WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX is reporting incorrect information for XXXX accounts on my credit report. I have attempted to contact them directly on XXXX separate occasions and they refuse to correct it. They are incorrectly reporting the date of XXXX delinquency for XXXX accounts as XXXX XX/XX/XXXX. I have contacted the original creditor XXXX XXXX XXXX XXXX XXXX ) and verified that they date of XXXX delinquency for XXXX accounts is XXXX XX/XX/XXXX. I have also requested that Equifax, XXXX and XXXX correct they information but they have not. The XXXX XXXX account numbers are XXXX ... and XXXX ... The Original creditor is XXXX XXXX XXXX XXXX and the account numbers are XXXX ... and XXXX ... As you can clearly say on my credit reports, XXXX XXXX is reporting the correct date of XXXX delinquency but XXXX is not. At this point I want all the XXXX XXXX accounts removed from my credit reports.
On XX/XX/2018 I purchased a computer from XXXX for {$1500.00}. I paid thru XXXX. When I received the computer, it was not as described. I received a shipping label from the seller, and returned it the following day. My case with XXXX is XXXX. After I returned the computer I called Capital One, my credit card company and disputed the charge. They issued a credit, contacted XXXX, but asked the wrong question. They asked if I had received the item, instead of asking if I had returned the item. Which of course I did. My case with Capital One is : XXXX. Capital One reversed the charge. I contested it, with negative results. I provided them with the USPS tracking number XXXX. The tracking number proved I shipped it back, but shows that the USPS made several attempts to deliver the computer but that no proof of acceptance of delivery was obtained. 
I talked with XXXX agent ID number XXXX of Capital One, and was told that since no proof of delivery was made, that would not reverse the charges. 
XXXX agreed with me, and tried to credit my account, but the case with XXXX and Capital One was still pending so, they could not do anything. 
HELP!
I HAVE REQUESTED PHYSICAL DOCUMENTATION FROM XXXX XXXX OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX DELETE this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that XXXX XXXX pick a day in XX/XX/2018, where we can meet in XXXX CA. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.
Good Afternoon, This is a compliant to XXXX XXXX ( XXXX XXXX XXXX XXXX, WI XXXX ), regarding a closed account I wanted deleted off my credit report. The company was not able to give valid information to verify the debt was mine. They submitted a itemized statement showing balance and fees applied to this account. This is not valid validation of debt of this account. The FTC has issued an opinion letter on this subject, and concludes that an itemized printout does not represent verification.
I was at a store attempting to use one of my Capital One cards and the card declined. So I tried to use another and the same thing happened. When I called the number on the back of the card they told me my cards was temporally restricted for possible fraud and I needed to submit my personal photo ID and social security card to them. I asked why but the gentleman could not explain the reasoning. I 've been a loyal capital one card holder for over 7 years. I 've always kept my balance low and have NEVER missed a payment. I also never had any misuse or fraud on the cards. The next day when I called back to find out where do I submit my ID & SS card, I was told I needed to provide an ID and SS card for every person who I ever had on my account as an authorized user. I asked why and once again I was told it could be possible fraud and I asked who would cause a fraud concern since I am the ONLY person who has/had a card for the XXXX accounts. I make the payments every single month, sometimes twice a month from my business or personal checking account. I asked again how can my account be flagged for possible fraud? I was told that information could not be given to me or what the real issue was. I was given a list of names that I needed the information for. I reinstated that NONE of the authorized users have access to the accounts. They never had their own card! I let the gentleman know that I own a business and I sometimes add clients onto my account as an authorized user in order to help them establish credit. The Cap One rep said that was fine. So, for the next 3 days I uploaded everyone 's ID and Social Security cards as I collected them. Once the last person 's information was uploaded, I called Capital One to confirm the next step. I was told a representative tried calling the day before and they chose to close ALL XXXX of my accounts. I stated I never received a call from CAP ONE or a voicemail. I asked to be connected the department that called me and the lady said they do n't take calls. I asked to be connected to a manager and she said there is nothing a manager can do, the accounts are closed and will not be reopened. Her last words was that a letter will be mailed out to me and hung up the phone. 
Why would they close my accounts on day 2 before I finished uploading the documents? This is a huge problem for me. Like I mentioned I have been a very good loyal card holder. I have never been late in the history of these accounts or any others. I keep low balances on ALL my cards. XXXX card is for business purposes only. I buy business supplied and reoccurring business charges are linked to that card. The main problem is I am in the process of purchasing a house. I received a pre- approval letter already. When Capital One closed XXXX accounts my credit score dropped tremendously!!!!! Those closed accounts lessened my buying power by making my credit utilization skyrocket up and showing a balance owed on all XXXX accounts with XXXX credit available.
I have been a Capital One Visa Credit Card customer for over 25 years and I have always been satisfied with the customer service. As a matter of fact, my partner signed up for a Capital One Visa Credit Card card after I recommended it to her. I am also an XXXX XXXX and have recommended the card to many of my guests who travel a lot. However, on XX/XX/XXXX I had a very disappointing interaction with Capital One customer representatives over the phone. 
For some reason I missed my XX/XX/XXXX payment of {$1300.00} by a few hours. I think it was because of a software change on the bill payment website at my bank which now requires repeated confirmation of an electronic payment and I may have closed the website too early. I got an e-mail from Capital One on XX/XX/XXXX that I missed my payment. I quickly checked my payment history and found that the payment had not been made. I immediately called Capital One and asked if I could pay it right away and if they could waive all the late charges. I was assured by the operator that the charges were cancelled and that I was clean. 
I did not think anything of it and made my XX/XX/XXXX payment of {$4100.00} without scrutinizing the bill very carefully. When the bill due on XX/XX/XXXX arrived on XX/XX/XXXX I was shocked when I saw that I was charged {$51.00} interest. After all, I had payed all my bills in full and only the payment due on XX/XX/XXXX was a few hours late. Then I went back and reviewed the timing of the events and the bills and realized that I was charged {$64.00} in the bill due on XX/XX/XXXX. 
I was outraged when I realized that only the late fee of {$25.00} had been dropped but not the interest charges of {$100.00} for being a few hours late on a payment of {$1300.00}. I find this unacceptable especially because I immediately took care of the problem as soon as I knew about it. 

In summary I am asking Capital One to credit my account with all the interest charges that were caused by the delayed payment on XXXX XXXX. These charges were listed on the bills due on XX/XX/XXXX ( {$51.00} ) and XX/XX/XXXX ( {$64.00} ). I am also asking you to eliminate any additional charges that may be on future bills.
On XX/XX/2018 I opened a checking account with Citibank. It was funded XX/XX/2018. On XX/XX/2018 my corresponding Savings account was funded. The terms of the offer were to open a new checking and savings account package between XXXX and to deposit {$15000.00} new-to-Citibank funds into either of them with a minimum of {$1500.00} in checking. Funds must be maintain a minimum balance of {$15000.00} for 60 days. Get {$400.00} deposited into your account. According to everyone I've spoken to at Citibank ( reference XXXX ), I qualify. I met all criteria on XX/XX/2018 and 90 days waiting for the bonus would put me at XX/XX/2018. I called then, and I was told I'd receive it at the end of the month. I called on XX/XX/2018 and was told 5-7 days more. I called XX/XX/2018 and was told 1-2 business days. It's now XX/XX/XXXX and I still haven't received it. Please help, I'd just like to receive what was promised.
XXXX XXXX has an account on my Equifax file that is outside of the federal obsolescence time frames for remaining on the file. The XXXX delinquency prior to charge off was before XXXX. I disputed this with all XXXX bureaus. XXXX XXXX and XXXX properly removed the item. Equifax left it on which puts them out of compliance with the Fair Credit Reporting Act and ( at the very least ) guilty of negligent non-compliance under the Act. The account number is listed as XXXX. The open date is XXXX. They list an activity date of XXXX ... but this was an adjustment date by XXXX XXXX and not a payment date that brought the account current.
In XX/XX/2014 my fiance called XXXX to cancel my service as she was switching me to her XXXX account. I was not aware of this action and working at the time. My service was stopped. I called XXXX and told them i needed my phone restored immediately as i used it for work ( XXXX ) and that i did not authorize the termination. I was informed that would be taken care of as soon as possible. The following day I still did not have service. I needed a phone so I went to XXXX as they claimed to have my number ported to them. I was set up by XXXX. About three days later, XXXX ported my number back to them shutting down my XXXX phone. I went back to XXXX and they apologized saying that XXXX should not have been able to do that. Ported me back once again and my service has been working ever since. My issue is that XXXX charged me TWO early termination fee 's and continued my monthly charges amounting to a bill of {$800.00}. I have argued via phone and spoken with a local XXXX dealer to no avail. It is a bill i strongly believe I do not owe and have not paid. It is on my credit report and effecting my credit. I do not believe this is fair at all.
ERC has called my mom and husband regarding my contact information stating that I have outstanding debt that needs to be paid. They have also called me. I do not have any outstanding debt and my credit reports are clean.
I had a bankruptcy in XX/XX/XXXX. This bankruptcy was discharged 9 years ago. I have attempted numerous times through XXXX and Equifax to have this removed from my credit reports and both XXXX and Equifax refused to remove this past bankruptcy. The most recent dispute that was declined with XXXX was XX/XX/XXXX and the most recent for Equifax was on XX/XX/XXXX.
Equifax is reporting a duplication of an auto loan that I am the co-buyer on with my grandmother. The loan account was opened XX/XX/XXXX with XXXX XXXX XXXX with a current and remaining balance of {$12000.00}. This is the ONLY loan that we have with XXXX. I have disputed this error with Equifax on numerous occasions to include numerous online disputes as well as phone calls. I have been told by Equifax to contact the creditor ( XXXX ) and have them validate the correct account. XXXX  has and continues to validate the correct account and report information monthly. Equifax updates the correct account while disregarding this duplicate entry for almost 2 years despite my numerous disputes. Its an obvious duplicate as both entries show the same account number. We never closed an account and opened another with XXXX and XXXX has confirmed there has been no reason or changes that would to justify an additional entry. 
The duplicate account has not been updated since XX/XX/XXXX which is when it was added, still shows a balance of {$17000.00} and an account open date of XX/XX/XXXX. All incorrect, proven incorrect yet Equifax has and continues to report incorrect information that has not only lowered my credit score, increased my debt to income ratio and directly impacted my credit worthiness and ability to obtain credit.
United Auto has an account listed on my XXXX and XXXX credit reports. The XXXX report does not have a recent balance but noted as paid. The XXXX report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from United Auto. The  Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit reports.
On XX/XX/XXXX, the XXXX XXXX XXXX company in XXXX XXXX, MO placed a collection on my credit report stating that I owe {$480.00} from XX/XX/XXXX. This company called me XXXX and when I asked for documentation about the collection, they decided to place this collection on my credit report without further notification.
In my consumer credit report, a note of XXXX XXXX of Bankruptcy # XXXX which does not belong to my credit reports is reported. Like variations of names, addresses that do not belong to me such as XXXX XXXX XXXX XXXX XXXX P.R XXXX and jobs that do not belong to me, such as XXXX XXXX and XXXX XXXX XXXX. 

Realize an investigation in the portal of the judicial branch of Puerto Rico to verify the information of the incorrect record and this case number is not reported under my name. This situation is making it impossible to use my credit for future purchases.
I received a phone call from a company called frontier financial group, and they claimed they were collecting for an unpaid payday loan. I have been making payments to them since XX/XX/XXXX. I paid XXXX dollars a month, then in XX/XX/XXXX, I paid XXXX dollars, then was going to pay remainder in XXXX. I tried to contact them to talk about my payment, and I could not reach them by phone at all. I tried about XXXX times that day, XX/XX/XXXX, different times of the day, and always got hung up on. I did some calling around, and even XXXX said they could n't find anything on this company, but when she researched it, found nothing but information about them being a scam. I have paid a total of XXXX dollars to them, and would llike my money back if possible. 
thank you, XXXX XXXX
We paid off our mortgage XXXX 2015 and have yet to have the mortgage discharged. 
The company Bogman Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX or Toll Free : XXXX Fax Lines : XXXX ; XXXX Bogman has failed to find the paperwork. Bogman has accepted and cashed our check and still failed to discharge our mortgage, they claim they can not get in to the software because of a lost password. In contacting the Commonwealth of XXXX, Division of Banks, Bogman Inc has failed to be licenced in XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX. 

Claims a debt is mine when it is not. They can not prove my financial responsibility for this debt and are unable to provide any proof that I am a responsible party on this debt. The Debt is in the name of another person and the bill is sent C/O my name only. They do not even have my SS number. They have no authorization from me or signature or contract that I am responsible for this debt. The date of purported service is XX/XX/2015. 

I have disputed this debt with Experian but they refuse to remove this debt from my credit report even though XXXX and XXXX   have already removed it. They have been given proof the invoice for the debt is in the name of another person but they still refuse to act. They refuse to request further information from XXXX XXXX   proving my responsibility on this debt.
Called Vanguard around XX/XX/2018 requesting they deposit {$4000.00} dollars in my XXXX XXXX XXXX in XXXX California. They told me the money would be deposited the following week around Wednesday or Thursday. I told them I need the money now because I was going out of the country. The respose was the same. They told me how much it would cost/ Taxes on the money. I agreed. The Money was never deposited. I was lucky I had borrowed {$1000.00} from the XXXX .They gave me the cash the same day. The money from Vanguard had never been deposited into my account. I had a previous time of very bad business before and am very uncomfortable about calling them. I am retired, worked for XXXX XXXX, and have a 401K. That where I was getting the money from.
XXXX XXXX XXXX MN Credit Bureau Address City, State, Zip Code XX/XX/XXXX Dear Experian I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, ( XXXX XXXX
I have an interest only loan plus I have an escrow account. The loan is being serviced by Ocwen Loan Servicing. The interest plus escrow is approximately {$980.00} per month per the loan modification completed in XXXX XXXX. I received my statement for the payment due XXXX/XXXX/XXXX and there is an additional fee of {$1400.00} due. It is listed as Fees/Other Charges on the mortgage statement with no additional explanation. No letter explaining what this additional fee is for. I contacted customer service and was on hold for a lengthy time while she researched the issue. She finally connected me to the Escalation Dept where the Manager placed me on hold so he could contact the Cashiering Dept. When he came back he told me he needed to research the issue and call me back. He called me back the same day to tell me Ocwen was calculating the interest incorrectly and that I owed Ocwen {$1400.00} due to Ocwen 's error and as a courtesy they could add this amount due to my loan balance. I requested additional information as I have an interest only loan and this interest error now impacts my XXXX taxes. I requested a full accounting of when this error began, how they calculated the interest and what the interest should have been. I have not received any of this info. All I have been told is that I owe this money that is due to Ocwen 's error.
In XX/XX/XXXX I voluntarily returned my car to my creditor. I was sent a notice from the redemption department on XXXX XXXX to see if we could work out terms for me to get my car back, we could not come to terms on this matter. I never received any information on when or where my car would be sold or that it would be sold. Then on XXXX XXXX I received a letter of Disposition of Repossessed Vehicle. The letter stated that the car had been sold and that there was a deficiency of XXXX. In there calculations the started with a balance owing of {$9200.00}, and that they sold the car for {$2600.00}, leaving my obligation at {$6500.00}. My dispute is this, on XXXX XXXX I also received a letter from the company that I bought the car from stating that my balance owing was {$5500.00}, and by my calculations when I turned my car in I was at roughly the same amount. If I only owed {$5500.00} on my car if I were to pay it off directly then how can I possible owe {$9200.00} when I turned it in. There seems to be something legally wrong with the way they are calculating amount owed. Does interest on the loan not stop the day I return the car or the day they sell it. How can they have me owing almost {$5000.00} more than the payoff.
I began to struggle with my mortgage payment in XX/XX/XXXX while cooperating from a XXXX XXXX and a XXXX. I had some out of pocket medical expenses and I informed Mr. Cooper, my lender of my struggle. I heard nothing from them until I received an auction sale date for XX/XX/XXXX. Ive been working with Mr. Cooper all the month of XXXX and nothing happen. Just the usual rudeness and hours of hold time. I called today and was told by Mr. Cooper that they offered me a loan modification in XXXX and my first trial period payment was in XX/XX/XXXX and since they didnt hear from me the month of XXXX they put me in foreclosure with the XX/XX/XXXX sale date. They acknowledge they never called me in XXXX because I was under the modification but I still was being processed the same month for foreclosure. I can not be in foreclosure and loan modification at the same time. I Never received a loan modification trial period and today was the first I heard about it. The state of Georgia says they must give me 45 days and I didnt get that time. When I called today they did not quote me the disclaimer nor did they advise me that I was being recorded but I do have names and departments. When I called back to ask a few more questions my calls were blocked. On the internet the sale date/ auction date was submitted XX/XX/XXXX. I have $ 100K equity in my home and I shouldnt have to lose my home for {$8300.00}. They gave me one option and thats to pay the reinstatement amount and this is the only option I cant do. There are too many complaints that Mr. Cooper, better known as Nationstar, subjects borrowers seeking mortgage modifications to Kafkaesque delays and obstruction in Violation of state laws. I need them to offer me the program they said they offered me that would get my mortgage current and affordable. I was told today the loan modification lowered my monthly mortgage payments. Again I Never received a loan modification trial period and today was the first I heard about it. I need them to give me the time the state allows so I can be considered the modification to save my home.
So I had XXXX internet for about one year and 4 months when I decided to cancel my two year term. They said it there will be a fee for cancelling since I'm in a 2 year term. So they gave me the option to suspend my acct meaning it will be temporally be disconnected for the remaining 8 month for a fee of {$7.00} each month with a automatic closure after 8 months that way I don't get charged a fee for closing my account before the term was up. After my 8 months was. Account fully closed. Out if nowhere I get a huge bill. Very unhappy with this bill. I have been working really hard in repairing my credit but it's so hard with this unaffordable bill. If I had money I would of just paid it just get it over with. So I heard maybe this website will be able to help me with this. Thank you for the time.