WillisBack/dataset-financial-user-claim huggingface dataset:
This is a credit card with US Bank for my farm. 10 years ago this card was opened and used for XXXX XXXX. the interest rate agreement was for 8.9 per cent. After a year they raised the interest rate to 28.9 per cent. I had never missed a payment nor was ever late always paid more than the minimum. I called them to find out why they had raised the interest rate. They said it was because I had too much available credit and if I would close some of my other credit card accounts they would lower the interest rate so I did and called them back after 6 month then they said they could not lower it because I didn't have enough available credit and to call back in 6 month and they would lower it. This went on for over 10 years I continued to try to work with them. I figured I had paid almost {$40000.00} to them for a {$10000.00} charge. I repeatedly tried to work with them and they refused to work with me so after paying that much I stopped payment. I should have never been charged the 28.9 per cent it should have been 8.9 per cent and it would have been paid off 5 years ago. Basically this has been extortion. Now they are randomly pulling money out of my bank account, I have repeatedly tried to deal with them but they are just continually extorting money from me. I would greatly appreciate any help I can get on this matter.
XXXX    XXXX   is reporting late payments for  XXXX  and  XXXX   XXXX  on a credit card that was closed in  XXXX  and completely paid off  XXXX .
My XXXX 's XXXX credit card was turned over to Portfolio Recovery. However i was in a debt consolidation program who immediately contacted Portfolio Recovery and settled the debt and paid Portfolio Recovery. Portfolio recovery has reported the difference of the settled amount as an open balance to the three credit bureaus. I have disputed the debt with the credit reporting agencies and Portfolio Recovery advised the debt is valid. The debt is not valid and they have had this negative remark on my credit files for over 7 months. This is fraud and would like action taken against this company. My credit score is being affected and i request this debt removed and my credit history fixed. It should not have been reported. I have documents to support my claim. Please help me get this corrected and also i feel action should be taken against this company.
Today is XX/XX/XXXX and since XXXX I have disputing with XXXX that my credit report was incorrect and that the information on it needed to be corrected and placed back on my credit report. I had fraud on my credit and I notified the police and the three credit bureaus and XXXX is the only bureau to date that still hasn't fixed this error. 
I have had two credit cards with Capital One one since XX/XX/XXXX and the other since XX/XX/XXXX both accounts were NEVER to be deleted or closed. XXXX claims that they received a letter from Capital One that stated they needed to close and delete these two accounts. Well I contacted Capital One and they told me that they never sent anything nor did they close my two accounts and that they both are in good standing and that they have reporting to the three bureaus monthly since I opened the two accounts. So I called XXXX  back and asked to speak to a supervisor and explained everything I was told that Capital One requested these be closed and we did it and there isn't anything that could be done. I spent week after week calling to get someone to give me a different direction to go in and finally in the beginning of XXXX after calling and mailing out reports and back proving these accounts belonged to me I spoke to a supervisor whom informed me to have Capital One call the business department. So I did and the supervisor from Capital One called the business department while I was on hold with her and they told her that they rejected the request but NO ONE form XXXX  notified Capital One nor myself to let us know this had happen. Now the supervisor form Capital One states to the business department that these accounts are active and our customer has both cards what should she do to correct this issue, she was told that she needed to have me reach out to the consumer department and let them know these are infact my cards. 
So after she gets off the phone with the business department and tells me what they said I was XXXX. So i got off the phone and called the business department myself and the person that answered the phone told me they can't speak to me as I am not the business, I asked her to hear me out so she did while I was explaining the issue from XXXX till now she tells me i believe you because this story sounds just like the story I just heard on a previous conversation. I told her so what can be done because NO ONE will correct this. She tells me to have Capital One call back and ask for her and they will work on it. So I did the Capital One supervisor called and sent over TWO accounts to XXXX   that needed to be reinserted and as of XX/XX/XXXX XXXX has only put one of my accounts back on my credit report. So I would like someone to MAKE XXXX correct my report once and for all and update my credit score as it is INCORRECT. I am tired of disputing the same thing over and over again.
I recently looked at my credit reports and noticed that Capital One XXXX .... reported negative marks 90 60 30 Lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 )  ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customerand that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve
I made arrangement with Chase Bank to make monthly payments of {$180.00} on a close account from XX/XX/XXXX to XX/XX/XXXX. During that period of time, Chase Bank reported that my payments were 90 days past due until the balance was paid off. Chase Bank has refused to remove the 90 days past due notice on my credit bureau reports. I feel that Chase Bank is unfairly punishing me although I upheld my end of the contractual agreement.
I am contacted daily, sometimes twice in a single day, for a debt that is now 7 years old! They had started off calling my home phone, but now call my cell phone using multiple different phone numbers so I ca n't block them. I have told them numerous times that they need to stop calling, especially since the statute of limitations for collecting is past, but they ignore me! There are also many times that I answer, and it 's automated telling me to call them back. Please help!
To whom i t may con cern, I have sent correspondence to all three credit bureaus regarding public records ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as the parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.
On XXXX XXXX, 2016, I went to Chase Bank at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, to cash my security deposit check from my landlord XXXX, ( corporate name is XXXX ) that was made payable to me. When I gave my XXXX types of ID and my check the bank refused to cash same because on their client 's account it was indicated that a person could not cash same. I was furious because when they want my money they want money orders and yet when I receive my security deposit I ca n't even cash it. I had to take the check and direct deposit it to my personal bank account.
I have not received paperwork/a contract from this business who is attempting to collect an alleged debt from me. I sent a letter on XXXX XXXX, XXXX and requested a validation of an alleged debt in the amount of {$720.00} to World Acceptance Corporation to no avail. In the letter, I requested the agreement bearing my signature stating that I agreed to assume the debt, the agreement stating the amount of said debt along with any accrued interest, as well as complete payment history for the debt allegedly belonging to me. In addition, I also included in the letter the account number tied to this debt that shows on my credit reports. I find that the response that I received from World Acceptance Corporation is unacceptable, and I believe the response to be a stall tactic. Validation of a debt is forwarding copies of the actual proof of the alleged debt and account in my name with my approval or signed statement of contract with the service per FDCPA. The response that I received from the creditor, World Acceptance Corporation, for validation was considered " frivolous '' in their words. I am dismayed that my concern for my credit, as important as it is, is considered frivolous by this company. It is my right, by law, to have any debt reported on my credit validated. I have provided World Acceptance Corporation with the account number which they themselves reported to the credit bureaus, and they still seem unwilling and/or unable to to validate this debt that I allegedly owe. This collection is a stumbling block on XXXX XXXX to homeownership. Considering that this business does not have a contract with me for goods or services they allegedly provided nor have they provided adequate proof, I am pleading to have this item deleted off of all of my credit reports in fairness of my rights with the laws and regulations of the FCRA.
Our homeowner 's insurance has not received their payment and it is overdue. Our mortgage servicer has not provided proof of cashed check. To avoid cancellation of our insurance we went ahead and paid our insurance. Insurance and taxes are escrowed so this should n't have happened.
Despite never, during my 9 years as a customer, being opted in for overdraft services on my checking account, First Citizens Bank explicitly applied XXXX overdraft charges to my checking account on XXXX/XXXX/16 totaling {$72.00}. This was apparently due to a trio of non-reoccurring purchases made over the two previous days using my debt card, totaling approximately {$13.00}. I contacted customer service to see if the problem could be resolved, but they declined to waive the fees. According to their own Basic Overdraft Service Disclosure, they had no choice but to decline the purchases, knowing I 'm not opted in, but they did n't.
I initially spoke with this company back in XX/XX/XXXX, and XXXX XXXX explained that they were trying to collect an old debt from a XXXX XXXX Credit card from 2006. I informed her that this debt has already been resolved and she proceeded to explain how that was not the case as the collection agency I paid was not the correct one. After a few more minutes of communication, I requested that she send me documentation in writing, and she immediately said, " Good Luck to you XXXX XXXX '' and hung up. Weeks later I heard nothing else from this company before my father in another state called me to tell me that they called his home phone looking for me and also told them that they had been unable to make any contact with me, which obviously was n't true. That was Friday XX/XX/XXXX. I called the company back that day and spoke with a gentleman who answered the phone. I explained my frustration with the first call, and the fact that they were calling my parents and lying about not being able to get a hold of me, and he resonated with my feelings of the level of unprofessionalism. I continued to explain the situation to him, and he flat out told me that the company I previously paid to clear the debt was a scammer and the debt is still owed. He went on to tell me that XXXX XXXX directly was placing a judgment on me. I requested documentation and he said that he could email it to me. I asked for it to be sent by mail and at that point he said, " Well, I can do that, but I have to label this as dispute ''. I told him that was fine, whatever he has to do to send me documentation in writing, and he finished by telling me good luck and hanging up on me. After being hung up on again, I tried to call back, and no one would pick up the line. On Monday XX/XX/XXXX, I received 6 calls within an hour and one voicemail. The voicemail was from a woman in compliance, who stated that they have made several attempts to contact me at my address, which they have not done, and if there is a lawyer that they need to speak to, they need that persons contact information, and if things are not resolved by the end of today they will be taking further action. I called her back and once on the phone I started by trying to explain the history of this, and that her statement that they have not reached me is false as I have spoken to two people within her firm. She seemed surprised by that and as I continue to explain the history, she quickly cut me off and told me that I started off the call wrong and as such she is not going to speak with me but continue forward with the action. We each began yelling and I asked several times for her to let me speak and she would not allow me to do so. She stated that she was going to contact my place of employment in lieu of speaking with me directly and continued yelling and screaming at me, at which point I had to hang up because it got so contentious.
I made payment on XX/XX/XXXX in the amount {$920.00} for acct # XXXX, paid to Ocwen Loan Servicing, LLC. I notice that the payment was returned along with receiving a fund returned letter dated XX/XX/XXXX. for not sufficient to satisfy the reinstatement amount on the account. Which I have always pay the escrow, which is my taxes and insurance., The payment applied is the correct amount, that I previous pay consistently. Further investigation needs to be looked at in a timely manner according to my records. I also receive a letter separate class action suit in regards to phone calling and harrassment. and challenged the debt that is supposed to be correct. However I will submit the evidence for your record.
I recently pulled my credit report from all XXXX agencies. I noticed a collection listed from Ability Recovery Services with 2 accounts that I did not recognize. Acccount ID : XXXX for {$52.00} and XXXX for {$52.00}. On XX/XX/XXXX I sent a certified letter to the Ability Recovery Services requesting  validate the debt. On XX/XX/XXXX, I received a letter from the company with a printout of a bill. On that bill it states that the XXXX XXXX Due amount is XXXX. Then under that it states under creditor information that the current balance is {$52.00} for both accounts. The printout does not state what the charge of {$52.00} for both accounts is for. I sent another certified letter which was picked up by someone at Ability Recovery Services XX/XX/XXXX at XXXX. In that letter I requested that the company provide me a breakdown of the fees, what the fees were for, who and how it was verified and verification of a HIPPA authorization. I have not received any documentation or response from my letter since it was received by the company XX/XX/XXXX.
Upon reviewing my XXXX credit report, it showed I still have an open line of credit since XXXX/XXXX/2010, from a credit union I had my checking and savings accounts with until I moved to SC. These accts. have been closed for 6 years.
Company is trying to collect on a debt that had not been validated by XXXX previous companies. company stated that " You are in a wage garnish-able state. '' That in itself is an FDCPA violation. They continue to " Robo-Call '' following notification of cease and desist. they have violated numerous laws within the State and Federal levels, and potentially subject to civil liabilities under FACTA.
Around XX/XX/XXXX I opened a XXXX XXXX Card. I paid it off in XX/XX/XXXX. It was sold to XXXX XXXX and they reported it to collections. They say I owe {$1000.00} but I paid {$1200.00} and I have proof it was paid.
I refinanced my loan thru HARP. My escrow was raised from $ XXXX/month to $ XXXX/month. I have repeatedly asked what they are paying and to give me a breakdown. No one can answer this question. They say they are only paying my taxes ( which is $ XXXX/yr ) and they have made the payment for the last several years so they know. If you do the math at $ XXXX/mo, they are collecting {$6100.00}. I have spoken with them about this since XXXX and they will not give me a straight answer. And they refuse to do another analysis and check why it is so high.
On XX/XX/XXXX I disputed 2 collection with the 3 credit bureaus and also sent a debt verification letter to Cavalry. They responded by sending me one statement showing 1 statement for XXXX XXXX, reference # XXXX, but did n't send the original terms I entered into an agreement in XX/XX/XXXX. I specifically asked for the same terms for the other account they are trying to collect on which is XXXX XXXX XXXX  reference # XXXX which I never got a response from after my first debt validation letter.
XXXX XXXX Inquiry from XXXX XXXX, 2018 + Bank not mine XXXX not XXXX XXXX never late chase inqires not mine XXXX and transunion have ruin my credit i 've made every payment XXXX XXXX  reporting wrong amount with only owe them XXXX
There is a XXXX address connected to my credit report. I have never lived in XXXX. The address listed belonged to my ex wife who moved there well after we were divorced. She has also moved from that address. I do n't want any address that I have never lived at or been associated with to appear on my credit report. 
I live at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and have for 50 years. I have never lived or been to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Thank you, XXXX XXXX
In XX/XX/XXXX Barclay XXXX offered XXXX service members the luxury card for 0 % interest. I called the company prior to applying and they told me the annual fee of {$990.00} would also be waived. Soon after my card arrived, Barclay sent a letter in the mail stating I would receive the 0 % APR in my billing statement ending XXXX. The letter stated they may end the introductory APR and the penalty APR if I make a late payment ( which I 've never done ). XX/XX/XXXX I received a letter stating they were going to charge my card {$990.00} for the year and my 0 % APR ends when I 'm no longer on XXXX. Barclay customer service has been great and their concierge service is second-to-none. It 's upsetting I have a letter in writing stating I would receive these benefits until XXXX and now are changing the terms. The offer they provided caused me to stop using my other cards and only using the Barclay Gold Card. I did n't expect them to execute a " bait-and-switch '' due to their professionalism which I 've experienced over the last year.
Back in 2014 I was looking to buy a new car and I was preapproved for two loans one through XXXX XXXX XXXX XXXX and one through USAA. I was referred to XXXX XXXX XXXX in XXXX DE but they Told me that they did not carry the type of car that I was looking for but they could take me to the Auto Dealer Auction with them and I should be able to find the vehicle that I was looking for. I agreed But they said I would need to give them proof that I had the funds before they would bid on a vehicle For me. To support that I had the funds I gave XXXX XXXX XXXX both of my pre-approvals. We went To the auction a few times and then we finally found a car. To make a long story short I decided to forgo the loan and I bank wired the funds for the vehicle. After I paid for the car XXXX XXXX   still processed both auto loans without my consent. I notified the XXXX DE police and they were tried and convicted of fraud, theft, identity theft and forgery ( Case number XXXX ).
Six months ago, I paid an extra amount to be applied to the principal of my mortgage, however, the mortgage company ( Freedom Mortgage ) did not apply the amount to my principal, but listed it as " unapplied. " All my attempts to contact them have failed ( phone, email, and U.S. postal mail ).
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach inXX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Moreover, they must provide financial compensation for those affected to fund credit monitoring services like XXXX to provide ongoing protection of priceless, irreplaceable personal information.