WillisBack/dataset-financial-user-claim huggingface dataset:
I called Capital One in XX/XX/XXXX and spoke with a representaive about removing an account from my credit report after I pay it off because I am in the process of buying a new home and this is the last thing holding me back for approval. She said that after it was confirmed paid to give it about 30 days and if it wasnt removed then Capital One would then file a dispute to have it removed. I hung up after remembering I did not get her name or i.d number so I immediately called back. When I called back I talked to representative XXXX and she said that information that was given to me was false and she couldnt help me. I called back on XX/XX/XXXX and I talked with supervisor XXXX and asked her to pull up the call so that she can hear the misleading information that was given to me by one of her workers. She said she did not need to pull it up and that she was sorry for that representative giving me the false info but she can not help me get it removed from my credit report.She said that was a mistake and there was nothing that she could do even if that was promised to me by her company.
Chase Bank promised that no further Charges would be made by XXXX after XX/XX/2019. Chase Bank reneged on the agreement to not allow any further Charges.
I recently reviewed my credit report any observed that JC Penny is reporting 3 late payments, XXXX, XXXX, and XXXX. I do not recall be late on any monthly required payment with my JC Penny credit card account. I respectfully request that JC Penny provide me physical proof that the late payments reflecting on my credit report is accurate.
I checked my credit score and found I have 4 separateaccounts in collections from commonwealth finance systems for a total of {$4400.00}. I have n't gotten anything in the mail regarding anything, and it 's killing my credit score. I 've tried to call but keep getting passed off and never gets resolved.
XXXX FAILED TO FURNISH US A LIEN RELEASE FOR SAID PROPERTY AND MUST NOW CEASE ALL CREDIT REPORTING AT ONCE.
I am a XXXX year old female who has been XXXX since XX/XX/2017. 

I have been unable to get the medical care needed because my phone and emails have been hacked and re routed to XXXX XXXX, a collections company that has nothing to do with health care. 

They access private medical records and apply fictitious charges to billing accounts to generate cash flow revenue for facilities and for their unjust enrichment. They work with Navient to collect student loan debt. I do not owe student loans anymore, they are attempting to collect on legally unenforceable debts. 

They are committing fraudulent, misleading acts that are UDAAPs in violation of the CFPA. 

They are under a legal obligation to comply with the FFELP and the FDCPA, and willfully choose to conduct deceptive acts to steal money without consumers knowledge ... i do not owe them anything, never signed a legally binding contract with them, and they are jeopardizing my health and well-being and finances. 

They are essentially commtting attempted murder in this instant case. 

They have no authority or right to impersonate a health care facility and interrupt my healthcare. 

I will be naming them in a lawsuit filed in the district court. I want them to remove my name from their records and leave my life and affairs alone. 

This is not legal. It is a severe infringement and they are criminals as well as civil violators.
XXXX credit services who is a XXXX party debt collector submitted an old account that was removed off my credit from XXXX due to it being past the staute of limitations in the state of Nevada. This was not on my credit until we we 're at the final steps of purchasing a home and they ran XXXX last credit report and this showed up. Obviously preventing my family from purchasing a home and has now left me in the position of having to possibly ask family members if we can stay with them, uprooting my XXXX children from their school XXXX of which has a XXXX. The fact the the credit bureaus did not further research what was placed on my credit which is illegal for a XXXX party purchaser to do has ruined my life. XXXX has refused to help me. They constantly transfer me to their other company XXXX who claims they do not need to provide me with information on this account, they hang up on me, they lie to me. I have never had any contact with this company up until XXXX when I called to figure what this was. That is when I learned by talking to an attorney, the courts and reading in detail about this for numerous hours that this is illegal. I can believe that the credit bureaus have the ability to ruin ones life with just one mistake such as this. I want this removed off my credit from all XXXX credit bureaus immediately. Please!
I have a total of 8 student loans on my credit report, only 2 have been  validated. On XX/XX/2018 I mailed a certified letter to XXXX College to seek validation of the debt they are claiming I owe and I never got a response.I attended XXXX XXXX College around the time XXXX College is stating I took out a loan. I allowed them 30 days from the date of the receipt to provide me an original copy with my signature on it. They have failed to comply and according to the Fair Debt Collection Practices Act I have the right to request validation of the debt XXXX College is saying I owe. Also I have another issue with XXXX XXXX College, I have been contacting them to provide me with original copy with my signature on it as well for the loan they are saying I owe. I am requesting proof that I am the party you are asking to pay this debt.
I called someone on  XXXX  and  XXXX  requesting the extended fraud alert he removed. This alert is preventing me from purchasing a car. I was told on  XXXX  that it would be  24 hours and t he alert would be removed. I called   XXXX   and the alert is still there
My company received a call from XXXX XXXX asking for me, I did a web search and they have had complaints from the FTC filed, and I do not believe they should contact my workplace.
please see case number for detail XXXX i am filing complain against CAPITAL ACCOUNTS behalf of my husband and daughter who are old, XXXX my daughter XXXX XXXX went for XXXX XXXX to see XXXX XXXX who gave estimate never finish or completed work, his claim was denied by all insurance company as well credit card company ( see all upload files ) then he turned to my husband kripa who has no knowledge of him he does not know this Dentist also she is not on our insurance and we don't have power of attorney, He just wants to harass and destroy our credit for invalid charges so he hired CAPITAL ACCOUNTS since life has been night mare they called day and night with different phone number even my cell phone always unknown so we are scare, we explained to them, sent certified letter ( see file ) and letter from ATTORNEY GENERAL office somehow they don't care they are trying to rob us or make money. 

Even XXXX XXXX  tried to mediate but they told them they have no intention to complete work except collect invalid charges nd they block and spam my email when i was trying to make appointment and Collection agency knows
The original principal was caused by a typo of my address when mailing the bill and not long after that, SouthwestCredit contacted me stating the principal belonged to them. The typo of address was made by XXXX XXXX XXXX. 

SouthwestCredit has never told me my right to dispute the collection for all the times they contacted me. 

SouthwestCredit did not either provide verification of debt at all. It should be mailed in within 5 days after the first attempt.
Beginning XXXX/XXXX/XXXX, and subsequently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I mailed notarized and certified handwritten letters to the 3 Credit Bureaus. Requesting verifiable proof of the following accounts on my credit reports. Acct # XXXX, reported by XXXX XXXX, unverified late payment. Another Acct # XXXX, reported by XXXX XXXX, unverified late payment, and Acct # XXXX, reported by XXXX, unverified late payment. For 3 months now I have been disputing these items. However, they have failed to provide me with ANY physical documentation or verifiable proof that I requested under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Nor the method of verification as required under Section 611 ( a ) ( 7 ). Otherwise, anyone could electronically respond with a fraudulent account resulting in an inaccurate credit reporting. 

Experian and XXXX continues to violate the Fair Credit Reporting Act, failing to provide the verifiable proof I am requesting. Instead, they ask that I submit another dispute only to stall and delay for another 30 days to only reply that the inaccurate information was verified. XXXX however, will not even respond. I called XXXX and they informed me that they were responding through email with the results of their investigation. The problem with this is that I 've never given them an email or corresponded with them through email. So who knows where they are sending my personal information. Even after bringing this to their attention and asking that they only contact me through mail, they continue to communicate through emails that I am not even aware of. I 'm requesting XXXX Experian, and XXXX to promptly remove the inaccurate and derogatory information on my credit report under Section 611 ( a ) ( 5 ) of the FCRA since after almost 90 days, they have been unable to provide me any verifiable proof. 

For example, on my credit report, XXXX shows that I am current on all payments and one month later I am 90 days late? Yet, the credit bureaus have done nothing to help resolve these issues. Instead, they have been using third party electronic systems to send an automatic response that things like this are verified. 

Due to their neglect and unwillingness to resolve this matter, I have suffered financially by not being able to obtain credit, and has caused strain on my relationship with financial institutions and mental anguish. I am requesting a settlement of {$1000.00} for each of the accounts that each Bureau has reported deliberately and incorrectly and that they immediately removing and correcting all items within my credit report that they have not veried through physical verification and method of verification in accordance to the FCRA.
In XX/XX/XXXX, I opened a Capital One secured credit card. In XX/XX/XXXX, i requested to close the account and use the secured portion to pay the balance of the card and close the account. In XX/XX/XXXX, i received a notification from the 3 credit bureaus that I subscribe to, that a 30 day delinquency had been placed on my credit report for this account. I contacted Capital one to discuss the issue to no avail. in the same month ( XXXX ) I immediately disputed the late which showed 30 days past due. The 30 day past due remained on the XXXX XXXX report but had been DELETED and did not appear on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX but on the XX/XX/XXXX report shows not only 30 days but 60 days late as well. This negative reporting has hurt my credit rating as well as, I've been denied credit based on this negative reporting. Again, the account had been previously removed from my credit file and re-inserted again as a delinquent account. PLEASE HELP. Also, i send a letter on XX/XX/XXXX to the credit bureaus asking them to delete the inaccurate information immediately.
I payed a guy off of XXXX for a fortnite accouunt and i sent the money and never recieved the XXXX dollars back even though i recived no product i payed through paypal to XXXX XXXX
" Office of Maury Cobb '' has called using several different phone numbers. The office is listed online as a scam debt collector that buys debt. The most recent number the robo call came from was XXXX. My phone caller ID has every number the office of Maury Cobb has called listed as a " Potential Spam ''.
We were in the process of purchasing a home in XXXX, CA. We submitted an offer on XX/XX/XXXX. The listing agent required buyers to obtain cross approval with their designated lender " XXXX XXXX at Eagle Home Loan. Which we did. There was apparently multiple offers on this property. After approximately a week with no response from the listing agent, our agent received a call from the listing agent 's designated lender XXXX XXXX who indicated that if we ( buyers ) would use his company to handle our mortgage financing the listing agent would choose our offer. We told the listing agent we had full approval at our current lender ( XXXX ), however we said OK we would use their lender. Sure enough, we received a response indicating an acceptance of our offer. 

When it came time to remove the loan contingencies, XXXX ( Eagle Home Loan ) still did not have loan approval. He assured us he would get our loan approved. So we removed the contingency which exposed our earnest money deposit. In the meantime he had us jump through a bunch of hoops that cost time and approximately $ XXXX. When it came time to close escrow, he still did not have loan approval. We ended up paying a {$100.00} per diem to the seller to extend the escrow closing date. Two days before were supposed to close escrow on the extended closing date, XXXX said he could not do our loan. At that time we switched back to ( XXXX ) our original mortgage company onXX/XX/XXXX. XXXX was able to get the loan approval and funded in 17 days. 

Our complaint boils down to two issues : 1. Eagle Home mortgage mislead us and it cost us needlessly {$2900.00} ( per diem ). 

2. When we advised XXXX XXXX at Eagle Home mortgage, that we switched lenders, he sent an email to the listing agent stating ( XXXX ) our lender could not approve our mortgage in an apparent attempt to sabotage our escrow. Which could have jeopardized the purchase of our home and cost us our earnest money deposit. 

We would like the lender ( Eagle Home Loan ) to refund the {$2900.00} Per diem we needlessly paid. And we think people should know about the dishonest practice of this lender. 

Post script : Our original lender was indeed able to complete our mortgage approval and we closed escrow.
At some point before XXXX/XXXX/2015 someone stole my credit card information and created a new duplicate card. While I was at work on XXXX someone went into a XXXX XXXX store and charged {$1000.00} onto my credit card. I found out while monitoring my checking account on XXXX and immediately called my bank. They had even shut off my card because the thieves tried to take even more money. I filed a claim. They bank told me they would refund the fraud charges in 7-10 business days. I filed a police report and received a new card. Despite multiple calls ( XXXX ) and assurances from US Bank that the funds would be credited to my account, it is now the 11th business day, and no refund. Also, they reported a balance to my credit bureau which I NEVER maintain. Upon contacting the Bank this morning they admitted my dispute was NEVER EVEN ASSIGNED to anyone for review despite repeatedly telling me it was under review and the refund was pending. Now when I call them again they 're telling me another ten days. They never even asked for the Police report or Fraud Case numbers which I have, yet they advertise that you 're not liable for fraudulent charges on their XXXX advertisements. On my phone call on XXXX/XXXX/2015 the Customer Service agent REPEATEDLY assured me that the funds were pending a refund and WOULD BE CREDITED TO MY ACCOUNT on XXXX/XXXX/2015.
I requested for a due date change on a car loan I secured from Exeter Finance Corporation immediately after I secured the loan ( XX/XX/2015 ) because I get paid at end of each month. I was told to do so after I make a complete payment. After I made a first complete payment, they told me I have to wait again till I get my account caught up because the second time, I had requested too close to my due date ( of XXXX of the month ). On XX/XX/XXXX I requested again immediately after I made my payment as was advised to do. They said they will contact me once it 's approved. No one called so I called again around XXXX XXXX. and they told me it was approved on XXXX XXXX. thus changing my due date to end of each month, and I should just wait till the responsible department updates the system. I waited, waited and now almost XX/XX/XXXX I keep getting more calls saying my payment is past due and I owe an extra $ XXXX/more in fees. 
This does not seem like missing to call me or coincidence. It seems like a well coordinated deceitful practice to fleece the customer. I 've been requesting for a due date change on a newly acquired loan for months and when they finally approved it on XXXX XXXX they still trying to come up with something else to steal from me. This is unacceptable and fraudulent. I have sent a letter through their website, called XXXX which is supposed to be their corporate headquarters but it 's never answered though I left a message.
SPS Loan Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX This short sale was started XXXX/XXXX/2016 with SPS. SPS has been repeatedly obstructive to the short sale process since the beginning. There have been other issues to which I should have filed a CFPB complaint in XXXX, but did not. However, their obstruction of this short sale has not ceased and I am compelled to file this complaint. 

SPS 's 'new issue ' with this short sale is claiming that they must have an authorization that matches the listing agreement, the addendum, and XXXX TD approval. Requiring an addendum that matches the listing agreement is not only NOT a valid requirement for a short sale, but this has ALREADY been sent to them. It was sent to them on XXXX. We have since confirmed FOUR TIMES with the negotiator that the authorization IS IN FACT in their system. 

SEVEN times we have confirmed with the negotiators at SPS that they have received the addendum. Then we follow-up three days later, and EACH OF THE SEVEN TIMES we are told that the underwriters are STILL missing the addendum. 

SPS claims they will move the XXXX XXXX approval requirement to a prior-to-close condition. I have no faith they will do this without further obstruction. 

SPS will continue to behave in an obstructive and fraudulent manner in this short sale process until someone makes them stop. 
To the CPFB I request that you PLEASE do something about this.
They sent me an email with promotion code of their prepaid gift card. When I used the code to make purchase and they declined my order for twice. I verified my information and they are correct. If they do n't want to sell me the gift card, why send me an ad email? I do n't know whether it is because I complained their service before due to their carelessness and unprofessional behavior. If your employee made a mistake to cause an inconvenience and loss of a customer, you should n't blame the customer complaint but should have tried to figure out how to improve your quality of service. I can not find any other company to provide prepaid cash card. If I can I would not choose Amex ever. I do n't know whether it is called monopoly. As there is only one company providing this service, they can do whatever they want to the customers and do n't care what they feel.
I am a XXXX and I was offered a XXXX XXXX that was a scam. I immediatey made a police report to my local police department so they could follow up and investigate on the case. I assumed this case my fraudulent before it occurred and made a report to Bank of America in case fraudulent activity occurs. I have evidence of everything and presented it to them. However, I still got held responsible for the {$5000.00} taken out of my Bank of America checking account.

I then proceeded to closed that account with BOA because they did not protect me and I did not want to do business with a company who does not protect me or the money in my bank accounts.

Due to this, they have now taken this issue to the debt collectors saying it is " account abuse '' on my end. After the fraud occurred and they didn't want to help me, I switched my banking to XXXX right after and went to XXXX City Hall of Justice where I was advised that I would need to sue Bank of America. A XXXXXXXX XXXX representative also stated because I had a police report they for sure should I tried to help retrieve that money back. 

Now I am in pursuit of getting this fraudulent debt off and taking legal action against Bank of America. 

I also have more documents related to this case I can fax to you if necessary.
Throughout my professional relationship with Wells Fargo, I have been completely taken advantage of and insulted every step of the way. XXXX years ago I was bullied and tricked into getting a credit card with Wells Fargo that was disguised as a rewards card. Throughout that time I had been accumulating late fees and interest that has now totaled close to XXXX dollars. I had been making small minimum payments to take care of the roughly XXXX dollars I had actually spent on the card, but it was accumulating too quickly to keep up. I was unaware from the beginning that interest would be involved in my account, as the salesman used aggressive and unheard of sales tactics that proceeded further after I originally said no. I also had a debit card with Wells Fargo that I cancelled due to terrible customer service on multiple accounts of fraudulent activity on my account that were improperly dealt with. Wells Fargo has tried to contact me to resolve the debt on the " rewards card '' and offered me a settlement of XXXX dollars. When I refused with the wish to not pay any late fees or interest fees, they escalated me to a corporate resolution " expert '' who took XXXX days to offer me a settlement of XXXX which is HIGHER than I was originally offered. They audited my account and reported to me that they had found inappropriate communication with me and XXXX of their sales team and " apologized '' for it before insulting me with their resolution offer. I have been continuously disappointed with their services and tactics and wish to join XXXX of the many lawsuits against this horrendous excuse for a company. XXXX XXXX " resolution expert '' is the guy I spoke too who told me that I am not eligible for the audit regarding fake accounts. I am interested in learning more information about where I can go with this. I have sent him an email requesting all alleged signed documents where I spent money on the card as well as a copy of the original agreement. Please let me know how I may proceed. 

Thank you XXXX
My account w/ XXXX is being reported as a 90 day delinquency. I have made contact w/ Equifax and provided proof from XXXX indicating that I WAS NOT in delinquent BUT in forbearance. <P/>Payment history is 30 % of my credit score and its accuracy is most important. <P/>update the report and remove this 90 Day delinquency for XX/XX/2015.
They sold my account in I cold not may small payment they want me to pay in full in I do n't have the money.
XX/XX/XXXX, acquired an auto financed by XXXX XXXX, on XX/XX/XXXX, I personally delivered paid in full check for the auto loan account to the bank. Since that day XXXX XXXX, XX/XX/XXXX, and Experian continue reporting the account as open and with balance. After multiples call to the bank and opening tickets for investigation credit agencies continue reporting wrong information. Disputed twice the account in the subject on all three agencies and they keep saying and reporting the account is correct even when I had sent them and they had confirmed the reception of the paid off certification from the bank. Both the bank and Credit Report Agencies are violating the Fair Credit Reporting Act. I Cant keep calling and disputing the account when they are ignoring supported document of the paid account.