WillisBack/dataset-financial-user-claim huggingface dataset:
This is another complaint regarding Capital One. I have sent many different complaints to get answer but at this time still have not received the information. I recieved one call from XXXX at Capital one & I have called her back numerous of time without receiving a call back, however she was able to sent in this letter. With this letter Ms. XXXX has attached other letters that were supposedly previously sent to me that I never received from other representative at Capital One, however the information reported in the letters are different. For starters the letter from XX/XX/XXXX states my account my charged off on XX/XX/XXXX however it is being reported to all three credit bureaus that my account was charged off XX/XX/XXXX. As we all know its against the law to report inaccurate information to the credit bureaus. 

The other difference between the two letters is Ms. XXXX reports in her letter that my account was placed with XXXX XXXX on XXXX XXXX. This can not be true because as I stated in my previous complaint that I made contact XXXX XXXX in XX/XX/XXXX which is two month prior to the date Ms XXXX is reporting they placed my account with this group. Also in the previous letter from XX/XX/XXXX it states my account was placed with this group on XX/XX/XXXX. Again, I am receiving different information from representatives from the same company. 

I have numerous of paperwork from each credit bureaus showing the different date of my account charge off compare to the date provided in the letter by XXXX so there is no need to attempt to update the dates at this time. 

I am included in this complaint all three credit bureaus, I will be filing with the XXXX, I will be sending this information as to the CEO to show the inaccuracies being present by his company which is against the FCRA. 

I expect a response within the next 15 days to included the account being deleted from all three credit bureaus due to the inaccurate information being reported. 

I no longer want Ms. XXXX on my account. 

I have many contact with XXXX XXXX now known as XXXX XXXX XXXX  and they are no longer handling my account due to the inaccurate information that was provided to them by Capital One due to my charge off date and what is being reported to the credit bureaus. 

If I do not received the above communication and the deletion of this account from my credit report I will continue with legal action due to the violation of the FCRA
Step 1 : What is this complaint about? Need to take Citi off my credit report.

Step 2 : What type of problem are you having? Closed account but showing up on XXXX.

Step 3 : What happened? Still appearing on credit report.

Step 4 : What company is this complaint about? Citibank Step 5 : Who are the people involved? Citibank Info : CBNA XXXX {$0.00} {$5000.00} 0 % Revolving Current XX/XX/2016 2016
On XX/XX/XXXX, I was notified by the Illinois Department XXXX XXXX XXXX that my personal information was stolen and XXXX gave me a year of credit monitoring. Fraud alerts were placed with the major reporting agencies. My credit reports were being monitored and no fraud accounts were opened or reported until I received credit report notifications from the 3 credit reporting agencies on XX/XX/XXXX regarding a new collections account from Security Credit Services for {$2300.00}. The original creditor is reported as XXXX XXXX. XXXX XXXX never ran a credit inquiry or reported any accounts on my credit reports until the collection account. XXXX has the collections account reporting last activity on XX/XX/XXXX. All 3 credit reporting agencies have the collections account reported on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and they had the wrong name, the wrong address, only the last XXXX digits of my SS number, incorrect phone number and email address. They also told me they would open a fraud case and have someone call me but I never received a call for them. I then filed a police report with the XXXX XXXX XXXX police on XX/XX/XXXX for identity theft. On XX/XX/XXXX I called Security Credit Services to get more information and made the mistake of giving my current address as of XX/XX/XXXX, recently moved. Then I received a letter in the mail from XXXX XXXX XXXX XXXX requesting information to send to Security Credit Services and stating that the account information was verified, although the name is incorrect. The letter also asked for more information including my signature, but I feel I am giving them too much correct information and after reading the reviews and complaints of Security Credit Services, I feel they may be creating a fake debt and again, nothing was ever reported, inquiry or account on my credit reports for XXXX XXXX. On XX/XX/XXXX I filed an identity theft report with the Federal Trade Commission.
This agency has repeatedly violated my rights under the Florida Consumer Credit Protection Act ( Fla 559.27 ). When they were notified back in XX/XX/XXXX, they sent a file to a XXXX. They are again pursuing collection in violation of fla law.
I have never had any contact with this business. I do not owe this company, never had a signed contract with them. this is on my credit report in violation of 15 U.S.C. 1681. XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. I never received any documentation for the said debt. I am entitled to all documents in regards to this debt before it is reported. my rights were infringed and this needs to be removed as it is not validated and fraudulent. I will contact the state attorney if this is not removed! Please remove this fraudulent trade from all CRAs
Never heard of the company, Midwest Recovery Systems until I started getting calls week of XXXX XXXX. They never leave messages. Reviewed my XXXX report today to see they are stating I owe them {$800.00} from the original creditor XXXX XXXX. This company does not exist calling from different cell # 's in the state of Florida. State Of Florida is not in the Midwest that 's how sad this is. This is ridiculous. It amazes me they call the week this was added to my credit report with no previous documentation stating I owe this bill, which I do not. I am highly XXXX XXXX  and plan to go to local authorities.
Sent them a Debt validation letter and they never responded back they have no authorization to report anything on my credit reports.
On Tuesday XX/XX/2017 I transferred funds from two joint checking accounts at First National Bank ( FNB ) to a personal checking account making the AVAILABLE balance in the personal checking account {$15.00}. I then made a purchase for {$15.00}, leaving a positive balance in the account of {$.00}. The next day both of the transfers and the debit card purchase were showing a pending and the account was showing an overall balance of {$.00} but I was also charged an overdraft fee. Credits are posted to the account before debits so the transfers were credited before the purchase and the purchase is still showing as pending. I contacted the bank to request a refund of the overdraft fee but was told the funds were not available at the time of the purchase. However, FNB policy is that transferred funds are available immediately, credits are posted before debits and again, the funds were showing as AVAILABLE. If the funds are not available then they shouldn't be included in the total available amount listed online. This is deceptive and is a way for the bank to obtain more overdraft fees.
To Whom It May Concern, The reason for my dispute is Credit Corp Solutions Inc. was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, Credit Corp Solutions Inc. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809.

Validations of date and Mini-Mirandi under Section 807 ( 1 ) Credit Corp Solutions Inc failed to send me my initial communication  before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX, XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where Credit Corp Solutions is in compliance with OHIO LAW. 
I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. Credit Corp Solutions Inc. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Debt was paid and still listed on my credit report as a open collection, called and spoke to a supervisorXXXX and still nothing was done to correct the issue
Ford Motor Credit / Ford Motor Company misapplied payments, didn't correctly report to the credit bureaus ( which I'm having to correct their inaccuracies with the bureaus myself ) and failed to report that the vehicle in question was ( as agreed by all parties ) RETURNED with a XXXX balance due to their fraudulent and shady business practices as an effort to avoid being sued. 
Ford Motor Credit and XXXX XXXX XXXX XXXX ( Virginia ) are crooks and sell overpriced lemons after refusing to allow someone to purchase a vehicle ( IN CASH ) telling them that they only way they can get a car is to finance it through them. And then they throw in their " VIP '' package which is bs because in the end it doesn't save you money on anything.
in XXXX this company appears on my credit report I asked them to send me one prueva of this debt now in XXXX this company appears on my credit report with a charge of {$500.00} aks that information of this debt i never received approved of this derbt never contac me and no results only it comes out that this update this account so therefore I want this debt is removed
I received a call from XXXX XXXX XXXX from Stone Leigh Recovery at XXXX eastern time. XXXX did not identify the name of his company on the phone call and did not indicate he was calling in regards to a debt. I told him that I 'm not aware of any personal debts and he should mail me official notice. XXXX wanted me to verify personal information and I refused. My ex wife has many debts that are no longer my obligation and the debt collectors like XXXX use misleading statements to try and gather personal information such as my last XXXX of ss #, mailing address and contact numbers. I learned of the company name after calling the number on the caller id and requesting from XXXX 's brother the name of the company.
They said someone applies online and it marked inquire. but I never apply those company. I have only one company applied before but other is never apply before. I got identity theft from someone else now please remove this. I'm trying to keep my credit history better. but I find out there is never seen inquire before so I have to dispute today. 
Please Help me to remove my wrong inquire on my credit history.
I need in writing the resolution from second round collection agency the this debt is not collectable and I 'm not liable and longer
See the attachment of all the FCRA violations by this company, XXXX. I verified through a phone call this morning ( XXXX/XXXX/15 at XXXX XXXX XXXX that our account is and has not been past due yet they are reporting it as such. They are also reporting 2 times which is double the negative impact on my credit. They are reporting the account as CLOSED but it 's an active open mortgage? I hope you can look into the practices being observed by this company and help them to understand what the rules are.
In accordance with the FCRA law, if the credit agencies do not provide documentation of an disputed account or accounts then them accounts shall be removed. I have repeatedly fought the following accounts due to the fact they're not mines .The following accounts I'm asking to be blocked from my report. ( 1 ) XXXX XXXX , and XXXX XXXX XXXX {$950.00}
Macy 's is the only credit card that will send me a bill and after I pay it in full I receive another bill. After contacting them, they claim it 's additional interest.
I had a billing dispute with XXXX that they refused to correct so out of frustration I paid the bill of {$1500.00}. XXXX subsequently turned this item to a collection agency despite it being paid. I have called XXXX repeatedly and Diversified Consultants, a collection Agency. I even supplied proof of payment i.e. cancelled check and they still reported this item as past due to XXXX. Subsequently I contacted XXXX and they continue to be unresponsive yet my credit rating has been seriously impacted.
I disputed the reporting of XXXX XXXX XXXX reporting a $16000+ outstanding balance.  This account was included in bankruptcy and NOT reaffirmed.  I submitted a copy of the US Bankruptcy Court's denial of reaffirmation multiple times to Experian, XXXX, XXXX and XXXX XXXX XXXX and it was not corrected.  In fact, they started reporting past due payments which caused my credit score to plunge and hindered my ability to find housing.
XXXX shows a debt owed by me to Ability Recovery Service associated with an original bill due XXXX XXXX XXXX. I have not done any business with XXXX XXXX XXXX and the debt is not mine. XXXX  investigated and claims their investigation indicates it belongs to me. It is with 100 % certainty that the debt does not belong to me.
They ask for my full social security number, which, of course, I do n't give out. They say I owe a bank named Sychrony. Never heard of them. They call constantly, as early as XXXX est. The number is XXXX. Lately my caller ID just shows out of area.
Regions bank located at XXXX XXXX XXXX XXXX XXXX florida closed my account unjustly, the account was deposited 2 checks and i made the account good again with 2 deposits of XXXX, regions swiped XXXX plus XXXX and run me all over town and lied to me numerous times to retrieve XXXX dollar balance and closed the account without notice, after i was liet to numerous times and went all over town playing the run-around-game, when i asked XXXX XXXX for the original contract back as its my property when the account is closed, she said she lost it, and i asked also for the two bad checks back she lost them also, ok folks well youre being investigated now, and all ATM transactions, debit card purchases and the nice blue ink signatures of mine that you sold will all be found very soon now and there will be TROUBLE, you people think youre so slick dont ya, you not allowed to sell my signature without my consent, and youre not allowed to collect all the interest on the securities either, because it is due to me with a 3 year period i can claim the interest you XXXX ME OUT OF, plus all the charges of fraud and theft coming your way,
Activated citibank Debit Visa card on XX/XX/XXXX. Expired on XX/XX/XXXX. Citibank says that any monies on card at expiration are theirs for accounting fees per agreement at time of purchase. I saw no agreement at time of purchase. 

XXXX
I was just hit with a collections of {$160.00} from a " MRS BPO LLC ''. I have no outstanding bills so this is a fraudulent charge.
I had a credit card with XXXX XXXX/XXXX for a couple years and closed it earlier this year. I paid the full balance due and closed the card. Now, they are reporting to all credit bureaus that the card is charged off and paid after closing. This card has never been late and was closed in perfectly good standing. I 've contacted the company and was told to mail a request to correct the credit bureau information. I 've mailed the company a copy of my credit report showing the negative reporting and nothing has been updated.
I ( mistakenly ) co-signed on a student loan for one of my sons over 15 years ago. That loan was picked up by " American Education Services '' ( AES ) in XXXX, PA. 

He stopped paying on that loan nearly 10 years ago ( due to medical and emotional problems ) and I have been paying on it since then. 

For the past 6 years my son has ceased all communication with me and others in our family. He has moved in and out of state and today I am not sure where he is and have no way to contact him. For the past 2 years I keep getting e-mails and letters from AES advising me that " the address and/or telephone number we have on file ... '' for my son " ... is incorrect. '' I have communicated to AES by e-mail, written letter, and phone call that I do not know my son 's contact info and do not expect to have that information again and to stop harassing me about this matter. They assure me that they will update the account so that I do not continue to receive these notices. THAT WAS A LIE as I continue to receive both e-mail and postal mail notices about this matter!!
I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they XXXX ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not one of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted XXXX now its XXXX.
Experian is refusing to investigate information that is on my Free Credit Report. The information is old, ( XXXX XXXX ) and should of been removed as of XXXX/XXXX/2016, according to my previous Experian Report # XXXX, however, I can not get them to even check my old report information, due to the fact that they investigated this particular account years ago. I do n't need them to contact the institution, I just need Experian to check my old report information to see that this information is negative and old information, and suppose to be off my report by now.
TODAY I tried to FREEZE MY CREDIT REPORT WITH EQUIFAX AND FOUND OUT THEY WANT TO CHARGE ME {$10.00} TO FREEZE MY CREDIT REPORT. They collect all my information and dont pay me, but want me to pay them for a credit report freeze.that does not seem right or fair.
I will call them to try to get them to waive the fee, but i dont feel very confident they will do that.
I will be trying to freeze my credit reports with the other two companies, and i fear i will be very upset to find out they, too, charge.
This does not seem right to me, especially since the company getting hacked is the reason i am trying to freeze my CR.
Can you tell me if the cfpb can do anything to help us consumers ... .and thanks for all you currently do.
Thanks XXXX XXXX
Hello  . ARS collection agency. First appeared on my credit report monitoring as an alert, many listings for the same amount. Never received notice in the mail. Sent them a request for validation. Never received an answer. Sent that information to   XXXX   XXXX   XXXX   XXXX  . All  XXXX  agencies removed the listings.
Fast forward two years later, again I get a notice from credit monitoring saying these have AGAIN appeared on my credit report. Disputed with   XXXX   XXXX   XXXX   XXXX  . Again sent request to validate the debt - tracked of course though the USPS. They again failed to validate the debt. Still not removed from   XXXX   XXXX   XXXX   XXXX  . I do n't recognize the account and they did not se  nd validation of the debt. Not sure what to do at this point.
Experian declines to remove the unauthorized inquiries and opted instead to make false accusations and allegation in which I am quite displeased about ... 
However, I have read countless reviews about their erroneous reporting, and how they will claim you are using a repair company, because you know the law ... indeed a lot of complaints will sound the same when you ( Experian ) are causing the multitudes the same issues and grief ... litigation will follow if this is not cleared up, and the accusations don't cease, and it is at my discretion to use a company if I want, yet I opt not too, because I can take you to court myself ... and I know the law promptly delete- XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX In, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX   XXXX , XXXX XXXX , XXXX , XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
I purchased a mattress at Macy 's who told me they would give me {$100.00} off the price if I opened a credit card. At purchase XXXX of Macy 's told me he could n't take the {$100.00} off at the register. My bill came, but not with the {$100.00} discount. Over the phone I paid for the mattress in full, less the {$100.00}. This payment was handled by XXXX of Macy 's. XXXX assured me all was fine. That took 45 minutes. 
Two weeks later I called Macy 's to check to see that my balance was {$0.00}. No, there was a {$100.00} balance on the account. I called XXXX of Macy 's who told me that he would make the adjustment. That took XXXX minutes. He told me that he would have a letter mailed to me showing a zero balance. 
About a week after that I contacted Macy 's to check my balance ; computer voice said {$0.00} balance, and I pressed the button to have a letter mailed verifying the amountToday a receive another bill from Macy 's showing a balance of {$100.00} -- the {$100.00} plus interest. I called Macy 's, spoke with XXXX and supervisor XXXX who tell me that I owe {$99.00} because someone adjusted the {$2.00} off the bill. Their math is {$100.00} + {$2.00} interest - {$2.00} in adj = {$99.00}. XXXX told me that computer would not let him take off the amount, but he assured me that he would keep trying, and would call me Mon-, Tues-, or Wednesday to confirm that all was taken care of. I have NO faith that this can be accomplished. Can someone please help me? I have superb credit and I envision Macy 's showing a late payment because of their incompetence!
I disputed fraudulent accounts, credit cards, addresses and bankruptcy due to identity theft with a police report. They removed all addresses that werent linked to fraudulent accounts causing them to verified and remain on my report. Deleting my current and factual address and address I previously lived at so I couldnt even verify my self online or over the phone. So I had to wait on mail to come next door. Also the bankruptcy is still reporting. I cant even get a credit report because its under investigation. But its actually completed. Transunion XXXX  and XXXX  deleted everything and put it back. This is my life I have small children and this identity theft is a hindrance. Then to not get a solution has left me in tears.