, I re-filed a complaint because a resolution to my request has been avoided. A {$20000.00} payment paid by cashiers check was provided to Wells Fargo 's previous bank, XXXX XXXX during its transition to XXXX to pay down a substantial portion of a HELOC loan, # XXXX. Wells Fargo claims they can not find the deposit in the archives, ( although I have provided clear evidence of the unapplied sum ), which should reduce the balance of the HELOC debt, and they refuse to take any action or enact any resolution to correct the error. I have received correspondence stating that Wells Fargo can not validate their position because they do not have the records, tax records, deposit or any other records from XXXX XXXX/ XXXX . That is not an acceptable response. All documentation should be in the archives & in their vault. I provided a copy of the deposit receipt applied to the HELOC account, & copy of the cashiers check. In Wells Fargo 's response, denial & resolution letter, they asked me for a cancelled check. Cashiers checks are paid upfront & the customer is provided a receipt & transaction #, customer is not provided a cancelled check. Either Wells Fargo is operating without due diligence or they are pretending to be unintelligent to avoid a resolution, because my evidence was provided. They are refusing to credit me the {$20000.00} & recalculate all payments from that date forward, negotiate a settlement, take current payments from me on this account, in fact they are refusing to workout a payment option & are attempting to sell my house on XX/XX/XXXX over approximately {$7000.00}. + legal fees. They owe me {$20000.00} + an adjusted balance. 
The fact that Wells Fargo can not produce their information or documentation, is not a valid reason to deny my evidence. They will avoid a resolution until I have to take legal action. I can not believe Well Fargo is once again getting away with illegal practices, one that is even much more damaging than opening extra unauthorized bank  accounts. Your help will be greatly appreciated.
Several attempts made dispute XXXX XXXX with all 3 bureaus from the time frame of XX/XX/XXXX to present. All agencies responded that the account was verified. I then requested each agency provide physical proof of verification that was used to verify account as of date no documents have been received as of yet. I went a step further to request directly that XXXX validate the collection account reporting on file. This request was sent certified mailed confirmation shows it was received XX/XX/XXXX. However as of date XXXX has failed to validate debt, respond to my request and they continue to report inaccurate information that I have no knowledge of.
The debt was pay in Full on XXXX satament from my bank can be submit .. that paymennt was made it and never reported
The information on my credit report does not belong to me. The name, date of birth do not match mine. The false information has been affecting my life as a college stundent. I canoot get student loans, car, credit cards, or even rent an apartment due to the false information on the credit report.
American Express cancelled my cards after falling behind XXXX days on one of them - My Business Rewards Gold Card. I consider my business my business and not my personal account. On XXXX XXXX, 2015 AMEX issued a letter stating my account had not been closed and provided me a reservation number to pay my account by XXXX/XXXX/15 to prevent further action. I called AMEX on XX/XX/XXXX, spoke with XXXX in Account Services, and was advised I could make the payment on XXXX/XXXX/15 as indicated in the letter. I arranged to debit my bank account on XXXX/XXXX/15 for the balance due in full of {$2200.00}. During this conversation, I was transferred to Membership Rewards and then was advised my account was already closed ( XXXX/XXXX/15 ). I asked regarding my membership rewards points and was advised my account would be reviewed for reinstatement. I have been seeking credit for over XXXX rewards points since XXXX, 2015 and have been unsuccessful ( see attached error message ). I found that AMEX later cancelled my personal card ( XXXX ) as of XXXX/XXXX/15 but failed to advise me. I spoke with AMEX on XXXX/XXXX/15 to confirm the payment was credited and the XXXX XXXX account was in good standing ( with XXXX XXXX ). This payment was confirmed by my bank and the reinstatement process was initiated. I later noticed on XXXX/XXXX/15 my personal card ( XXXX ) was being declined. It appears both of my AMEX cards were cancelled by account services. AMEX states I would need to pay a {$25.00} reinstatement fee and that is the only way to get credit or use my membership rewards points. Every conversation with AMEX gives a different story and we continue to disagree. I am looking for my rewards that I earned and should be able to use within XXXX days of cancellation. I hope you can find this complaint in line with others and take the necessary action to see that others do not experience this. Today I have been transferred over XXXX times, talked over and I am told my cards were closed due to " holistic '' reasons. What is that suppose to mean? I reached out to the executive offices and spoke with XXXX XXXX and his explanation was this is a holistic approach to account management. I am seeking that my accounts remain closed per my request, and any negative reporting be removed from my credit bureau reports, a letter of credit reference be issued to me for each account, my rewards points be honored and reinstated at no charge to me. If the can not honor the rewards points without reinstatement, I am unwilling to pay the {$25.00} fee per card. I have paid all late fees in full and never been late on my personal AMEX ( XXXX ) account. I would estimate the XXXX MR points to be at around $ XXXX-XXXX in value noted below. Please contact me if you have any questions. Thank you, XXXX XXXX
On/aboout XX/XX/2018, I requested a balance increase on one of my credit cards with Capital One. I have not previously requested a balance increase on this particular card because I intentionally keep available credit low. On XX/XX/2018, I received a reply denying my credit limit increase based on information XXXX   provided to Capital One ( see attached ). The reasons provided for denying my credit limit increase are listed as : ( 1 ) credit score of XXXX ( 2 ) Derogatory public record or collection filed ( 2 ) Length of time since Derogatory Public Record or Collection is too short ( 3 ) Proportion of balances to credit limits too high on bank revolving or other revolving accounts ( 4 ) Too many inquires last 12 months. I then went online to XXXX XXXX website and requested a copy of my credit report which does not reflect the information they provided to Capital One ( see attached ). I then paid for a copy of my credit score with XXXX, which XXXX should! refund me, and my score is XXXX ( see attached ). Thus, XXXX has provided inaccurate and incorrect derogatory information about me to one of my creditors resulting in denial of credit that more than likely would have otherwise been granted had XXXX not provided inaccurate and derogatory information. I am including Capital One on this complaint so that Capital One is aware that XXXX is providing inaccurate and incorrect derogatory information about consumers.
I recently received a notice alert from the credit bureaus that a collection was added to my credit report. I called XXXX XXXX and they informed me it was for a repossessed car, the issue is i have never had a vehicle repossessed or a collection before. They informed me that this was from a loan with Santander opened on XX/XX/XXXX and closed XX/XX/XXXX, a few issues with this 1. Never mine and this was a result of ID theft i have attached the FTC affidavit and Police report 2. This was reported to credit but i was never given a notice or dunning letter to dispute before placing on credit. 3. If this debt is in fact a valid debt this is past statute of limitations of 6 years from last payment date again making not a valid account for collections.
In XXXX I took out a mortgage loan with XXXX XXXX Mortgage XXXX for the amount of {$330000.00}. On XXXX/XXXX/XXXX there was an assignment of mortgage filed with the XXXX XXXX XXXX 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX Mortgage XXXX to XXXX Bank XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX. On XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX started a foreclosure action against me for the amount of {$340000.00}, which is {$4900.00} more from my original mortgage. How does that make sense, when I had paid about {$100000.00}. Also, even though XXXX Bank XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage Investor XXXX, XXXX XXXX named as the plaintiff in my case why am I not receiving my mortgage statements from them but rather from Citi Mortgage. I have tried fixing the problem, and the response I get from the bank is that the investor does n't participate in loan modifications. How am I going to save my home if they are not even giving me a chance. It seems like they do n't care if I pay them back or not, they just want me out of my home. I am victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.
On XX/XX/XXXX, I requested an investigation with XXXX XXXX into my XXXX XXXX account, because as of XX/XX/XXXX a mortgage modification was done but the account continues to show negative information ( delinquent payments and past due amount ). After a modification is done the account should show current. The investigation came back with no information being changed. A second investigation was requested on XX/XX/XXXX, and as of this writing the account still stands in the negative.
I have contacted Experian via phone, letter, and through its website dispute process. I was a victime of identity thieft with a credit card company call XXXX XXXX XXXX. I filed a FTC report and submitted several affidavits.
This complaint is about Citi Group credit cards. Their customer service number is XXXX. I use their website to monitor and pay my charge amounts IN FULL ; almost immediately after charging and before the due date. I check their website to verify the total owed prior to paying it. In XXXX, I paid the full and complete amount which they had posted on their website for my account. However, the NEXT month they billed me {$2.00} finance charge. I dispute that I owe this finance charge. I tried to contact them via their website and got nowhere. I tried to call and waited in excess of 30 minutes on hold before I hung up in frustration. They do not communicate except to send a message via their website that the fee is correct.
Hello, I went to deposit USD from my coinbase account from coinbase.com, to my bank account as im low on money. They charged me instead of giving me the XXXX dollars, making me overfraft, and the money that was taken out is not showing up on the app now! Im super frustrated and out of options and I could really use some help. They took my money.
I received a phone call that was from this company telling me to call them. They used a type of technology to spoof a number so as to make the call appear to come from someone else. The caller ID said XXXX XXXX, The message told me to call a company named Dynamic Recovery Solutions. I do not return phone calls like this and all communication must be done in writing via USPS. Not making a written claim is a violation of the FDCPA.
I had been a customer with XXXX XXXX and purchased a phone with my planXX/XX/XXXX. I opened other lines in addition to the first line. After a couple months my phone screen went black and I was unable to use the phone. When I arrived at the store they dismissed my insurance and complaint of the phone. They then proceeded to sell me a XXXX  additional purchase for a new phone. I canceled my policy and changed carriers. XX/XX/XXXXI received a credit report and a collection of XXXX was owed to Pinnacle Credit Services. I have not received any information on this collection or any communication by phone, mail or email. I called the Credit Services on the number listed and inquired about this debt. The information was inconsistent after calling 4 separate times, with four seperate agents. I am calling to have this removed from my credit report with XXXX charges owed.
U.s. Bank charge me XXXX $ to check my balance on their atm. Bank agreed to reverse one of the charges after I complained although I asked that all be reversed as no prior notice of the charge was provided.
I applied for a {$1000.00} loan online with XXXX in 2011 and I paid back {$2500.00} and they still say I owe them and the debt was not paid in full. I filed a complaint against them with the XXXX about 3 years ago due to threatening phone calls from them at home and my work and I did n't hear from them again until over the last few weeks a company called NE Processing in XXXX XXXX NY has contacted me and told me I still owe over {$700.00}. I asked for validation of their company and they sent me a letter with the amount I owe on it. They told me if I ca n't prove I paid this loan in full, they are going to start legal proceedings, it 's been almost 5 years?? I know that XXXX XXXX XXXX scammed me because they tried to charge me XXXX % interest on the {$1000.00} which means I would have to pay back over {$3000.00} to have it paid in full.
Ive contacted equifax numerous times in regards to incorrect information on my credit report. I was told I could not re-dispute information that has been previously disputed. I have XXXX items on my report that were the cause of someone opening accounts under my name. I have reported this to the proper authorities and equifax will not accept I contacted law enforcement in regards to this. Equifax keeps updating my report with incorrect information which is affecting my credit score. I have sent letters/phone calls/copies of proof and am getting nowhere. I 've submitted a complaint on equifax already. I am fustrated at the the fact I supply proper proof and they still will not correct and remove this negative information. I also have XXXX credit cards that are held with commenity bank. I was told from equifax I need to contact commenity bank myself to clear the issue. I contacted commenity bank and received XXXX seperate letters for each of my accounts. ( XXXX XXXX ). I supplied the letters to equifax to show proof that they are requesting to update my report as these accounts were never paid late. Equifax still has not updated the information. XXXX account shows to go to a positive in 2022. This is beyond ridicilous. I am being penalized for incorrect information that is reflexing as negative when it should be reflexting positive. My next step is to hire an outside attorney to sue equifax for not correcting my report. This negative incorrect information is affecting my credit score. Especially when I paid all XXXX accounts on time and have proper proof from the bank stating so.