WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a long history with what is now Capitol One Credit Cards and it has been completely unblemished. I have been asking for an account upgrade to XXXX without an annual fee and although I have been told that I would soon be getting an upgrade offer I have yet to receive XXXX in 4 years. I have always paid more than the minimum have usually carried a balance and the rest of the credit report is great. My financial status has improved greatly since I first opened the account in XX/XX/XXXX with XXXX and since Capitol One took it over in XX/XX/XXXX it has still improved. After many calls to the company for the upgrade to eliminate my annual fee I was told that I had to wait for the fee to be assessed. I did indeed call after the fee was assessed and still had to talk to XXXX people to get it done. I opened this credit card 9 years ago to establish good credit in my name and was told that this was the way to start and that the annual fee would eventually be dropped as I showed my worthiness over the years. I had no control of Capitol One buying the company, but still I have done more than show my worthiness to have my account upgraded to XXXX without an annual fee without having to close this account and starting a new XXXX.
RCI agency address XXXX XXXX XXXX XXXX, WA XXXX phone XXXX XXXX XXXX XXXX. I had a bill in collection from emergency room. I got a call from collection agency, I called them back right away and I was surprise I have medical bill at collection, it was some mistake in emergency room they did not charge my insurance or did not claim all tree bills to my insurence company. And I try to talk to people from agency and explain the situation that I already payed one medical bill and I need a time to call to emergency and my insurance company to found out what bill is it? And why my insurance did cover it. They were extremely rude, they raise voice on me, they interrupted me and told me all the time that it is my fault i did not pay my bill on time XXXX but I paid bill which i got from mail ). When I asked the name of the lady who talked to me on the phone she said her name very quickly and when I asked to spell for me she said that spelling the same as a pronunciation. She did not give her name. I asked to transfer me to she supervisor, she put on me on hold for 10 minutes and i never got the supervisor. I called back immediately and asked lady from front deck transfer me directly to supervisor, and finally when i riche the supervisor she was again the rudest person she also raised her voice. I asked her name she spell for me like XXXX and I asked she last name or number how I can identify her when I will talk to the owner of the company. The supervisor starts yell at me and hang up on me. I called again because I need to pay bill and I finally paid, but people who work at this agency totally unprofessional, rude and they will be the same way because they know I 'm customer can not do anything. Im asking you help please, check please review online how many people in the same situation like me. XXXX it was my first bill in collection, I never had even late payments ). They was treating me like some sort of criminal
I have a fraud alert on my account as a result of my personal information being compromise and a police report due to someone using my information to try to obtain credit cards..there are over XXXX hard inquiries on my report that I did not make..I am requesting that they are removed from my file as soon as possible..I am interested in buying a car and need all inquiries removed in order to do so.Thank you.
First of all, this has been an ongoing struggle to get the credit reporting agencies to correctly report my credit information correctly. Apparently, there is another person by the same or very similar name and very similar social security number as mine. Over the past 9 or 10 years, I have sent numerous requests to the credit reporting bureaus to get my information accurately reported ; however, every time I check my credit report ( s ), I am given inaccurate information. I finally quit checking for the benefit of my mental health, since it was causing me much stress and XXXX. About a month ago, I checked into my report and once again, the negligence and incompetence of our credit reporting agencies was evident. This time it was after a dispute with XXXX. Upon the return of my investigation, I discovered the following inaccuracies : 1 ) I had 2 incorrect previous addresses reported ( both of which have been disputed in the past 10 years ). 2 ) My correct social security was listed at the top of my report ; but for some ignorant reason, they listed another INCORRECT LAST 4 DIGITS OF SOMEONE ELSES SOCIAL SECURITY NUMBER UNDER " OTHER ID ''. ( I have disputed the use of a similar social security number in connection with my report in the past 10 years with all 3 credit reporting agencies ... even warning them in the notes about NOT reporting or confusing me with another individual with a similar social security number. I AM A BORN CITIZEN OF THE USA AND I HAVE ONLY BEEN ISSUED ONE SOCIAL SECURITY NUMBER IN MY LIFETIME!!! WHY CA N'T THE CREDIT REPORTING AGENCIES ACCURATELY MATCH EVERY NUMBER TO THE CORRECT FILE!!! 3 ) I=2 entries of inaccurate employment reported. Both current and previous employment are inaccurate. I have disputed this in the past as well, and finally, Transunion and XXXX have entered the information for my employment accurately. Question ... why do n't they consult with each other or at least with previous corrections! 4 ) Innacurate credit account information. I disputed this account but likely it was linked back to my account back to the second social security number that was added to my file under " Other ID ''. XXXX and the other credit bureaus can not continue to put amother person 's credit files and information on my record just because they are looking for a scapegoat to pay for that other person 's bad debts. I have NOT moved in the past 26 years. It should n't be that difficult to report accurate information. I am a very humdrum citizen. I do not have any delinquent accounts and never have ... until they started mixing up my credit files with another person. If I had the money to spare, and I were n't an average minority, I would seek legal council to sue for compensation. I have spent far too many man hours and extinguished way too much undue stress to correct this issue of incompetence. As I said, this has been going on for the past almost 10 years. I have called and written letters to correct the inaccuracies ... but to no avail for it appeared again.
My complaint is about the Military Star card. I missed an XXXX payment, but made my payment again XXXX XXXX. Before that, I made a payment in XXXX for {$180.00}, and XXXX payments in XXXX for a total of {$400.00}. I am able to get bank statements to show payments made. The company says I owe over {$500.00} and keep reporting me to the credit bureaus as 30 days late. They said my minimum due is {$180.00} and since my last payment was for {$120.00}, I did not meet the requirements. However, I have been making the {$180.00} payments, and even double it in XXXX. They continue reporting me as late. When I tell them that I 've been making payments, they say I have n't. My last statement says I am XXXX payments past due. If they are doing this to me, I am sure they are doing this to many more veterans. Please help.
I have contacted XXXX and they informed me as I had reported that this credit card was obtained fradulently and even though I have reported to credit bureaus and also asked XXXX to notify nothing has been done and it 's been on there for years. As for the Tax Leins ' the IRS figured those years of my taxes and they are the ones that obviously made the errors, but yet I am being financially punished.
I have XXXX overdraft fees from Wells Fargo. I am a XXXX XXXX and have been taken advantage of because of my age. I used a Pay Pal card to make XXXX purchases. I didnt realize that the XXXX card did not have sufficient funds so it was debited directly from my Wells Fargo account. XXXX transactions which incurred overdraft fees. I have never requested or felt the need to request an overturn or courtesy reversal of fees but i have no choice. I called and XXXX representatives and a manger who i requested to speak to claimed that Wells Fargo does not have any courtesy refunds for customers. I am XXXX man with little income and have been a good customer to Wells Fargo. This is an outrage! I went inot the banking center and they claimed that the banking center did not have a manager and no none could help me. Are they serious?? Please i ask that you the CFPB look into this and help me out.
I received a copy of my credit report and i find two hard inquiries that were not authorized by me. I contact TransUnion and XXXX XXXX about the fraudulent inquiry and they agreed to remove it from my credit report but they never did. Today i check my credit report and XXXX XXXX  add another inquiry to TransUnion report that i did not authorized, i call them and they both said the same thing. I'm very frustrated, this is a very serious matter, Transunion and XXXX XXXX  won't help me fix it. Please remove XXXX XX/XX/XXXX and XXXX XX/XX/XXXX from my credit report.
I have been a victim of identity theft, Police report has been submitted it to the Creditor that includes their account Bank Of America they said that the account was verified, How? just by assuming that my name is the same and the address match their records. Therefore is mine, I am not denying that the account is mine, Identity Theft Victims when accounts are hacked the perpetrator uses the person identity to identify that they are the actual account holders. when they are not, this is what Identity Theft is all about. ON XXXX XXXX, XXXX I wrote a letter to the Bank Of America requesting the information you will see in my attach letter asking for copies of the charges slips with my signature on it, their investigation report to verify if in fact the signature match my own signature. I mean what is wrong to ask for, a very important information However Bank Of America have denied such right, but YES they can verify me by only saying that the name and the address match their records of course it will match their records does the thieve will say I used this account on XXXX XXXX behalf. That is why I need to verify my Signatures on every transaction it was done on this Credit Card. if they do n't have that information them the account is NOT verifiable. in my letter I am stating dated XX/XX/XXXX that the Law directs to provide with the documents requested at no charge without requiring subpoena within 30 days if in 30 days they fail to respond the account should be Remove/Deleted from the XXXX major Credit Bureaus Company 's because, they fail to Provide me with documents requested I have never received only a letter from Bank Of America stating that the account is mine, therefore now I am asking you to use the Provisions and Regulations under the Fair Credit Act to request Bank Of America to Remove/Delete this account, because it 's being reported it every month to the Credit Bureaus that the account it is Closed but is over the limit when the account is closed, also being reported it as being Late when is closed, on top there is a violation of statute of limitations because according to their records the last payment they received was in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX is about 6 years old. In the State of California states that either Verbal or written Contracts if they are over 4 years are not collectable.
XXXX year ago I submitted a complaint and at the time US Bank claimed to have resolved this issue and sent me a letter saying that it has been resolved. This month I received a letter saying that the same issue has continued to happen. Please see case number : XXXX. 

I originally had a loan with XXXX XXXX Mortgage XXXX and that loan was sold to US Bank. At that time XXXX XXXX XXXX XXXX XXXX signed over and sent the money orders to US Bank. US Bank claimed to have not received the money orders initially but then said that they have received them but had not cashed them. They were charging me late fees and reporting missed payments on my credit report due to this issue. My XXXX XXXX has dropped more than XXXX points due to this issue. I received a letter on XXXX of XXXX stating that this issue was resolved and that they would update my credit report. Although my credit report has not been updated, I had n't heard anymore about this issue until XXXX of XXXX saying that the money orders were either not received or not cashed. The only option they gave was placing a stop payment on the money orders which comes at a cost ( that they are not willing to pay ) and that process takes at least XXXX weeks. In the meantime they are still reporting negatively on my credit report and charging additional late fees. Please help.
2 certified letters were sent requesting that all accounts that are asking me to pay be VALIDATED not a verification but VALIDATED & send proof of certified copies of the TRUE BILL & Accounting of the accts.to prove this debt is owed to remove fraudulent inquiries, update address, update phone numbers, remove personal statements from credit files and update all information I requested remove all bad address UCC 1-308 WITHOUT PREJUDICE
This is a debt owed by a previous husband who did not reside with me at time debt was incurred. This agency has been informed of this by my attorney and has changed the name on the debt to mine. I thought this was resolved over a year ago but suddenly they are calling again and have just recently began sending demands in my name. The address with the original debtor is not even my address.
I have disputed XXXX XXXX XXXX reporting negative credit card account item on my Transunion credit report over the past XXXX years. This was a secured credit card that was open with initial {$300.00} security deposit back in XX/XX/XXXX. Due to fraudulent transaction I did not authorize XXXX XXXX XXXX closed account XX/XX/XXXX. XXXX XXXX paid was used to pay off remaining balance. This account was paid in full prior to being supposedly charged off by XXXX XXXX XXXX. I am requesting XXXX XXXX XXXX stop reporting this negative item on credit reports
I filed a joint bankruptcy XX/XX/XXXX chapter XXXX and there are items still reporting as being opened as of XX/XX/XXXX There is an item marked medical that was possibly included in the Bankruptcy for {$3900.00} or is incorrect all together that should not be marked as an open account. it should not be there. and the are a lot of XXXX money bank /XXXX/ that are still showing as open accounts
Both XXXX XXXX XXXX and Navient are reporting student loans as being past due on my credit report and they have remained inactive for over 7 years. The state of Ohio prohibits reporting on credit report on debt that is over 6 years of age ... These accounts are in a defaulted status. It has prevented me from buying a house and has caused serious financial stress and issues ... When I asked how they can still be reporting this very old debt their answer was to report them to the CFPB
Over the last XXXX days I have received a minimum of XXXX calls from Allied Interstate. When I answer the calls I get hung up on. My longest " conversation '' has been XXXX which consisted of them telling me who they were and that the call can be monitored. I am unable to find out exactly what debt this is in regards to since they hang up.
I 've been with my financing company for almost 2 years now, and never really missed a payment. For 7-8 consecutive months in   XXXX    my payments were being withdrawn on time by this company without any problems. One month (  XX/XX/XXXX ) the payment decided not to come out and the company took it as a missed payment. I rarely check my account on bill day due to my knowledge of not having any money left. So for the next couple of month the payments continued to come out as if nothing happened. I never received a call or letter in regards to that one month that was missed due to not being taken out, which was also proven on my bank statements that the funds were available. So after a month or two went by and payments being made in those months ( XX/XX/XXXX  and   XXXX   & XX/XX/XXXX  ). I woke up one morning in the month of  XX/XX/XXXX  and my vehicle was gone. After getting in contact with the police department, I was told my vehicle was repossessed. I contacted the Finance company and was not given any cooperation with the situation on the matter. I was told I would have max of a week to pay the towing fee and 3 months worth of car payments totaling to {$1200.00} or my command will be contacted and car would be sold. After being threatened and hassled I received a loan to pay off debt to get car back which took 3-4 days. Then following this problem, for the months of  XXXX ,  XXXX  and XX/XX/XXXX  I was doubled charged a month of car payments of {$450.00}. After contacting the company they did not comply again, giving false payment information stating that I owed that months payment even though I was already charged for it. They then began to threaten to call my Commanding officer again if debt was not paid by a certain date. I was being hassled and repeatedly called every second by this company for months. I had to get a new phone number to resolve this issue.
The information within my file regarding this debt is inaccurate. The lender is listing a inaccurate balance total. The lender did not update the payments accurately. When the vehicle was first purchased the total financed was for the vehicle price and warranty. The warranty was later dropped and the full amount due was paid back to the lender by XXXX. Attached is documentation from the lender themselves showing that a separate warranty was purchased. That warranty was later refunded to E

xeter for the same amount. Exeter never updated the credit reporting or the balance due to reflect the refund of this item.

In doing so Exeter Finance has violated my legal rights under the FCRA and has violated state and Federal law. They also went as far as to sale the debt to a third party with inaccurate information. Also, they have reported incorrect information to all Credit reporting agencies.
A company called NCC Business Services is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$3900.00} but I have never done business with them and I have never received any letters or notices from them. Why did they not send me a notice of my right to dispute this debt before they reported it to my credit? The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
I was recently notified that my credit score dropped because of a delinquent payment. The account in question is with XXXX XXXX  XXXX, now reporting as Wells Fargo. I was added to this account as an authorized user. The primary card holder requested that I be removed in 2010. About a month ago ( XXXX ) I was notified by a credit alert that a delinquent payment caused my credit score to drop. The primary cardholder as well as my self made a call to the Company on several occasions, but could not speak with the account rep that was assigned the case. Attempts to leave voice messages failed because the mailbox was full. I never used the services or requested the service, and I was never notified personally the account was delinquent. I am seeking relief of this problem. I am including the phone number as well as the case number regarding this account. Case number XXXX phone number ( XXXX ) XXXX XXXX Thanking you in advance.
Credit card company sold debt to collection agency that resulted from identity theft. I have mailed a copy of the identity theft report via certified mail to the company.
Equifax has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I am writing to request the income based repayment option that Sallie Mae assured would be possible when I originally took out these loans. I graduated in XX/XX/XXXX and have obtained a job making XXXX a year, which does not afford me the ability to make the full payment without an income based payment plan. Since graduation, I have attempted to work with Sallie Mae without success. Since I can not afford to pay my whole paycheck, I utilized the rest of my forbearance in hopes of a better option. I also contacted Sallie Mae to discuss whether there were any options left to me, since when I took out the loans, I understood that there would be repayment options like income-based repayments, that would allow me to pay on principal and interest at a lesser amount. 

I have now been told that this is not the case. In XX/XX/XXXX, a Sallie Mae representative spelled it out like this on the phone, I was only given the following repayment options : 1. Take the last of my forbearance option to stall payment during that month of hardship 2. Go to a third part institution and try to refinance my loan 3. Default and hope that once the loan is in debt collection, there might be other payment plans offered to me And that was it. Sallie Mae 's tactic, find a way to pay the balance, refinance through a different company or go to collections to see what repayment options are left to me. None of these ideas are remotely close to the repay back options I was told would exist when signing up. 

Instead, I am left with horrible options that risk my credit and livelihood. Due to questionable business practices on your end, I am carrying the burden of more student debt then I should ever had been issued. I would pay the amount back, if I ever could touch principal balance and start paying my debt. Instead youve made it impossible to succeed in payments, inflated the amount of debt I owe with added fees and regulations and have pretty much guaranteed my failure at repayment. 

These are questionable practices in trying times and I thought that you should know about it.