WillisBack/dataset-financial-user-claim huggingface dataset:
This company called XXXX XXXX say I have a open account with Capital One. There is another company who is handling this case I filed Bankruptcy in XXXX the account XXXX XXXX has was discharged chapter XXXX I do owe Capital One money but not from XXXX XXXX that credit card was paid off or discharged
I was having financial difficulties and turned my credit cards over to a company called XXXX. They negotiated payment plans with my creditors. I completed the program and paid off my debts in full as of XXXX 2016. I am having trouble with American Express. While I was in the program they reported my payments to the credit bureaus as either on time or reported nothing. But when I paid if off in XXXX of 2016 they changed their reporting to the credit breaus to " XXXX Serious Delinquency Charge Off '' and listed the amount I paid off which was over {$12000.00} as the " charge off. '' All the other cards I paid off through the program report me as paid off and on time. But American Express makes it look like I defaulted. American Express uses a " customer service '' number of XXXX for help with credit reporting. They are no help. I 've discussed this situation with them 4 times. First time I spoke to them they tried to say there was a period of 6 months in which they received no payments so I provided them a copy of the letter from American Express that I completed the program and paid in full and documentation from XXXX regarding all the payments, amounts and dates showing it paid in full. The " customer service '' number appears to be an international call center. All they say is once a serious delinquency charge off is done they ca n't fix it. I sent them all the documentation and explained that it is a clerical error on their part, still they say that there 's nothing they can do. I 've asked to speak to a supervisor and they said one would call me back with in 48 hours but that was like a week ago and I 've yet to hear from anyone. If they 're not going to provide any customer service as this number they might as well just have a recording. I 've tried various other American Express numbers as well to see if I could find a person to help me fix this. But they all refer me to the same customer service number even when I explain to them that no customer service is taking place at this number. I have filed investigations with the documentation with all XXXX credit bureaus. But this is all very time consuming and I am trying to refinance my house and this is holding me up.
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit. While these applications did not yield accounts the fraudulent related inquires were found on the credit reports. Previously we sent official disputes to the creditors however two are still being reported to the credit bureau XXXX. A recent XXXX credit report shows that inquiries with CBNA and XXXX XXXX? XXXX  XXXX are still being reported AFTER official disputes were provided to both of those banks disputing the applications as fraud related. This is now a violation of her federal consumer rights.
Last year around XXXX, I saw an ad from Citi Bank for its Preferred Thank You card signing bonus of XXXX Thank you points without any spending requirement. I applied and was approved. However, after 4 months, Citi bank is still not giving me the XXXX thank you points.
Equifax reports twice that I owe a medical debt through XXXX XXXX XXXX for {$370.00}. I have asked for proof that I owe the debt but they refuse to update or remove it when I disputed it twice. I called the reporting agency and they could n't provide proof of a bill and still refuse to remove it. 

Equifax not only refuses to remove it they reported it twice on my report and ignored my dispute of the issue. 

The issue is they list twice on XXXX XXXX, 2016 a debt listed by XXXX XXXX XXXX. I asked for a bill and also to remove the double reporting of the issue. Equifax just ignored my dispute and continued reporting it without actually taking action on the dispute information I provided. They ignored me and did n't even act on the information I provided them.
I have reached out to the credit bureaus about a car loan that is showing up on my credit report. I have contacted the creditor and submitted documents to them as well advising them that this was fraud and my identity was stolen. They have been cursing me out and hanging the phone up in my face. I need to have this {$20000.00} car loan taken off of my credit report immediately.
I opened a checking account with First Tennessee Bank on XXXX17 with a deposit of {$300.00} and had my first direct deposit on XXXX/17. It has been over the six week mark since I met the requirements to receive the stated {$250.00} bonus. Would you please see to this matter? <P/>I have contacted First Tennessee Bank via email about this situation, but did not recieve a response.
On XXXX XXXX, 2015, I filed the paperwork to start a chapter XXXX bankruptcy and advised XXXX XXXX XXXX and Quality Loan Services ( trustee handling the foreclosure action ). Without getting a relief of stay, the foreclosure sale was rescheduled to XXXX/XXXX/2015, which is a violation of the stay. The sale should have been cancelled, since all foreclosure activities are supposed to cease, and the trustee 's sale ca n't be reset until after the bankruptcy.
This shall be the fifth complaint about Freedom Mortgage and frankly I am very tired of their XXXX poor customer service and fake ID 's, not responding to letters sent via US Postage and not following Federal Law now. My first complaint was processed on XX/XX/XXXX and I mentioned about my pump house going out and I had spoken to a few account reps but would get a call back and nothing was documented on my account. Let it also be said this is yet another time Freedom has managed or purchased my loan. So I got a friend to witness all the calls and submitted at least on 20 different occasions my paperwork for loan modification that Freedom denies receiving although I have provided fax transcripts and signatures of people who signed for those documents. Then the people who respnd to these things it is my belief are not actual people or real names since the Post Office is unable to locate these phantom people. Finally they accuse me of not communicating ; which is one thing I have done quite a bit. I just refuse to speak to any robo call and those who say their names are not telling the truth. So fast forward to XX/XX/XXXX ; I received a letter stating I owed XXXX, XXXX USD and that includes the current month. So I sent a check for {$2000.00} to cover XX/XX/XXXX and XX/XX/XXXX payments and so I would be current with mortgage payments minus the late payments. Freedom did not apply the payment as required by Federal Law, and in fact since XX/XX/XXXX 2016 they have not been applying my payments as the law requires. I sent a letter to Freedom and they have said they will look into the matter and also asked to have my account audited for payment accuracy and have yet to hear from them with a exception of they will get back to me. I will add this is the very first letter that I have sent to them out of several complaints that they have actually responded too. As I understand the written law the bank must apply the payment in complete as long as it covers the principle, Interest and escrow and the late charges are to be dealt with separate. So rather than now owing them over 3k like the letters they have sent I should be current minus owing late fees which according to Federal law the last 2 months of late fees and home inspection fees are fraudulent and not legal. So hopefully now before that XXXX XXXX in the White House makes this Organization go away hopefully we can get this corrected. EDIT if you look at the previous replies from Freedom neither were followed through by the company. They say a " Payment Plan '' was offered but in American to have aupdated contract or a contract both parties must agree to the conditions of the contract. This party had zero knowledge nor would I have been able to pay such a high plan. It is explained in detail in the complaint prior to this one. Also please note that Freedom never closed out or responded to the prior complaint which is their way of doing business ; and I do not see it getting any better. I never asked these thieves to buy my loan and this is the exact same thing the FTC fined them for a few years ago.
Hello, I asked Experian to delete an Account from my Credit Report but was unsuccessful in my efforts. I asked them to send me proof of validation but they failed to do so. I would like you to look into this and help me correct / delete an Account that is not mine from my Credit Report. 
Thank you very much.
this is in reference to No. XXXX, as there is a long history of this complaint. My brother-in-law, XXXX XXXX, is the executor of my late ex-husband 's estate, which includes a condo financed with Bank of America, a HELOC, and originally a first mortgage Bank of America sold to XXXX who subsequently sold it to XXXX XXXX. I am on the mortgages, which I quit-claimed to the my now deceased ex-husband, XXXX XXXX XXXX, brother of XXXX XXXX, who is the heir and executor of the estate. XXXX XXXX XXXX and myself have repeatedly requested in writing that Bank of America and XXXX XXXX recognize XXXX XXXX XXXX as the power of attorney and executor of the estate and correspond with him at this address. Bank of America continues to refuse to cooperate with XXXX XXXX and still insists on sending all correspondence to the deceased 's address after they have been told that address no longer exists for XXXX XXXX XXXX as he is deceased. XXXX XXXX XXXX sends payments to Bank of America and they apply them to another real estate loan XXXX XXXX XXXX has and they file late notices on my credit report, as I am still on the mortgage, but have no interest in the property that is the subject of this complaint. Bank of America just simply refuses to respond to any pleas to straighten out this nightmare they have created and now they are trying to destroy my credit rating. Now you have dismissed the complaint because of no authorization from consumer. I have written to you giving you authorization, SO NOW YOU ARE BEHAVING THE SAME WAY AS BANK OF AMERICA. XXXX XXXX XXXX and I are totally frustrated by this behavior as you should be bringing Bank of America into compliance instead of dismissing this complaint without proper investigation. 
Sincerely, XXXX XXXX
I was sent a threatening letter from navy federal regarding an account that was left with an outstanding balance. They threatened legal action via email & by phone.
Despite my repeated attempts to resolve this problem, and despite XXXX in a secure message referring me to an email address called XXXX, XXXX continues to engage in this online blackmail with me. The problem remains the same - at some point in time after I log into my XXXX account, a window appears that freezes my online account capabilities, and gives me XXXX of XXXX choices : XXXX click on a button to confirm that my income is XXXX. Or click on a button to make corrections. After this window appears, I am no longer able to navigate to any other page. And I am no longer able to log out of my account. 

I have attached all my secure messages to XXXX regarding this matter. 
I have also attached emails I sent to the trteam. The trteam has yet to provide a human response to my emails. 

How many XXXX case ID numbers does it take to resolve this? The fact is, XXXX XXXX department created and continues this problem. And XXXX XXXX department has the capability to remove this problem. Assigning case ID numbers does not remove the problem. XXXX XXXX department intervening and removing what they put there in the first place will resolve this problem. Why their XXXX department will not do this I dont know. Only XXXX knows. And theyre not telling.
Hello, I am seeking resolutions to handling FCRA violations done against me by the debt collection agency, XXXX XXXX, who is violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans. 
XXXX XXXX XXXX, is committing violations to the FCRA. They also are involved in or party to what is considered, " double jeopardy '' where this account has previously been with multiple other collection agencies that were removed from my credit files only to be purchased by XXXX XXXX XXXX and falsely reported the same account with the same " Original Creditor-XXXX ''. If an item is changed or deleted, the credit reporting company can not put the disputed information back on my file unless the information provider validates that the information is accurate and complete ( which it is neither ). I have documentation showing that this account was previously with other collection agencies and removed from my credit files, only to learn that now the same account is being falsely reported to XXXX and XXXX   credit reporting agencies. I am still trying to understand how XXXX XXXX   was able to just report on the same inaccurate, incomplete, invalid and false information back to the credit reporting agencies, of the same account previously removed.I hope that you are able to assist me in having this unscrupulous debt collection agency reported and held accountable for their intentional violations to FCRA.
In XXXX XXXX XXXX signed up for health Canceled XXXX/XXXX/XXXX Company called left voicemail saying I could cancel. 
Then I got a notice for a filing for a judgment in court. Company never sent a letter never mailed a notice. 
They also got a default judgment as I could not be there due to a car accident. 
I asked them over and over from the signing of the contract for a copy of the contract and they denied my right to a contract. I finally this year XXXX got a copy which states I can cancel anytime. 
There was no notification of owing any debt. My rights to information and the right to have 30 days to dispute the debt or the validation of the debt were denied.
XXXX has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Experian several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Experian credit report and to stop this harassment.
Citibank acquired my Best Buy Visa card in 2015. After having the Visa card for nearly 10 years, Citi decided that I did not meet their credit standards and closed my account. In addition to the closing of the account, Citi decided to prevent me from making payments online. I do not receive my monthly statements nor can I access them online since they revoked the access to the account. I have to phone in to Citi and I am usually routed to an overseas call center in the XXXX and it is a literal ordeal to make a payment. Due to the obstacles in paying off the balance of the card and never banking with Citi, the payment fell behind and now they have reported late payments on my credit bureau. I think this is extremely unfair of Citi to make to close the card, cut the online access and prevent me from making payments via online and requiring me to call in and spend a half an hour trying to explain to a non English speaking representative to make the payments. I receive calls from several different phone numbers, from five different states that do not leave messages and when called back route to this overseas call center. I have a balance of {$160.00} which will be paid off but I would like the late credit reporting removed since Citi has caused this with their payment limitations. Citi need to be investigated for their practices which are extremely unfair to customers. Citi charged me the annual fee on the account and then closed the card. I submitted a previous complaint on Citi before and I am hoping that my nightmare banking experience with Citi can end soon. They are a big bank that is not customer centric and is very challenging to work with.
I have had on going issue with Phh Mortgage They misapplied my XXXX XXXX 2015 house payment to principal only, I contacted them XXXX XXXX 2015 and they have not corrected the situation they did finally correct XXXX XXXX 2015 house payment but have now done the same with XXXX XXXX 2015 house payment I have several emails from there customer service members stating in writing that problems would be corrected ( which they have not ) as of today XXXX XXXX 2015 I received papers from PHH Mortgage stating they intend to start foreclosure process.
They lied about the terms of the loan misrepresenting the loan I got. Will not give me information on different programs to lower the payments. Making me do forbearance when I could have did a different program. My XXXX year-old mother was cosigner and they be making her real upset Did not tell me this was a private loan Will not lower my payments
I have previously submitted a certified letter on XXXX XXXX 2016 and XXXX XXXX 2016 which was received and signed for requesting that a dispute be initiated for a XXXX XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified as " account belongs to you " XXXX XXXX Account # XXXX account is still reporting information which is inaccurate. 
1. XXXX Displays no account information prior to XXXX, however this account states open since XXXX. 
2. XXXX has a scheduled payment amount of {$770.00} per month and the account states {$770.00} owed total. And XXXX charged off. 
3. The Date of the last payment is XXXX and the Date of the first Delinquency is XXXX. 
4. Report does not List any XXXX delinquencies however account states charge off. The reporting of this account is inaccurate and incomplete.
I obtained a copy of my report and the report disclosed several dismissed bankruptcy cases that are not mine. I filed a dispute with Equifax and the cases were returned as verified. I contacted Equifax today and were told that the information was verified with the bankruptcy court directly. I contacted the court directly and they confirmed that they DO NOT verify case filing information for credit reporting agencies. Equifax has failed to verify the information directly with the furnisher of the information as is required by the regulation.
I have applied loan from Spot Loan {$800.00}. I have found out that their fees is too high and they do n't have license in state of Washington. I asked want to pay principle balance only. but they did n't agree. and Now collection company harassing and threatening me by phone every day to collect more than principle amount. They said they 're going to sue against me.
I tried to open a checking account at Huntington Bank in XXXX, Ohio. I was given a adverse action letter that stated I was unable to open an account. When I asked the bank representative why? He could not give me an answer. He told me to refer to my credit report. When I looked at all three of my credit reports I did not see any derogatory information ( no liens, no judgments, etc. ) I contacted XXXX to see if there was any outstanding balances owed or if any derogatory information existed and I was told there was n't. Given this information, I went back to Huntington to inquire further and I was told from the bank representative to contact XXXX XXXX as this is the third party they use when deciding if an account can be opened. When I contacted XXXX XXXX to see what was on the report that would hinder me from opening an account the representative, XXXX, stated she did n't see anything that would spark any red flags and was willing to contact the bank on my behalf. She sent the full report to me and I emailed it to the District Manager to see if an override could be set in place based on the lack of evidence as to why I was unable to open an account. She still declined the override after I provided her a copy of my credit report, the chexsystems report, contacted her with the representative from XXXX XXXX on the phone, and the emailed report from XXXX XXXX which ALL did not show a reason as to why I would 've been declined. I also provided the district manager with my existing account number at Huntington as I already have an account there and was simply attempting to open a separate account for convenience. To date, I have not been given an answer as to why the account was denied. No one can tell me why the system automatically declined my request nor was the district manager willing to research the issue. As a consumer, I have a right to know why I am being denied access to a checking account. I have done my due diligence to figure out why the account was being declined, but everything I researched showed there should be no problem. Reaching out to the CFPB was my last attempt in trying to figure out why this problem exist.
I have been checking into my credit lately because I plan to purchase a house. I see on my credit report that Capital one has reported late payments. I have never had a late payment with them EVER. I have spoke to them and they keep referring me to a collection agency. I do n't know why I have to speak to someone in collections if my account was paid in full before I closed it. I want to keep all my financial business with one company and that 's why I closed the account.
Experian has the following inquiries reporting in my file. The statue of limitations is 2 years. The inquiry must be deleted. 




XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX   Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX
Hi I just received a notice that I have an escrow shortage with US Bank. I closed in the month of XX/XX/XXXXseveral years ago. 
They are rebalancing my escrow and say I owe XXXX or I can have a new payment of {$1300.00}. I can't afford either. 
After investigation with my insurance agent, they told me the correct binder and amount of my insurance was submitted to the lender, with my name, address and loan number with a premium amount of XXXX. 
The lender last year revised my escrow account on an insurance binder that was not mine, it didn't have my name, address or loan number on it and was for {$1000.00}. They even sent me a copy of that binder, which is a violation of Personal Private Information -PPI.They changed my escrow payment to a lesser amount and when they discovered their error and paid my insurance company the correct amount. They never notified me or adjusted my escrow to reflect the correct amount that they had processed erroneously. Now I have a large shortage which is their error.
Received multiple calls from debt collector ( Valley Credit Service ) on a debt I had already paid ( to XXXX ). I told the collector the 1st time that I had already paid my bill in full. They did not investigate until over a month later after threatening me with legal action.