WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that Capital One has submitted to all three major credit bureaus ( XXXX, XXXX, XXXX ), XXXX XXXX, and potentially other credit reporting agencies.
In the past, I have disputed and requested " verification of debt/records '' from Capital One and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws.
The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX  As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the Capital One 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though Capital One has ignored my requests - and violated consumer protection laws.
To help resolve the situation, I am requesting that Capital One provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that Capital One has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A summary of the communications Capital One has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken Capital One many months if not years to respond to simple letters and requests.
Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.
I WENT TO AN ATM MACHINE ON XX/XX/2019 AND TRIED TO GET {$220.00} AND THE MACHINE DID NOT DISPENSE THE MONEY. I ASKED THE CASHIER IF THEY STILL HAD NOT PUT ANY MONEY IN THE MACHINE SINCE I HAD GONE A DAY PRIOR AND I WAS TOLD IT DIDN'T HAVE ANY MONEY, SHE RESPONDED YES A TECHNICIAN CAME AND PUT MONEY IN IT. I ASSUMED THAT MAYBE I DID SOMETHING WRONG AND I TRIED AGAIN FOR THE {$220.00} AND IT STILL DIDN'T GIVE ME THE MONEY. I MENTIONED TO THE CASHIER THAT IT DIDN'T GIVE ME ANY MONEY SHE TOLD ME THAT SHE BELIEVED THAT THE TECHNICIAN PROBABLY DID SOMETHING WRONG BECAUSE THERE WAS OTHER CUSTOMERS COMPLAINING THEY COULD'NT WITHDRAW MONEY AS WELL. LATER THAT DAY I TRIED TO SEE HOW MUCH MONEY I HAD LEFT IN MY AMERICAN EXPRESS CARD AND I WAS MISSING MONEY, SO WHEN I LOOKED INTO MY TRANSACTION I WAS SEEING THAT IT WAS SHOWING THAT I DEDUCTED TWICE THE {$220.00} WHEN I NEVER GOT MY MONEY DISPENSED FROM THE ATM MACHINE. I CALLED THE ATM COMPANY AND TOLD THEM ABOUT THE PROBLEM THAT THE MONEY WAS NEVER DISPENSED HE ASKED ME FOR THE AMOUNT AND THE LAST FOUR OF MY CREDIT CARD NUMBER, WHEN I PROVIDED HIM WITH THIS INFORMATION HE TOLD ME THAT IN FACT THEY HAD A PROBLEM BUT THAT THE MONEY WAS ALREADY IN REVERSAL THAT I SHOULD RECEIVE MY MONEY IN 24 TO 48 HOURS AND IT NEVER HAPPENED. IN THE MEANTIME I ALSO CALLED THE AMERICAN EXPRESS CARD AND PUT A DISPUTE FOR THE MONEY SO I FAXED THEM THE DISPUTE FORM EXPLAINING ALL THE PROBLEM AND THEY TOLD ME THEY WERE GOING TO INVESTIGATE. I RECEIVED A RESPONSE FROM AMERICAN EXPRESS SUPPOSEDLY THAT THEY MADE THE INVESTIGATION AND THAT SUPPOSEDLY THE ATM PROVIDER CONFIRMED THE FUNDS WERE DISPENSED. I GOT VERY UPSET SO I CALLED THE ATM COMPANY AGAIN AND TOLD THEM WHAT AMERICAN EXPRESS HAD TOLD ME AND THEY SAID THAT NO THAT THE MONEY WAS IN REVERSAL, SO I ASKED THEM TO SEND ME PROOF OF THAT SO I COULD SHOW AMERICAN EXPRESS SO I CAN GET MY MONEY SO WHEN I CALLED AMERICAN EXPRESS THEY WANTED ME TO DO ANOTHER DISPUTE WHICH IS REALLY UPSETTING BECAUSE THEY ARE TAKING ALONG TIME AND I REALLY NEED MY MONEY. I WOULD REALLY APPRECIATE IF YOU CAN ALL HELP ME.
On XX/XX/XXXX, Freedom Mortgage sent my property tax payment from my escrow account. The county did not receive the check that was sent so I called Freedom mortgage on or about XX/XX/XXXX to check into it and notify them that my property tax was due by XX/XX/XXXX or I would incur a penalty fee. Freedom Mortgage assured me that they would cover the penalty fee from their own money. On XX/XX/XXXX I called Freedom Mortgage and an investigation was opened. They put a rush on the investigation. I called them back on XX/XX/XXXX and they told me that a check was issued and gave me the reference #. On XX/XX/XXXX, I spoke to the county and they never received the check. So I called Freedom Mortgage again and I was told by the customer service rep that the county received the check on XX/XX/XXXX ( she could not confirm to me how she knew that the county received the check ). She told me they did n't cash it yet. I called the county again and they said they never received or cashed a check for my taxes. On XX/XX/XXXX, I spoke with a manager that said a new check to the county was issued on XX/XX/XXXX. I asked her why the lady I spoke with on XX/XX/XXXX told me the county received a check on XX/XX/XXXX ( although a check was never sent ). She told me she did n't know but would review the call and use it as a training call. She told me the new check on XX/XX/XXXX was shipped via XXXX. I called the county today XX/XX/XXXX and they still have not received the check. So once again, I called Freedom Mortgage and asked to speak the same manager who I spoke to on XX/XX/XXXX. After being put on hold for a while, the customer service rep came back on the phone and said the manager told her what was going on and if I still wanted to talk to the manager she would talk to me but she saw a check issued on XX/XX/XXXX to the county and XX/XX/XXXX. I asked her why was there 2 checks sent and she did n't know. So I immediately demanded to talk to the manager. The manager explained to me that something was wrong with the check sent on XX/XX/XXXX, so they had to cancel it and re-issue another check to the county on XX/XX/XXXX. I asked her for the XXXX tracking # and she did n't know it but would " try '' to get it. I demanded that she get me the tracking # and call me when it. This has now been going on for almost 2 month. I have been told a number of different stories by different customer service reps. Most of them have turned out to not be true. My taxes are still outstanding and a penalty fee has been assessed to my account.
I was contacted by Premiere Student Loan Center of California, in XX/XX/XXXX, offering to look at all of my student loan debt and see if I was eligible for any student loan forgiveness. I am a XXXX so I do not remember if they knew that or I mentioned that, but we got on the track of XXXX at a low income / non profit XXXX and they got back to me in XX/XX/XXXX stating they would be sending a form to me to fill out to verify this was indeed the institution where I XXXX. They asked for upfront the following payments that I completed from my back listed above. 

XX/XX/XXXX payment of {$240.00} and XX/XX/XXXX payment of {$240.00} and XX/XX/XXXX payment of {$240.00} and XX/XX/XXXX payment of {$240.00}. Then they assured me the repayment plan would be this : 120 payments ( monthly totaling ten years ) of {$30.00} to THEM ( not my student loan company which is XXXX ( totaling {$180000.00} ) starting  XX/XX/XXXX {$30.00} every month until XX/XX/XXXX. 
When you go to their website they are VERY misleading when they show at the bottom of their page XXXX approval XXXX, which implies they are XXXX   accredited but when you go to XXXX  site they flat out state that Premiere Student Loan Center is NOT XXXX accredited. 
Now I returned to XXXX University XX/XX/XXXX to finish my XXXX and my actual student loans, at XXXX, were put on an in-school deferment status. But Premiere Student Loan Center still collected. I found out today, from XXXX ( XXXX - conversation was recorded ) that they did receive a form in XX/XX/XXXX showing I do XXXX a nonprofit XXXX and therefore AM eligible for student loan forgiveness, but she assured me based on my income and family size my ACTUAL repayment is {$0.00} for 120 months. Repayment with my actual loan servicer XXXX has NOT yet gone into effect ; they have not received XXXX XXXX  from any of the monthly payments I have been paying to Premiere. The {$1000.00} ( 4 initial payments of XXXX ) was explained to 'process ' the paper work. This is a scam. XXXX also informed me today ( from XXXX ) that as of XX/XX/XXXX my account went into forbearance status. This was put into place by Premiere so that I would not be contacted by XXXX. All this time I thought these {$30.00} payments were towards my repayment plan to have {$170000.00} in student loan debt forgiven. Come to find out Premiere was just pocketing these payments. 
Please advise as to what my next step should be to either get back any of that money I sent them, or to at least help spread the word so that this company does not scam any more honest hardworking XXXX. XXXX XXXX XXXX
I saw an article that Donald Trump proclaimed this week as National Consumer Protection Week so I decided to check my credit. I currently have a Capital One card that I opened in XX/XX/XXXX and is in good standing with no late payments. I noticed another account that I previously had was marked past due with the following late payments : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I had thought I made my payments on time and didn't realize I was ever late.
I 've asked that information in my credit file be verified and validated under the FCRA and still the credit bearu has failed to do so and still reporting errors as of date. I havent received any documents supporting they have verified any information method used who verified nor how they verified the information being reported.
I went in to Cash Max, located at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX, TX XXXX on Wednesday, XXXX XXXX, 2015 for a {$350.00} title loan, and per rights granted to me by law, went in XXXX days later on Saturday, XXXX XXXX, 2015 to pay it off and cancel the loan free from any fees. However, when I went in to cancel the loan, I was charged an additional fee of {$28.00}. So although I was within the 3 day period to cancel, they charged me additional fees, and did not have my title.
They have called me before XXXX, called my family member 's saying they are looking for a reference but its to collect a debt, and I asked them to send me in writting about my student loan. 

Last week I got a letter XXXX witj XXXX logo that my wages were going to be garnished. I called the number and it was the harassing Pioneer Credit Recovery. 

I said I thought this was to get caught up on my loan directly to the government not a debt collect and they put me on hold.
Credco, Has lied in its response! It also has failed to provide a timely response to supply me with my file data it is currently providing to its subscribers in nanoseconds digitally! Credco has requested 60 days to reply and send my data file as a stall tactic! It is sending, sharing and distributing false data about my private, personal finances and other PII without my authorization to anyone that asks, and self-states they have a legitimate purpose for requesting the data. Credco does this without auditable verifying procedures or processes to prove the legitimacy of their subscribers purposes. They do not verify whether or not their subscribers indeed have been authorized by the consumer to receive the consumer 's PII. Further, Credco describes themselves as a data aggregator they're just a provider of information from other sources and will not be held accountable for the accuracy of the information they provide to anyone asking for consumer 's PII. They are harming consumers and have harmed me by providing fake, false and inaccurate information to their subscribers. Credco provides this information without providing a reasonable process that doesn't further violate the consumer 's rights to protect their signatures from Credco 's wholesaling of the consumer 's signature to its subscribers as yet another data point for sale. Credco is a corrupt organization morally absent of any integrity or ethics for ensuring any degree of accuracy in the PII data it shares is actually accurate. It perpetuates the selling of false, fake and unverifiable information without consequence and against both CA State consumer data privacy and protection laws and Federal consumer protection laws.

It is ridiculous for the CFPB to allow this corrupt CREDCO organization to get away with its delay tactics when it is providing daily false information in nanoseconds electronically to anyone that asks about my information. CREDCO 's conduct must be investigated. It is my expectation that CFBP will do its mandated job and require CREDCO to send me my data file including all data sources, sharing and selling to whom, when, what, why and where of all of my data right now and without further stall tactics and delays. CREDCO must be held to account and forced to release my information immediately as it does electronically to its subscribers daily. No further delays should granted to Credco.

This stall tactic of requesting 60 days is a fake stall tactic. This company is providing fraudulent information that is harming my life daily. It can and does provide my PII data file to any one that asks and subscribes to its fees instantly and electronically.

PLEASE DEMAND the Corrupt CREDCO to provide my file as requested!
I traded my XXXX XXXX to XXXX XXXX in Virginia. The dealer issued a payoff to Wells Fargo Dealer Services on XXXX/XXXX/XXXX, mailed it overnight on XXXX/XXXX/XXXX, and it was received by Wells Fargo on XXXX/XXXX/XXXX. Tracking information verified this through the dealer. I contacted Wells Fargo on XXXX/XXXX/XXXX to determine why my vehicle still does not show paid off. I provided tracking info with the address and the information. I was told there was nothing they could do and I needed to wait longer. I am already late on the payment now that was due on XXXX/XXXX/XXXX and the late fees will begin on XXXX/XXXX/XXXX. This loan should have shown as paid in full on time on XXXX/XXXX/XXXX. They also could have had a processing error, but the representative should have opened up a case or investigation to track down the funds. I have done all that I can do to prove that the payment is there, but they have n't processed it.
Portfolio Recovery continues to report an account to my credit report as " Disputed '' even though I have informed them ( see attached letter dated XXXX/XXXX/16 ) that this account is no longer disputed and requested that they remove this status from my credit report ; I am attempting to obtain a mortgage and this dispute status is preventing me from qualifying.
There are several Inquiries on my Experian Credit Report, I have spoken with both the Credit Bureau and Original Creditors but have not been helped. I have continuously been bounce back and forth between the companies and Credit Bureaus. This is unacceptable and I would like all inquiries removed ( as they are all duplicates ).
account was used under my name and wells fargo seems to be unwilling to get it taken care of ... charged me fees and made me make payments ... also continue to report to credit bureaus ... i 'm even wondering if I even applied for it after all the information that has come to light ... they will not asset or even listen.. they need to be investigated and find millions I know Im not the only XXXX to be singled out for them to be able to bill fees and take advantage
On or around XXXX/2015 received call from this company ERC stating I owed XXXX on a XXXX XXXX cable bill. I thought company sounded suspicious so I told them that I would not pay over the phone with them but I would call XXXX XXXX and pay them.
I was later told by rep. for ERC that I should have paid ERC. and so now it reflex derogatory mark on my report and score which I 'm trying to repair. Can you help get this mark of report?
MAVERICK FINANCE PAID IN FULL DELETED THAN REINSERTED. IT WAS TAKEN OFF THE BUREAUS THAN PUT BACK ON. XXXX ITS BEEN PAID
I have a medical bill from my    XXXX   XXXX   . I am the insurer I always put myself as the responsible party. I asked the company to stop calling because we have a lot going on after a couple of deaths in our family. Now they are sending bills in my husbands name. I called them and they apparently know the law ... not so much. I work for a financial institution that is serious about deceptive practices and refuse to be bullied by this company and have my husbands name tarnished. I have never had anyone say they will send mail to my husband if I do n't pay my medical bills. This is also third party disclosure. Using your emergency contact to get a bill paid is really bad. I do n't have a problem paying I have a problem with deceptive practices  XXXX   XXXX     XXXX    XXXX   XXXX   XXXX    XXXX  Tn  XXXX .  Call date  X/X/17    amount {$250.00}.
The statements are intentionally confusing and do not detail differences in payments due for purchases vs. balance transfers. They then charges interest on the purchases since the min payment ( not clear ) on the 0 % balance was not met. This is intentially misleading.
Equifax has continually and consistently failed miserably at maintaining any sense of accuracy, correctness, or fairness with regard to maintaining my credit report. 

During the course of the calendar year XXXX and eight months into the calendar year XXXX, I have disputed the incorrect reporting of duplicate accounts from XXXX XXXX directly with Equifax via mail, certified mail, and online via their customer portal. All attempts have failed, without any reasonable research, effort or response beyond the standard automated response from Equifax. 

The amounts being reported incorrectly are {$3000.00} on one entry and {$0.00} on a second. Both contain multiple inaccuracies, along with information that is simply wrong! These entries and inaccuracies are causing me many issues when trying to gain new credit or extend existing terms. This is not only wrong but illegal!
I noticed several inquiries that had been deleted reappear on my credit report and double report. I called transunion customer service and explained several inquiries are showing up on credit report that were gone. After she explained she could not help me i asked for a supervisor and after a long hold was disconnected.
I made a payment to XXXX of my store cards while speaking with a representative. She confirmed the payment and said that it successfully posted only to learn a month later, she 'd transposed a number. The payment never posted and I never got any notification. Her error resulted in them closing my account. The company acknowledged the mistake, promised to research and fix the problem but never did. Months after, I made a autodraft payment arrangement to clear the debt. Only XXXX payment posted and now the debt has been sold to a collection agency with additional fees on the debt.
Paid of f Citi Diamond pr eferred credit card balance in  XXXX   XXXX . Have not used card for purchases in years nor have I enrolled in any Payment  Protection Plan  or auto pay. In  XXXX   XXXX   Citi  Bank auto withdrew {$28.00} from my checking account and emailed me stating that my online statement was available and that my next bill was due on  XXXX   XXXX   XXXX . As I write this I have been transferred to  10 times to 10 different people at Citi Bank in 3 hou rs time. No one can explain why there are {$850.00} in charges on my account and why after 2 years I am now being charged {$28.00} per month.  One  person told me it was fraudulent charges but cant tell me what they are, another told me it was Payment Plan charges, another told me it was because they have my address wrong. I cant even access the account online any longer to see what the charges are. They are asking me to write a letter explaining what I have tol d 10 people an d then they will look into my account because they do n't have access to my account before  XXXX  received a letter a couple of years ago stating I was part of a class action lawsuit regarding being charged for products I did n't sigh up for with  Citi  I have now been on hold for 58 minutes and counting. Ok  11  people and they just disconnected me.
I was not aware that a judgment has been placed to our house until we applied for a refinance of the house. What happened was XXXX XXXX XXXX offered me a service to be able to accept credit cards as payments for my business. I agreed to it and signed the contract but after a few days I found out that there were more fees to pay each that was not told during the presentation. So I cancelled it right away but they won't let me. I didn't even get a chance to touch or use their device. They kept harassing us to pay for a year contract but I told them that I'm not paying for it. Little did I know that on XX/XX/XXXX a judgment of {$1500.00} was against me in favor of XXXX XXXX XXXX. 

Because we want to proceed to the closing of the loan the Title Company tried to contact XXXX XXXX XXXX but was unable to locate them anymore. After a lengthy research they found that it is now handled by the XXXX XXXX. So the XXXX XXXX  XXXX XXXX immediately reached out to the XXXX XXXX to get the payoff amount but to no avail. The XXXX XXXX  XXXX XXXX have reached out to XXXX XXXX 10 times between XX/XX/XXXX and XX/XX/XXXX. They have talked to several contacts on several dates and did not get the payoff needed. We are unable to move forward without a payoff from XXXX XXXX. I myself attempted to call several times and the same result. It's costing us more due to the interest lock in had expired. 

I need your help please!! My case number XXXX and the XXXX XXXX phone # XXXX. The last contact made by the Title Co. was on XX/XX/XXXX and was transferred to lien specialist at Ext XXXX, spoke with XXXX and my name was provided and she stated that she didn't remember seeing that account but will review the request and will get to us as soon as possible.
A credit was ran on me through a credit union on XXXX2017 I have neither gave permission nor did I apply for any loan.
A 1000 dollar check was deposited into my checking account. I had call chase to cancel the check and not process the check but was not able to do anything about it and resulted in me paying double the amount.
I had a accident on XX/XX/XXXX and injured my XXXX and XXXX. I was being treated by a couple of doctors and hospitals. I returned to school after having XXXX XXXX with XXXX XXXX XXXX, and they sent me home, but I couldn't work for 9 years. I was supported by Public assistance. I submitted all my doctors papers to XXXX XXXX and Navient to get my payment discharged, but they only put me on forbearance and deferment plans. In XX/XX/XXXX I started to work part-time and they took my income tax check. I called the student loan ombudsman, and he made them return my income tax money, but never fixed the problem. Since this incident, i was a single mother on low income, but Navient and XXXX XXXX kept increasing the interest. On XX/XX/XXXX, I received an e-mail from a company saying that they we're the U.S. Dept. Of Education, XXXX. XXXX XXXX, XXXX, TX XXXX, stating that I have 15 days to send all papers stating your dispute. I sent all of my doctors papers to them, then received papers from a company called XXXX XXXX XXXX. with an extra {$6100.00} added on that I never heard of. They also claimed that the papers arrived late, which wasn't true.