WillisBack/dataset-financial-user-claim huggingface dataset:
I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.
My account is # XXXX Credit Counseling Inc in XXXX XXXX FL . The rep managing my account has been " harrasing me '' these past 10 days. I had called back to arrange payment plan but he wasnt available person who took my call was adding other fees that this guy waived because We discussed last week my due amount and payment plan. I had expressed many times to him that I have proof and I am going thru XXXX XXXX XXXX myself and in fact going to another XXXX next week I wont be able to walk for 2.5 months. I also have proof of financial distress as we had a water damage in our house where me and my family of XXXX live. However I had told him I wanted to start paying to not affect my credit I called him back to provide my payment info but the other rep was not aware of all our arrangement for payment. Today I responded to him friendly and nicely. He didnt let me finish talking started using obscene language telling me threathing with about his lawyer saying I am not playing games with him, you know who I am? Do you? Dont bypass my question? I was Like? Who is this guy?. I wanted to inform him my first payment was on the way from my bank account and he didnt care he didnt even let me talk? He kept yelling at me over the phone i said you know what goodbye and I hung up. He is horrible and I need your assistance people like this shouldnt be doing these jobs nasty low educated people. I am just sick in pain these days and I still can be a nicer person than him. I ask for your help but I am also looking into getting counseling from the general attorney. This guy wont stop calling me. I thought I would call rhe manager directly but this guys is always answering. I had been a collector myself while in college and still able to get my commision without acting or being an XXXX with people.
Beginning approximately six weeks ago with weekly calls, now someone calls me nearly every day from the number XXXX and leaves a message stating that they are from " XXXX '' and are calling to collect a debt. They say to call back at the number XXXX. I have called both of the numbers back, and first it says I have reached a " non-working number '', then immediately rings again and a recording states that I have reached " Navient ''. Once, after going the long way through their IVR, I finally got to a person, who immediately asked for my SSN. I refused to give it to him, because this obviously sounds like a scam, and asked why they keep calling me. I was told that they ( Navient ) deal in student loans, and I told him that I have never had a student loan. He then confirmed that they have no record of my phone number tied to any account in their system, and also said that they are not affiliated with any company called XXXX.
The consumer financial protection bureau needs to request a recorded conversation I just had with select portfolio servicing, the company servicing the mortgage the investor, XXXX XXXX has on my property. The conversation was held with XXXX XXXX on XX/XX/2018 at XXXX XXXX   central time. I want this conversation forwarded to XXXX XXXX, the attorney general, XXXX XXXX comptroller of the currency, fdic, 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, the bankruptcy trustee, the federal reserve, XXXX settlement and any other company agency or entity involved with the fraudulent mortgage XXXX XXXX is servicing on my home.
Over the last several months after seeing a new account listed on my credit file I contact Chase Bank only to be informed that I had opened a charge account in 2008. I notified their offices along with the credit bureaus only to be told the account in question was sold and they no longer have record. I then provided them with a copy of a law enforcement report and affidavit only be told that was not sufficient.
I have duplicate reporting and one of them is closed and the other is currently opened and I had missed payment on them but ive been making payments on time and in fact I paid the balance down to 10 %.
I have noticed this Factoring Company named XXXX XXXX XXXX is reporting derogatory remarks on my credit report and I have never had any accounts with them or any accounts with Capital one for this amount of monies I have had a capital one card years ago and it was paid in full so I 'm really curious as too how this company is trying to get money from me and I never had any account owing this amount of money, the payment history is showing I have failed to pay and I do n't know what I 'm paying and why and who these people are, I would like to address this immediately and get this negative remarks removed from my report.
A caller claiming to be Comenity bank has called me twice in a week to collect an old written - off debt ( approx 20 years old ). Threatening that i better have a lawyer, etc. I called the real Comenity bank myself, and they said I do not have an open account in collections or otherwise with them. They also confirmed that they do not have a phone number XXXX in their organization. the caller 's name is " XXXX '', and she states I " better call today '' with my lawyer. Obvious scam
Received letter for my mother, who is now XXXX and XXXX, that CapitalOne360 had an account in her name about to be turned over to the State of New Jersey. I am Power of Attorney and have sent Capital One the forms and notarized signature, authorizing me to assume control. My problem is that CapitalOne says I need to talk to the Security Team before I am authorized. Am happy to do this, but they do not answer their phone, they do not call me back. Contacted a manager, XXXX, in Customer Service, and he said he would try to connect me to them. But to no avail. Been on hold with him for 15 minutes now. He finally came back and said he can not get hold of his Security team now to talk with me. I made XXXX simple requests : The Security Team call me and for them to mail an account statement to my mother at her address on record. XXXX basically said he could not guarantee either. Just that he would " make the request ''. I give up. I can not spend an inordinate amount of time while CapitalOne holds the account hostage. Help?
I took out a second mortgage with Bank of the West in XXXX. I just recently refinanced my first mortgage and consolidated the second mortgage as well. when I call to get a balance, it did not seem correct. I requested a print out of payments of my account. When received, I noticed that there were XXXX payments never applied in XXXX as well as other payments not applied correctly. Through 4 weeks of phone calls, messages not returned, I was told by them that they were looking into it, then it was sent to the wrong department, then someone else was assisting. I let them know I was refinancing and needed this resolved as it was going to be paid off shortly and still no one contacted me back. Now the loan is paid off and I am still fighting with them to audit my account as I believe they overcharged me and owe me money in return as there were payments made that were never credited to my loan. I was told by the final person that was supposed to help me that it looked as if I was ahead and to not bother having an audit as I may end up owing more than they are showing and to be happy with the balance due although they could not put it on paper to show me a proper print out of the payments.
I submitted a request for a free annual credit report from XXXX via the XXXX website. However, the site tells me that I need to mail in copies of my social security card, driver 's license, XXXX info, etc. in order for me to receive a paper copy of the report. What 's the point in having an online service if you ca n't receive the report online. Further, sending all that personal information through the mail invites identity theft.
I started experiencing some difficulties using my Chase United Mileage Plus credit card. I called Chase and the response was that their affiliates decided to end relationships with me. This happened to be years ago with my chase checking and savings account. While on vacation my cards no longer worked and when I called chase, I received this very same response. This time I 'm furious. I was approved for a credit card through Chase, thinking whatever mistake they 've made in the past was just a mistake. Excited about using Chase again, I 've spent XXXX of dollars using my new credit card, I 've spent money for the benefit of obtaining extra bonus miles, now my account is closed without being notified, and my mileage is no where to be found. Please help me understand what 's going on.
I received a copy of a forbearance plan that caliber home loans put together on XX/XX/XXXX. 
I called and spoke with caliber home loans on XX/XX/XXXX about some additional details with the loan. 
I sent the letter off at the post office in XXXX XXXX, OK with the provided envelope from caliber home loans. The letter was going to XXXX XXXX. ( Is a 2 day delivery time with USPS. ) I called caliber home loans on XX/XX/XXXX, to see  what the status was and to see if they have received the letter. 
The CSR indicated that they have not and informed me that sending a letter takes 7 to 10 business days. 

Knowing that I received it on XX/XX/XXXX and sent it out the following day and the postal standards indicated by the caliber CSR then I would not have had enough time to get this to them with the provided postage. 

I asked the CSR if he could send me another copy of it, and he stated he would, after belittling me about not making copies of it. He also stated that it may take 24 hours. 

I feel that throughout this whole forbearance process, that caliber has not treated me fairly and I feel that they have intentionally held the process up for whatever reason they have had.
I filed an online dispute with TransUnion concerning a debt placed onto my credit file by XXXX XXXX XXXX. I was not able to upload documents to prove my case because of an incredible amount of character restrictions not allowed on documents by this companies arcane computer program. When the dispute came back that the debt was verified, I then mailed my documents to Transunion to prove my case. XXXX again the results were not in my favor. When I tried to call to speak with a live representative, I was redirected to file the complaint online. It is my strong belief that a proper investigation was not conducted on my behalf. The documentation provided to TransUnion was very strong evidence that XXXX XXXX XXXX was wrong on their filings against me.
Barclays Bank Delaware XXXX XXXX XXXX XXXX, XXXX DE, XXXX ) has twice in a years time issued a credit card fraudulently in my name to thieves, after contacting XXXX my credit score, XXXX whom I had requested a credit freeze. Additionally, they substituted the phone numbers of the thieves for my contact telephone number into my personal information XXXX. This was just descovered in XXXX while monitoring my credit reports. Finally, after being notified by phone, by mail and by XXXX, they have not removed the fraudlent account from my credit file XXXX after 8 months! XXXX. Please investigate Barclays Bank which appears to be fraudulent themselves.
Equifax previously made changes to this account and without merit, please see the associated case number. 

Equifax is making changes to my credit report without any trace-ability, and failing to publish or notify me of their decision to continually and manually, update my record. 

As a result of Equifax updating this account, the ACCOUNT TYPE has become inaccurate. 

1. This is a XXXX XXXX - XXXX Account - Credit Card. 
2. Equifax updated this to be a XXXX Card, and with no substantiation3. Attached is the screen shot of the before, and then after state of this account4. Changes ( including changes to text and the account type XXXX have been made by Equifax1. Equifax, please revert this account back to it accurate assignment for the ACCOUNT TYPE2. Any Changes to this record, please respond in line with FCRA and send me by way of XXXX XXXX Mail, such results/reasons for your change.
I am attempting to close a refinancing on a property pursuant to a divorce buy-out. My ex-husband is still on title to the property, but will not be on the refinancing mortgage, this is not his primary dwelling ( not since 2005 ), and he will be removed from the deed when proceeds are received from the refinancing. 
Capital One is requiring closing disclosures to be sent to ex-husband under 12 CFR 1026.17 ( d ) on the belief that XXXX XXXX has a right to rescind under 12 CFR 1026.23. I feel this disclosure is my confidential information that should not be shared. 
Capital One is prepared to tell ex-husband that he has a right to rescind my refinancing solely on the basis that he is on title to the financed property, since he is not a party to the mortgage refinancing, and the security interest is not being taken in his principal residence/home. 
Does Capital One have a right to disclose the information? I do not believe so because no security interest is being taken in his principal dwelling when reading the definition of " consumer '' below, i.e., he has no right to rescind. The rules further state that a person can only have XXXX principal dwelling, and ex-husband 's is not the property to be financed. 

2 ( a ) ( 11 ) Consumer1. Scope. Guarantors, endorsers, and sureties are not generally consumers for purposes of the regulation, but they may be entitled to rescind under certain circumstances and they may have certain rights if they are obligated on credit card plans. 
2. Rescission rules. For purposes of rescission under 1026.15 and 1026.23, a consumer includes any natural person whose ownership interest in his or her principal dwelling is subject to the risk of loss. Thus, if a security interest is taken in A 's ownership interest in a house and that house is A 's principal dwelling, A is a consumer for purposes of rescission, even if A is not liable, either primarily or secondarily, on the underlying consumer credit transaction. An ownership interest does not include, for example, leaseholds or inchoate rights, such as dower. 
I look forward to a resolution with Capital One to proceed. 
Thank you, XXXX XXXX
Vrituoso Sourcing Group has been calling me almost every day and a lot of times between XXXX and just before XXXX. 
On one of the instances, I answered the phone asking if they knew what time it was. One time I waited for an answer and was told that it was XXXXsomething. I replied that that it was XXXXsomething and hung up. The number is showing as XXXX, MD. The 3 hour time difference shows that theyre calling from the West Coast and not the East Coast. Im in Hawaii. On XXXX-XXXX-19, I called the number back and informed them that I was going to report them for harassment and calling too early in the morning. The woman said that there was nothing wrong or illegal about calling that early. While I was trying to speak, she talked over me saying that she would remove me from the list and hung up on me.
I have a 35 year old CD ( Issue date XXXX XXXX, 1980, initial deposit amount of {$200.00} and 12 % a year ) and I need help accessing the funds. The CD is in my great grandfather and great grandmother 's name ( XXXX. XXXX or XXXX XXXX XXXX ) and the issuing bank has been acquired multiple times in the last 35 years. The initial bank was XXXX, according to the FDIC 's website, after a string of acquisitions, the current institution is HSBC Bank USA , National Association. Please contact me with the best possible action to take to get access to the funds. Thank you.
XXXX XXXX, account number XXXX is wrongfully appearing on XXXX, Transunion and XXXX credit bureau reports.I opened the account in XXXX of 2015. 
The payments made for this account were for usage and a XXXX XXXX XXXX phone. 
All payments were made on time because I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep. , settling the account.He tried to sell me a newer phone, a newer XXXX for $ XXXX.I said I WASN'T INTERESTED but there was Sales Persistence.Finally he said we will cancel everything and I WILL NOT BE CHARGED.I kept the same phone number and transferred it to XXXX XXXX. 
This entire account is fraudulent.I owe nothing.
Carrington Mortgage Company was sent a payment on XX/XX/2016 from XXXX, XXXX XXXX, however continuously called and harass for a payment that was already received. When I spoke with the representative on XX/XX/2016, I was told they did n't receive the payment for XX/XX/XXXX from XXXX, XXXX XXXX XXXX and that was XXXX 's payment they received for XX/XX/XXXX of {$1300.00}. Carrington XXXX has placed negative remarks on my and my wife 's credit report for XX/XX/2016, and XX/XX/2016 for XXXX problems that were not our fault as too why the payment was late. XX/XX/XXXX 's payment was late due the banking error that they admitted to in a letter that was sent us. I faxed the letter to Carrington and was told no negative remark or late payments will be reported to the credit bureau after speaking with the Manager. XX/XX/2016 payment was late due thier website, we attempted to make a payment several timesmall online but their website would not accept one. We called to get assistance from customer service but was unsuccessful due to the lack of support, inaccurate information being given, and u professionalism not given. When we finally decided to just pay from the checking account their system had a clitch in it and we were held at fault for thier mistakes. Carrington 's website does not function properly and encourages customers to use XXXX however when you attempt to use XXXX, issues such as now occur. The customer service is very unprofessional and rude. When you ask to speak with a manager they place you hold for long durations or disconnect the converstaion. Carrington Mortgage needs to be investigated for fraud and damaging people credit for no reason to lock them in to the loan to prevent them from refinancing with someone else.
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). 

The lender was provided all docs needed for the loan mod review to be completed and are refusing to complete the review - the lender has also not allowed the time needed to appeal any decision of the review that is required by REG X
For the 3rd time in the last 12 months my Target Red Card was charged with a late fee. In each instance, I was able to demonstrate that the payment arrived on the due date or the day before. This most recent occurrence my payment was due on the XXXX of XXXX. I paid off the balance as I usually due each month. The payment was scheduled online through my bank. When I received the next months ' bill Target was billing me for the late fee and a dollar or so of interest. Working with my bank I was able to demonstrate that the payment arrived at the post office at XXXX in XXXX TX where the bill is to be sent. When I called Target about this they said that I should make my payment earlier because late fees are assessed for payments that are n't processed on time. They 've agreed to remove the charges again. Based on my experience it seems likely they will do this to anyone whose check is received on the due date. If this is not grounds for you to investigate please let me know. I believe it is fraudulent and actionable.
I have never resided in XXXX Il or XXXX Il ... I have only resided in XXXX Il since 1995
Home Depot closed my credit card in XX/XX/XXXX due to inactivity. I did not receive any notification of this closing. I contacted Home Depot to reactivate my card and now they are unable to do so. I feel this is very unfair as I have no late payments or negative history with them. Please make sure you keep you card active or they will just close you down and offer no further solutions.
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
On  XXXX   XXXX  I received a SIF offer letter where at the bottom it said I could dispute debt. I disputed the debt and the very next day I received a threatening call.  XXXX   XXXX  just called me at  XXXX  on  XXXX  the  XXXX . The day after I disputed to debt. He threatened to add this collection to my credit report. He told me that I had to prove this debt was n't mine and proceeded to tell me that he had been in the collection business for 7 years and 100 % of the time the person says they do n't recognize the debt. I told him because you are the collection agency you need to provide proof that this debt is mine. I went  to US ban k and they said there was no debt. As the creditor it is your responsibility to send verification of debt when I ask for it.
I had a debt with Synchrony Bank {$570.00} and the bank ordered XXXX XXXX XXXX XXXX to collect the debt. Synchrony Bank accepted a settlement I offered {$300.00} and I paid it in the time manner. One month after the Synchrony Bank ordered another debt collector XXXX XXXX XXXX to collect the rest {$270.00}. 
I explained to to the last collector that I already paid my debt through the settlement and I sent them all documents. XXXX/XXXX/2016 they made a report on my credit. 

Synchrony Bank already accepted the settlement.
On XX/XX/2017 I deferred my student loans with Nelnet to avoid any late payments while my payments where being recalculated we went back and forth many times they had lost paperwork and and not contacted me back. I was during this time in deferment. But to my surprise my credit is showing late payments from XX/XX/2017 through XX/XX/2017! I need this off my credit immediately due to Nelnets error and faulty reporting to the credit bureau.