WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One Auto Finance reports that they were included in my bankruptcy. More importantly, they state in the Comments section of my XXXX report : BANKRUPTCY CHAPTER XXXX, BANKRUPTCY DISCHARGED. This suggests that I discharged my debt to them in my bankruptcy, which I did not. My account was always in good standing and on time throughout my loan. I tried calling about this today and the Capital One automated system said they could not help me, then disconnected. 

I had to include my Capital One auto loan account in my bankruptcy as a matter of procedure. In reality, I filed a DEBTOR 'S STATEMENT OF INTENTION on XX/XX/XXXX as part of my bankruptcy, meaning I was keeping and purchasing my car and continuing to pay Capital One. I did indeed pay off my loan early to Capital One on XX/XX/XXXX. Secondary confirmation of payoff : Capital One misquoted my payoff amount and had to send me a follow-up letter and refund check on XX/XX/XXXX. 

Why is Capital One allowed to suggest that I was a bad account with this reporting and language, when I was always a good account, and since they were not adversely affected by my bankruptcy? Capital One should not be allowed to place a derogatory report on my credit report when they had ZERO loss. Punishing good accounts seems a very bad business practice for Capital One.
I opened an account with M & T bank on the XXXX of XXXX. I was told my account would be new but if I were told that it would take six days to deposit a check for 30 days I would have walked out. 

Whenever I called the bank I'd get conflicting information. I deposited another check last Thursday ( XXXX of XXXX ) from my employer and I have to wait till Saturday ( XXXX of XXXX ) to access my money. I spoke with the branch manager and told them I'd be closing my account and asked for a wavier of the {$50.00} closing fee and she said come in Monday. 

This bank has been holding my money hostage with these holds and I find it extremely inappropriate that I must wait till Saturday to get my money in to close my account with this Bank that has caused me so many delays in my life. Like I said if I was told moments like this will occur for 30 days I would have walked out of the bank and not opened an account there.
On XX/XX/2016 I got approved for a sporting goods store 's credit card under the Bureau name : SYNCB/XXXX XXXX XXXX. They have put my credit for collection of {$710.00} of which their representative once called and made me pay almost half of that amount to settle the entire account. I specifically asked them if my account will be completely settled after that and they said yes it will be taken off your credit report. I paid them the amount and the collection charge off was never taken off my credit report and is hurting my credit score to this day. I am a student and I am really trying to build my credit back up. If this debt gets resolved I can move on and work on building my credit.

Thank you
Checked My credit report noticed the following accounts are still open, these accounts have been paid off and should be closed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requesting verification to these accounts
Opened CitiGold account in XXXX 2015 for XXXX TYP promo. Met requirements within the allotted time period ( 2 bill pays within 60 days ). Verified multiple times over the course of a few months that the requirements were met and the points would post. Waited for the points to post and they never did. I have screen shot records of the promotion and the verification that I would receive the points. I have been bait and switched by an offer which has not been fulfilled. CitiGold is defrauding customers by offering promotions and not honoring them. I should be entitled to XXXX points worth {$500.00}.
Threatened to reposes a vehicle I traded in on XX/XX/XXXX at dealership if I did not make last payment. Asked for {$280.00} and my payment is actually {$340.00}. became verbally abusive to my mother and falsely represented himself calling my place of business.
For recent months I 've rec 'd bills from XXXX that include {$75.00} late fees. This month XXXX rec 'd my bill on XXXX XXXX ( though the statement date is XXXX XXXX ) and it 's due XXXX XXXX & they say it can take 7 days to process payments once it 's rec 'd at their processing center. I 've called about this before and they say that I should access my bill online and pay online to avoid late fees but I wonder if they should n't give sufficient time to allow consumers to pay by check after receiving the hard-copy of the bill? And, if they choose not to that, should n't the late fees be reasonable? {$75.00} late fee on a single {$34.00} gas purchase is robbery. And, If they continue this practice, should n't the disclosure literature include a statement that there is no way a mailed payment will make it on time if they are allowed to take so long to process it once they get it and that they will not send the bills in a more timely manner and that the fee is now {$75.00} not the original ( also high ) {$35.00} that is was when I signed up for the card?
After reviewing my credit report I noticed two inaccurate inquiries on there being reported by this company & the credit bureaus in which I have disputed them and put a fraud alert on my account as well with this XXXX XXXX company and all 3 credit bureaus is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the company never responded by mail. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on all three of my credit reports. Regarding the following inquiries < XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX >  I have disputed these TWO unauthorized inquires for several months with no help from the company or credit bureaus. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent by mail to XXXX XXXX XXXX XXXX. I have spent the last two days over the phone disputing and arguing with representatives at XXXX XXXX XXXX XXXX (which is a third party for another company) that keeps telling me that they will not investigate these two inaccurate inquiries that their company requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or a Veterans home loan place. It is NOT my job to track all of these companies down. I put a fraud alert on my accounts for these are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. I am demanding that both of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that XXXX XXXX XXXX do their job and abide by the laws!! This company requested my information without my consent and they need to delete it!
I have disputed credit reporting agencies about unknown address of XXXX XXXX XXXX, XXXX, XXXX Plus also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address. Also I retired on XXXX XXXX XXXX on XXXX XXXX2014 from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, California.XXXX.XXXX
I am an ongoing victim of I 'd theft and many different home addresses have been used to apply for credit and utilities. This outfit refuses to send proof of the debt along with the original file and my signature. If it is valid I would have no issue paying it.
I bought this XXXX XXXX truck back in 2015 from XXXX XXXX XXXX in XXXX NY. They included mechanical coverage upto XXXX miles without my knowledge and have not mentioned in the discussion we had worth {$3800.00} which is Insane. I got to know when i was looking at my amount paid and balance and then i called them to check and they said we do it daily. Means its with every car they sell but was never discussed with me.
XX/XX/XXXX I received a letter from Resurgent Capital Services attempting to collect a debt on the original creditor XXXX XXXX XXXX in the amount of {$3100.00}. The original debt in the amount of {$620.00} was discharged XX/XX/XXXX. This debt is well past the statute of limitations.
Citibank regularly locks me out of my online account and will not unlock it. I requested a new PIN number, which I never received, and now am once again locked out of my account. I can not see my balance, nothing ... can not even log in. 

I am fed up with this and now want to close the account.
I have a a unverified account XXXX. I had previously disputed this account with BAY AREA CREDIT SERVICE. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX purport I owe.This is a old account from XXXX XXXX XXXX ( bal. {$250.00} ) that has been sold at least four times to various Third Party collections agencies and the previous agencies could not validate the account and it was deleted form my XXXX credit report. 
I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Equifax is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only one account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just one and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why Equifax continues to report it twice and with a balance.
This company XXXX has been trying to collect XXXX for a phone bill that I had in XXXXthat I do n't owe. I have been trying to dispute for years and its being reported on my credit report I would like to be able to have this removed and I have information stating I do n't have a balance.
I tried very diligently to settle and or honor the debt but they refuse the amount. I'M { XXXX } years of age, I'm on a fixed monthly income, I relinquished an of {$25.00} which is the limited amount my finances will allow me.
XXXX, Experian and XXXX XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I woke up to go to the dentist and hit the XXXX app to take me there ( I do XXXX XXXX ). XXXX would not authorize saying my account for payment was not authenticating. So I called Citibank phone number on my debit card. They told me the bank froze my account. I asked why. They said they could not tell me why. I asked when, they said they could not tell me when. I asked when I could get my money ( I had XXXX accounts ) out of the accounts. They said they would mail me a check after they closed my account. I asked why my accounts were being closed, they said they did not know why. I asked when it happened they could not tell me. I asked them who asked to close the accounts, they could not see. I asked if it was a mistake, they said no. I asked when the check would be mailed, they said after the accounts were closed. Asked if the accounts were closed now, they said no. I asked when they would be closed, they could not tell me. So I got a ride from a friend to go to the local branch. The branch XXXX worked on it for XXXX hours trying to figure out why XXXX was closing my accounts. All they would tell him was " compliance '' He said it made no sense because he could see on his screen when people go to even review my accounts and no one had even been in there to review my accounts, much less be able to determine if there was a compliance issue. He finally got permission to let me withdraw the money out of the accounts that was due to me. It was approximately {$600.00}. He said I would get a letter with a phone number and to bring it into the branch and we could call and get this straightened out. I never got the letter. Instead, I got a demand for a minimal charge stating my account was closed because it was overdrawn. What a joke! It was not overdrawn. It was frozen. I do not owe them any money for freezing my account and forcing it closed due to compliance. I got no notice about the closing of my accounts. I am sure they have reported this falsely to the credit reporting bureaus. I think they were embezzling money from my account from the inside and they were getting calls from a XXXX citizen extremists helping them along the way. Then they decided to cover their tracks because they thought I was getting to close to piecing it all together so they had to freeze me out of online access. Then they created the bogus demand on overdraft. I have the evidence to prove that letter is not true. Since the letter was drawn by an employee inside XXXX, someone inside XXXX is working with XXXX XXXX extremists. That is domestic terrorism. It surely caused me a lot of harm.
I took out an auto loan with USAA on XX/XX/XXXX, XXXX at some point in XXXX i fell behind on 2 payments due to a financial hardship. I lost my job. The account almost went into collections and we we came to an agreement that once I made my payment for a chargeoff on XX/XX/XXXX they would remove this remark from my credit report. 

They still haven't removed it yet. I have been trying to rebuild my credit ever since XXXX and every single time I apply for anything ( even simple store cards to build my credit ) I'm always getting denied. 

I have learned a lot about credit over the years and I'm just looking for a fresh start. I've been trying to build credit since I was XXXX. I'm now XXXX. This is the only loan I've ever taken in my life and I've never had a credit card before. I do not feel that this one mistake in the past should reflect my credit score as a whole. I'm starting a family and having this resolved would greatly help my situation.
I am attaching a letter from XXXX XXXX XXXX ( XXXX ). The same information was sent to Transunion, XXXX and XXXX in XX/XX/XXXX and XX/XX/XXXX by XXXX advising each to delete an open record they were reporting against me for XXXX. I also wrote each bureau in XXXX XXXX XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting that they follow through with XXXX 's request and delete the record. None either replied or deleted the record. This libel is affecting my credit score and contributed to a higher rate of interest on a loan I recently received. I am applying for another loan so this record is affecting it too. It is my opinion that the credit bureau 's are scams set up to discredit select classes of individuals. Further, these bureaus assert that it can take months to correct their records. This is unjustified, and I do not have months to finalize my current loan application. In this age of technology all such delay is utter nonsense and unacceptable especially given that loan considerations are impacted immediately.
As per my complaint, I have reasons to believe that there has been a gross misappropriation of funds that corresponds to my mortgage with Seterus Incorporate,  the loan servicer of my loan. It has come to my attention that a certain portion on my monthly payment can not be accounted for and no explanation of its escrow pay out can not be provided. 
My monthly payment of {$1300.00} has roughly been the same give and take a few dollars depending on escrow analysis, taking into account fluctuations in insurance, taxes, and PMI payments. My principal payment is {$190.00} and interest payment os {$620.00} Currently my taxes through XXXX XXXX  is {$1300.00} per year, taxes {$1000.00} per year, and PMI {$47.00} per month. My total monthly payment should be {$1000.00}. This has been going on for quite a few years and I am yet to receive an explanation or a statement which shows where my escrow payment have been going. I have reached out to Seterus and I have just been transferred from department to department, and as with every department, no one can account for this discrepancy. All these figures can be furnished at your request. I simply have not been able to get anywhere with this company. Thank you.
because of the mismanagement of funds by XXXX XXXX XXXX XXXX we were required to file bankruptcy ( chap XXXX ) in XXXX to save our home.on XXXX/XXXX/XXXX the bankruptcy was finished and cleared. during the bankruptcy our mortgage was transferred to shellpoint mortgage servicing co. immediately after the bankruptcy was finished ( XXXX/XXXX/XXXX ) shellpoint served us with a " notice of default and intent to accelerate '' in an attempt to collect {$19000.00} which they said was was still owed. we hired an attorney XXXX XXXX XXXX, and after almost a year shellpoint admitted that we were actually current and did not owe these sums. in the meantime they have reported us 3 months late on payments causing our credit to plummet a XXXX points.further they were paying our property taxes even though they were collecting escrow for them. in an attempt to get away from them we tried to refi our mortgage with XXXX XXXX XXXX but because of the poor credit score the rate was no different than with them so this is costing us approximately {$800.00} a month in extra money.
Dear Bayview I appreciate you assisting me with tax accessor office. Unfortunately the tax information is not corrected in tax accessor records therefore updating mailing address is impossible. 

It appears to be an attempt to steal my home. There is no record in XXXX XXXX XXXX ( called today ) file that anyone filed a claim or followed procedure regarding my Condominium Rider. 

I was in bankruptcy in 2009 when my address was added to a lawsuit I was not a party of. The court corrected/void documents which no longer affect title. 

As soon as another agency/third party completes investigation and confirm my ownership a new story or letters do starts all over again.
My husband and I each had credit cards with XXXX XXXX through Synchrony Financial. We opened the accounts in XXXX XXXX and spent {$1400.00} on one and {$1000.00} on the other. We made rehular payments on time and in XXXX of XXXX paid them both off to a {$0.00} balance but kept them open for a number of reasons. In XXXX XXXX, we each got a letter stating they were closing our accounts due to bad credit!!!
My wife ordered a beauty product called XXXX online and only ordered the product once. However this fraudulent company started sending more products without her permission and charging the account. We kept going to Regions bank disputing it. But they kept jacking us around saying they would resolve it. Never happened! So we paid the negative and closed the account. Even after the account was closed Regions bank continued to allow this fraudulent company to send charges to an account we closed. Then Regions bank keep sending us notices that we are in negative overdraft charges. Regions is doing this so that the account will go to collections and affect our credit and then it will force us to pay money we do n't owe. In 2015, Regions Bank had to pay consumers back XXXX XXXX dollars in fraudlent overdraft fees for ripping off its own customers. They will never allow any of your accounts to close even after you take out a your money and close the account it 's really not closed. I took my money today different bank but Regions bank is still keeping an old account open with no money in it and keep allowing XXXX to charge it.
COMPANIES Violated the law by allowing the two items below to be re-added to my credit report after they were removed without Sending me proper notification Item 1 : Judgement amount : {$2500.00}. This item was removed from my credit as a Judgment on XX/XX/XXXX after I challenged the item vigorously. It was then added back to my account on XX/XX/XXXX as a collection account owned by XXXX XXXX XXXX. This violates the law as stated below Item 2 : Collection account : XXXX XXXX {$50.00} This item was removed from my credit report after a vigorous fight on XX/XX/XXXX It was then re-added to my credit report on XX/XX/XXXX as XXXX XXXX In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA,
I have been searching for a physician loan, and talking with a number of lenders.   XXXX   drew us in with a preapproval, but when it came to giving us a loan estimate, they refused to give it in the proper form, and quoted us rates that were significantly higher than the market, with fee estimates greater than {$10000.00} above what anyone else was quoting. It was obvious they were attempting to gouge us.
accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XX/XX/XXXX, XX/XX/XXXX, XX/XX/2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX XXXX XXXX, reporting false information on amounts, dates, and stauts of acccount. 
XXXX and XXXX account experian, XXXX and XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.
On XX/XX/XXXX, around XXXX, my husband and I were traveling on XXXX XXXX XXXX in XXXX , when I stopped to turn left. Moments later, we were rear ended by a huge RV whose driver was on his cell phone as noted in the police report. In just a few weeks, bills from the hospital were placed on my credit report. However, due to problems with the at-fault drivers insurance, we had hired an attorney. I contacted my attorney immediately, and he apprised the hospital and other parties involved that this was an illegal report ; the bills were removed. About a year later now, around the second week in XXXX XXXX, I noticed bills from the rear-end wreck on XXXX, XXXX, XXXX, had been placed back on my credit report. AMERICOLLECT INC is the reporting agency for the XXXX XXXX in XXXX where we were taken by ambulance after being rear ended. The XXXX XXXX   is part of the XXXX XXXX XXXX XXXX in XXXX, XXXX . The amounts reported are all from XXXX XXXX XXXX ; the amounts are {$180.00}, {$210.00}, and {$150.00} and reported by AMERICOLLECT INC. My attorney has already informed these hospitals that this is an illegal report ; and, that my husband is still receiving treatment from his injuries. My husband just had XXXX and is still under a doctors care. Regardless, these medical bills were put back on my credit report just recently from the XX/XX/XXXX, wreck even with the hospitals knowing about the litigation and even after receiving information from my attorney that placing these medical debts on my credit report was illegal. The hospitals will give no response, and even put debts that I am not responsible for on my credit report despite my attorney apprising them of the situation.