WillisBack/dataset-financial-user-claim huggingface dataset:
I had called the CapitalOne customer service department multiple time ( s ) during XX/XX/2017 where I had made payment arrangements to include an agreed upon payment so that no adverse mark would have been reported. More specifically, I had inquired multiple times that this agreement would not have the consequence to impact my credit score poorly. I was assured that this agreement would not adversely impact me with all respective credit reporting. However, I continue to receive these dates reflect 30 days late for XXXX and XX/XX/2017. 

I tried writing letters, calling them, and disputing through the credit bureaus without resolve. 

Please help as I have attached my letter that I have sent them!
XXXX reported debts on my account a few years ago. I requested validation because I knew nothing about this - XXXX failed to validate with me after I sent them a registered letter. I sent this information to all three credit bureaus ( XXXX, XXXX, experian ) - the credit agencies removed the XXXX listings. Fast forward four or so years. THE SAME listings pop up once again. once again I sent a request to XXXX about these, what are they please validate. They again fail to do so. I sent this information over the the three credit agencies. XXXX deletes the listings. experian deletes all but one of the XXXX listings. XXXX deletes NONE of the listings. This is the second time they have done this, is n't it illegal to do this again after they failed to provide validation the first time? I have the receipts from the original letter to XXXX that they received. I send copies to the credit reporting agencies of both the letter I sent to XXXX, the tracking number and the actual USPS form showing it was received and it had been over 30 days since they received it.
There was an old account appearing on my credit file with XXXX from XX/XX/2013 and now this account appears as a new account with some company named XXXX showing opened this year just a few months ago. It's re-aging an item that is hitting my scores hard.
I have called Neltnet multiple times asking about the amount owed, when my due dates are and the information I received has never matched my statement. I have asked to speak with supervisor 's and they tell me different information that still does not match with what my statement is saying. This is completely unacceptable.
I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I attended the XXXX XXXX XXXX XXXX in XXXX. I was lied to about what my income would be like and also I had no idea what I was signing when I took out my private loans from XXXX XXXX now Navient. I'm trying to get my private load payment to be reduced to an amount I can actually afford. I'm a XXXX XXXX XXXX single mom that has to live with her parents because I can't afford to be on my own due to these loans. My interest rate is a non fix rate which I didn't know that until recently. I was XXXX XXXX XXXX and the financial aid counselor at the school did not explain this to me. My payments fluctuate every month it's never just a set amount which makes it hard to budget. They are unwilling to work with me and accept the amount that I can actually afford.
It shows that my Chase Card account is open and derogatory, but this is incorrect. This account was included in my bankruptcy and should be closed. 
Thanks, XXXX XXXX
There is an account listed which I have disputed with no response back and it is not mine. Please help
I have received 2 letters stating that  Citibank  has enrolled me in an optional debt protection program and was charged a monthly fee. As far as I know this This had been a few years ago. I do not carry a  Citibank  card at this time.
Wells Fargo sent me a letter telling me I was " ..among a select group of valued customers receiving an automatic upgrade to the Wells Fargo Signature Card. '' It went on to explain that this " upgrade '' would happen without any input from me, and listed " benefits '' none of which were actually of any benefit whatsoever to me. In fact, there were changes in the fine print to the minimum payment calculation that would be detrimental to me under certain circumstances. I am complaining because 1 ) the claim that this is an " upgrade '' is totally fraudulent ; 2 ) the change was made unilaterally- rather than asking me if I would be interested in the change, I was informed the change would be made automatically unless I made a phone call, costing me valuable time for no good reason.
The agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. The agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, XX/XX/2018, created Summary judgment, dated XX/XX/2018, and created Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
I am disputing this debt collection from   XXXX   XXXX     Secured Credit Card for the following reasons : I was finding it difficult to meet  my financial obligations after I lost my job. I owed  XXXX   XXXX   XXXX  dollars, on a secured credit card when the account went into collection. At that point I could barely cover my rent and food. I notified them, but they kept adding on charges. I will repay the {$92.00}, butI asked them to forgive the interest. I now have another  XXXX   XXXX  card, Im paying my credit on time and I am trying to pay my debts and rebuild my credit. They are asking for  XXXX  from the  XXXX  that I originally owed. I received a letter in  XXXX  that offered 40 % off, which would be  XXXX , I would like to settle for this amount only now they are refusing. I am not making a lot of money now as a social worker, I am just trying to clear my credit.
The call is recorded and gives account #. I've returned the call and it is for someone unknown. 

I've requested my number to be removed and they continue to call every other day.
Unauthorized XXXX credit inquiry unauthorized on credit reports XXXX refuses to remove them told me to contact them myself. 
I contacted them and they are not removed from XXXX credit report. 

My information was compromised from XXXX data hack. Someone was using my identity.
First, Equifax has data breach. I have some open account and am somewhat worried about identity theft. News was released that some equifax managers committed insider trading meaning they sold stock before the information about the data breach was made public. I then understand the company is run by greedy XXXX who do n't invest in good security and am glad data breach happened just not glad my info could have been stolen. I used equifaxes website to see if I was affected and got back a maybe so I planned to sign up to use their free 6 month credit check however these XXXX will waive your right to be apart of a class action law suit against them if you do use their service. I plan on using free services to avoid identity theft and will enjoy seeing how much this company will XXXX in the coming months.
XX/XX/XXXX interest rate = XXXX XX/XX/XXXX interest rate = XXXX, constant for 5 years ... and then ....

XX/XX/XXXX interest rate = XXXXXX/XX/XXXX interest rate = XXXX XX/XX/XXXX interest rate = XXXX XX/XX/XXXX interest rate = XXXXXX/XX/XXXX interest rate = XXXX   XX/XX/XXXX interest rate - XXXX For 5 years I had a rate of XXXX. Starting in XX/XX/XXXX XXXX XXXX started increasing my rate at 0.25 % per increase, with 6 increases in 18 months! I called and complained. They said that there was nothing that they could do. This is greedy and immoral.

3 increases in 5 months!

I have had no late or missed payments!
In XX/XX/2010, I filed for bankruptcy because I was overwhelm dealing with Identity Theft with accounts that wasn't mine. Although I was dealing Identity Theft, my other creditors did penalize me for issues beyond my control. The identity Theft led to years of having to prove the accounts weren't mine and existing accounts with purchases not mine. After 24 months, I began to receive pre-approved credit in which I took advantage of. Unfortunately, there was so much breach from companies that had my information. It was necessary to use credit monitoring services but my information was still being used. Since there were still credit accounts opened in my name, I had all credit bureaus to freeze my credit report. The creditors with fraudulent accounts were not following instruction to contact me first before opening new accounts.

In XX/XX/2012, I received a XXXX XXXX XXXX credit card I applied for with a good credit limit in which the XX/XX/2010 bankruptcy appeared on my credit report. There is credit accounts disputed but reflected on the account. My credit report reflects great payment and credit history. Since all the credit history is same as when XXXX XXXX XXXX   credit ( Synchrony Bank ) approved the account, I requested a credit limit increase and it was denied. The reason for the denial is bankruptcy and past due accounts I've working very hard to remove from my credit report. I guess I do not understand how the same credit score and credit used to approved the account now be used for denials.
Hammerman & Hultgren had a hard hit on my credit report when in fact this account is a corporate account. I was simply signing a contract on behalf of my job duty as XXXX XXXX. I have absolutely no personal obligation for this debt and this attorney never had the right to obtain my ss # for this matter, period, and to run my credit without my permission! This attorney and the collections done on my personal credit report have impacted my ability to obtain new financing. I believe this is their way of trying to get me to pay and a threat that if I dont pay that it will remain on my credit report!
Equitable Acceptance, XXXX XXXX XXXX, MN XXXX XXXX Toll Free XXXX I contacted this agency regarding assistance with repaying my outstanding Student Loans. I was informed that they would assist me in developing a repayment plan. I was emailed the documents to sign and return. Then they requested my Tax Returns for the past 2 yrs. be faxed to their office. I completed the process and then was informed that my payment was $ XXXX/mo. that would be deducted from my bank account at XXXX. I then received a statement stating that I owed {$1200.00} which is not my Student Loan Balance Owed. I contacted this company to cancel this transaction and was told that none of the monthly payments were going toward my Student Loans and that they had purchased my Student Loans from the original lender. I then contacted the original lender and was informed that they still are holding my Student Loans and they were never sold to this company. Equitable Acceptance is a loan company that is misrepresenting their products to students and getting them to take out loans thru their finance company. I did not request a loan with this company and was given false information regarding their service to people with outstanding Student Loan Debts. I want them to refund my money back and to be shut down from soliciting business on the radio to people with Student Loan Debts seeking assistance with a repayment plan to resolve their Student Loan Debts. I have been tricked into taking out a loan with a finance company that is not providing any assistance to me with repaying my Student Loan Debt. I want this loan cancelled and a full refund of my money. This was a horrible thing to do pretending to be a servicing agency to help people with outstanding Student Loan Debts. Thank you in advance for your time and assistance with this critical matter. Account Number # XXXX
I HAVE AN ENFORCEMENT CASE AGAINST WELLS FARGO. THEY REFUSE TO PROVIDE MY ASSIGNMENT OF MORTGAGE AND NOTE. THEY REFUSE TO PROVIDE MY POOLING AND SERVICING AGREEMENT CLAIMING PRIVACY. MY MORTGAGE WAS POOLED AND SOLD INTO A TRUST. THE TRUST IS OF PUBLIC RECORD. CLEARLY THEY HAVE NO RIGHT TO THE MONEY I AM PAYING THEM EVERY MONTH. TO THIS DAY THEY REFUSE TO PROVIDE THE DOCUMENTS. BECAUSE MY MORTGAGE RESIDES IN A TRUST THE INFORMATION IS OF PUBLIC RECORD AND NOT PRIVATE AND PROPRIETARY AS THEY CLAIM. IT IS ALSO SUBJECT TO THE SEC PROCESS OF FILING REPORTING AND MAINTAINING SUCH DOCUMENTS. THEY HAVE A VERY SERIOUS ISSUE. SEE ATTACHED DOCUMENTS.
I have made a massive effort to pay off my debt to Citi. Over the past 17 months I have made over {$6000.00} in payments above the minimum due. Despite contacting Citi several times, they continue to apply the payments that exceed the minimum payment toward the lowest interest rates first. They have paid off my deal at 0 % and after paying an additional {$1000.00} over the minimum last month, they once again applied a considerable amount to the lowest XXXX 2.9 % ) and less than half to the highest XXXX 19.99 % ). This has been continuing for more than a year. This is a clear violation of their Card Agreement and the Credit CARD Act. Also, In the past two months XXXX of my " deals '' have actually increased in amount owed.
XXXX XXXX, XXXX I bought a XXXX XXXX. First payment due XXXX/XXXX/XXXX. ( 72 month loan ). The sticker cost of the vehicle was {$31000.00} on my paperwork from XXXX states " Cash price {$32000.00} '' plus it was an " end of the year sale '', which should have lowered the sticker price. I traded in a XXXX XXXX that I had paid for in full with this same dealership. They only gave me {$7200.00} for my car which I was not satisfied with! XXXX kept me there for over 3 hours and past their closing time ... in the end I do recall wanting the XXXX XXXX {$800.00}. but do not recall the extended service for {$2500.00}, although I did sign the paperwork, but exhaustion had set in by then. This is an interest free loan. The amount financed was {$29000.00}. including a {$7200.00} deposit from my trade in. I need to sell the vehicle now ( most months I paid extra on the payments as I could afford to ) I still owe {$22000.00} I went to the dealership and asked what my options were for getting rid of the car and their Trade In/ Retail Breakdown only allows {$14000.00} - {$17000.00}. I 'm a single mom & a XXXX. I 'm starting a business and need to curb my debt. I 'm very frustrated and feel that I have been taken advantage of!
XXXX  XXXX XXXX report my name to XXXX XXXX and XXXX XXXX XXXX they said i'm owe them {$870.00} for check deposit no money in the bank i did fixed after get the account closed out now they report my name to the two agency now I'm unable to opening any checking account Contributor : BANK OF AMERICA Contribution Ref # : XXXX XXXX Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX SSN/Tax ID # : XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : VA Incident Date : XX/XX/2016 Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner
I received recently my credit report and I am still seeing accounts in my report which should be deleted. Those accounts were authorized users accounts and I am no longer an authorized user of any of them. The following accounts should be deleted immediately : 1st account : Creditor Name : XXXX XXXX Account Number : XXXX 2nd Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 3rd Account : Creditor Name : XXXX XXXX Account Number : XXXX 4th Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 5th Account : Creditor Name : XXXX XXXX Account Number : XXXX
I review my XXXX XXXX XXXX XXXX on XXXX XXXX there is a {$180.00} collection that was placed by XXXX XXXX XXXX collection. 
I don't owe this money as I filed Bankruptcy XXXX XXXX in XXXXand all my debt was discharged by Federal Judge on XX/XX/2017. 
XXXX XXXX XXXX XXXX are sharing my information to other debtors and companies. 

XXXX XXXX never sent me a debt verification. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX
I had to explain the problem in an attachment as there are not enough characters to properly present my situation and how it came to be. Please read as I need help now!
I contacted Experian about several accounts on my credit report that is still open and active, although the two other Credit Bureaus have closed them. I submitted documents of receipts and the closure letter for XXXX XXXX and received a letter that this would remain on my report until XX/XX/2023. I immediately contacted Experian and was told by two Agents and a Supervisor who continued to give false information. I was told that the Company never confirmed with them that they needed to close my account. I contacted the Creditor and was told that Experian was contacted the same time as the other ones and that's why the accounts are closed. I was also told that we can do a three way conference and they would relay this information to Experian. Experian wouldn't do a conference call, but stated as an 'One time exception ' they would contact the company. I waited for over thirty minutes, while the Experian Supervisor kept me on hold only for her to come back and say that they confirmed that they closed my account due to debt being paid. The Supervisor stated that the system wouldn't allow her to close the account and I would have to wait until she could. XXXX XXXX stated they were on the line with Experian for about five minutes or less with the Supervisor who stated that they would remove it. Experian seemed more interested in keeping my Credit Score low instead of updating and removing several accounts that have already been closed bt XXXX   and XXXX. This is the main reason why others and my Scores are stagnant, because they fail to do an accurate update. All conversations have been recorded that shows that Experian do not want to update my account with the correct information. Credit is important so stop being a hindrance for me.
I received a call today from XXXX. The gentlemen I spoketo stated they wanted to do a settlement over the phone I said no I need it in writing. He took this as a refusal and stated that they will be filing a suit and the IRS will XXXX me. I also told him the attempt to collect a debt is past the statute of limitations he did not seem to care and continued to harass me about the settlement of the debt. I was then told that something on paper could be mailed to me once the settlement had been approved and agreed to. I was also told nothing else could be mailed out because letters were already sent to my address. Which were not.. After getting off the phone I received XXXX more calls and a voicemail from the same company mind you I had returned the first phone call. As I called a second time to let them know this was already discussed a women told me I blantently lied stating she shows I talked to someone on XXXX XXXX and its not possible I talked to someone today as that person was out because of the birth of a child. Of course I was angry. Upon looking these folks up I have come to the decision practices like this need to be stopped and the FDCPA enforced. I will take further action against said company as well.
I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
Inquiries are study being pulled on my credit report unauthorized, affecting my credit score. Im only being made aware of this because in have a monitoring service. 
Credit check total sends me alerts when someone pulls my credit. On XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX/XXXX/XXXX XXXX Payments XXXX/XXXX/XXXX XXXX who are these people.All these inquiries just constantly every other day. I have a Fraud Alert on my credit file!!!!!! 
And I just submitted a complaint about inquiries last weekend!!!!!
I 'm a non account holder at Chase Bank and went to the  XXXX , NJ Chase Bank  location  to make a {$250.00} cash deposit to an account holder that lives in NY and was refused ... I was told I had to deposit a check or money order and when I asked why I can not get a straight answer why other than policy. Since when is CASH not good when making a deposit?? In the deposit account agreement that I pulled up online it does n't say anything in reference to cash deposits from a non account holder ...
Franklin collection sent me a settlement offer. I asked them to validate the debt. They did not. I then asked them about a settlement amount and they said XXXX, and I could pay it in 2 payments. I am in the process of buying a home and figured i should jus pay to have this collection deleted asap, because it was stoping me from closing, I let franklin know that and that was a huge mistake. After I made the first payment they reported me to the credit bureau as a collection not paid, after we both agreed on the XXXX. On XX/XX/18 i called them to payboff settlement and was threatened by 2 workers over the phone. And was call a XXXX XXXX XXXX XXXX.They also said they would no longer do a pay to delete for me, and that my settlement offer was no longer valid, because i didnt make the 2nd payment 2 weeks from the first payment. They never told me it had to be 2 weeks later, i was told in order for them to not put it on my credit report i had to make the first payment 2 weeks after the first payment they it in to the CB as a collection item. I have made several attempts to talk to a supervisor. Franklin collection service inc is not even authorized to Collect debt in Wisconsin where I live. This same account has been reported to my credit report 2 times and has been previously removed by othercollectionagency 's once they verified that this is not owed by me I spoke to a supervisor and he was not helpful when i told them to verify it.
Checking account with Bank of America. Continued to allow withdrawals on my checking account that were not authorized, which caused numerous additional charges to my account. I went to the bank and was unable to resolve the situation after waiting 2 hours, with an appointment. I withdrew all my money and they would not allow me to close account. Now they sent a letter saying my account is closed and I owe {$600.00}. Then they mailed me a new debit card? I had to go to another bank. This is going to end up going on my credit report as a not paid account.