WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX18, I paid off the entire balance of my Capital One Visa card in the amount of {$7600.00}. I made my payment before the due date of XX/XX/XXXX18. On 1XX/XX/XXXX18, I received a bill from Capital One for {$93.00} for more interest. I called and spoke to a representative and a supervisor on 1XX/XX/XXXX18 regarding this additional interest. I explained that I was previously a party to a class action lawsuit against another credit card company regarding this practice in which the court ruled against the credit card company. Since that time, I have seen several news stories reporting that this practice was illegal. Capital One refused to take this interest charge off of my bill, so I advised them that I would be filing a complaint.
Equifax is reporting unverified accounts on m y credit report. This is in violation of the Fair Credit Reporting Actm Section 609
I wrote a check at my optometrist for glasses and they ran the check through Cross-Check for verification. The check came back declined, not for lack of funds, or bad check history, but the optometrist thought it was because the check number was too low. There is more than sufficient funds in the account. I contacted Cross-Check and you can not get a live person. I filled out a request for a credit report and reason and the report came and said : " Cross Check has detected no negative data regarding you or your check writing history. In addition, CrossCheck did not access any other source in evaluating whether to approve your check. Rather, in this instance, CrossCheck decided not to bear the risk of your check 's dishonor based solely on industry parameters that CrossCheck established. " This basically said that the industry parameters are their own and the declined the check because they felt like it. If it is indeed because the check number was too low ( although they did n't say so ) what should I do, throw out all my checks and start at XXXX? They have not given me a reason why I was forced to use a credit card. Will this random and arbitrary event happen again? This is outrageous. It 's also embarrassing to be told in public with lots of people around that your check was declined. They should not be able to make this determination without a real reason.
Target continues to report outdated information to the credit bureaus. In XXXX my delinquent account was closed and enrolled in a repayment plan, later the creditor charged off the account in XXXX due to filing bankruptcy XXXX. The records of when the account began delinquency are outdated and have been archived so the creditor continues to verify the beginning of delinquency as the charge off date
I sent Equifax a dispute via certified mail on XX/XX/XXXX they received it on XX/XX/XXXX as of today, XXXX, they have yet to notify my about status of my dispute. when I get on their web site to check status, it says ( dispute date XX/XX/XXXX -- -- -completion date XXXX ), but when you go to results, there nothing there. as it has been over 30 days I have tried to call, but ca n't get a real person on phone. dispute is about reporting of child support. I contend that said child support should be removed as report date is over 15 years ago, ( XX/XX/XXXX ) ..I also called the state of Missouri, as this is where these XXXX child support cases come from. Missouri says that they are NOT reporting this as it is not their policy to do so on cases this old, especially since we made payment arrangements years ago, as they have been garnishing my pension and social security each month. my obligation with Missouri, per our payment agreement will paid in full by XX/XX/XXXX. it was my request to Equifax , that these XXXX items be removed, as they are over 15 years old and that these cases are closed. I have been working hard to resolve this matter with Missouri, and with all parties involved as I have been trying to repair my credit score, due to XXXX broken relationships, a few bad decisions on my part. please have them remove, as the way I read the guidelines, that these should have been removed long ago. I am no lawyer, so this is why I am turning to you for help. a person should not be persecuted for a few financial hard times out my control, such as layoffs, injuries, ect. the damage has been done, but years of reporting old cases by the credit reporting companies, serves no purpose but to keep a persons numbers down, so that banks and other loaning institutions may jack up interest rates. looks like coercion to me ... ... thanks
Hello, I would like to draw attention towards Portfolio Recovery and how they have hounded my cell phone voicemail with unnecessary and bogus voicemails with machine robots regarding a XXXX XXXX debt i supposedly owe. I have notififed XXXX XXXX and XXXX XXXX that there was fraudulent activity on my account and that the charged were not made by me. Portfolio Recovery refuses to acknowledge anything I am saying and they continue to tarnish my credit report and attack me and I feel abused and isolated by them. They send me scary letters and keep updating my credit report with false information. I have already frozen all XXXX of my credit reports due to check cashing fraud down against me in XXXX of 2015. My identity was duplicated for some time under a false address and I was unaware as charges lingered. I have been forced to seek bankruptcy counseling and I have no connection to this XXXX XXXX debt that Portfolio Keeps stalking me about. XXXX XXXX is aware of the fraud against me and have closed out my account and I believe that this company is ignoring the FDCPA laws and the FCRA laws and are not verified or dfdeting this fraudulent account against me in order to scare me or hurt me. I would like the CFPB to know that they utilize robotic dialing at XXXX hours and have denied it when I have sent them certified letters asking them to STOP! I do not owe this debt and they have NO right to display ANYTHING under my social security number or on any of my XXXX credit reports! Please have them STOP an have the LEAVE ME ALONE! I have tried fighting this fraudulent account with the XXXX credit bureaus but they all have supposedly verified it and yet U HAVE NO PROOF of an investigation, the results i requested or any ducmonotaion which I forwarded regarding my identity theft was submitted to XXXX XXXX or Portfolio. I am sick and tired of this company abusing me!
CBC Innovis/First direct Lending I have tried working with my creditor in regards to an Inquiry. I have disputed Inquiries twice with the bureaus and extended the process two times, 30 days each time. The bureaus have sent letters to me saying to dispute it with my creditor. I have not had any responses from the creditor. My creditor has not responded to my letters. Therefore, I have reached an impasse with the creditor and need your help.
I have disputed an XXXX XXXX account # XXXX. This account was a fraudulent account due to identity theft. I have file a police report and have mail it certified mail to XXXX. I have also called multiple times about this fraudulent account. They have remove the account initially, but now the account has later been reported back on my credit file.
I received a call on XX/XX/2018 approximately XXXX XXXX, in regards to someone who has used me as a reference on a loan. This company has called me previously and I told them that I can give them a one time message. So today, they called and I explained that I have nothing to do with this and please do not call me again. The caller named XXXX proceeded to argue with me and tell me that because I was used as a reference they can continue to call me and they will unless I provide updated contact info on the person they're trying to reach. I then proceeded to tell them that I will have my attorney call them for them cease and desist from calling me. I explained that I have nothing to do with the debt and that I am not the one who they should be calling. He repeatedly told me that because I was put down as a reference.
During the evening on XX/XX/2016 while in XXXX XXXX I was approached by a mall vendor concerning the purchase of women 's moisturizers. Though I had no intention of purchasing that evening I did agree to make an an appointment for the next day. My card was used to 'hold ' the appointment with a vendor. However, on the morning of XX/XX/2016 I decided to cancel the appointment and called the vendor to inform them of the cancelation. I was told no appointments had been scheduled yet and they confirmed that no charges would be posted to my card. Just to make sure, I also phoned my credit card company, Barclay/XXXX the same day, to advise them of a possible charge of {$320.00}, that was not authorized. At that time Barclay informed me the charge had not appeared and that a 'flag ' would be posted regarding my call. However, upon receiving my XX/XX/XXXX credit card statement the charge WAS posted to my account. I called Barclay XXXX and was advised to begin the process of dispute resolution. 

Since then I have written several letters to no satisfaction and am now filing my complaint with the CFPB concerning this charge and credit card company 's handling of the situation. I have requested my account be closed since finding my credit rating has been effected by approximately an XXXX point drop along with interest charges over {$230.00}. I would like resolution of this unauthorized charge and information on how to correct this " failure to pay '' posting on my XXXX /credit rankings. Before this occurred, my rating was in the XXXX. thank you
Company =  Nelnet.    XXXX  My husband is  XXXX   XXXX  military. We married while I was attending the school for which these loans were obtained. The loans are at a 6.75 % interest rate. I would like to have the loans reduced to 6.0 % per the  Servicemembers Civil Relief Act. We contacted Nelnet on   XXXX  at  XXXX , they informed us that spouses are not eligible. However, on the  SCRA we bsite it notes that all dependents are eligible. Thank you for your help.
I have written to this company SEVERAL times and have asked for VALIDATION on this account. The company keeps sending me a BILL from XXXX, but they will NOT acknowledge that I am asking for original contract paperwork to ensure this is truly my debt. I want this account REMOVED from my credit file. They keep updating as the dispute is resolved and consumer isn't in agreement.
XXXX lower my score by 79 points with no reason. 
Transunion lower my credit score by 73 points with no reason.
XXXX was reinserted back onto my Traunsunion Credit file. This account was previously deleted and needs to be removed immediately BecAuse the account is not mines.
Several inquiries are on my credit report with out my knowledge and XXXX refused to investigate the inquires
Starting in XX/XX/2018 I have received a reoccurring charge from XXXX on my USAA credit card. I have tried every month to dispute the charge and ask to not allow the charge to continue. To this date I am still being charged. I cancelled the first card received a new card and USAA has continued to allow the disputed charge. No matter how many letters I send I can not get USAA to cancel the monthly charge. This has gone on for 7 months with no positive outcome. I have been charged XXXX monthly for a XXXX account I do not have.
On XXXX XXXX, I sent a registered letter ( XXXX XXXX XXXX XXXX XXXX XXXX ) to Experian Credit at XXXX XXXX XXXX, XXXX TX XXXX, enclosed with a letter was a copy of a XXXX, the registered letter was received by Experian on XX/XX/XXXX per USPS Tracking website. The letter regarded XXXX XXXX acct # XXXX, and the balance of {$1900.00}. I have disputed the validity of this account on several occasions asking for written documentation pursuant to Sec. 609 but never getting it only to say the creditor verified the information as correct. In this letter I sent a copy of a just recently received ( XX/XX/XXXX ) XXXX from XXXX XXXX ( creditor ) which showed the date of indentifiable event as XX/XX/XXXX, and an " AMOUNT OF DEBT '' as {$1500.00}, so how did this ever previously get verified? Now today on XX/XX/XXXX, after more than 30 days after my most recent letter I called Experian to find out the status of the most recent dispute, I spoke to a customer service rep by the name of XXXX ( may not be spelled correct ) of TEAM IMPACT. after a brief hold was informed she was able to locate my sent documents but they where NEVER forwarded so a " DISPUTE '' was never opened nor sent to the creditor for verification but NOW, today XX/XX/XXXX, would be sent and it could take 30 more days. I explained thats why things are sent by registered mail and the 30 days starts when received, she went on to say, she went in and corrected the balance to reflect {$1500.00}, when I explain they where in violation of the FCRA, she had nothing further to say. At that time I asked to speak with a supervisor, the CSR took my contact information and said no supervisors where available at the time, I asked when I should expect a call and she said within two ( 2 ) hours, needless to say the time came and went without a return call.
My husband had his social security card stolen and we never knew about a XXXX account made in his name. We never got any letters or anything and we get numerous call everyday and night from different numbers about he owes XXXX to XXXX. Like I said we have never gotten one letter about this and me and my husband get calls and I don't know why they call me. I have told them over and over we have an investigation going on to see what it is they won't give me an account number or anything. I have asked them numerous times to stop calling every 5 minutes while we are at work and at night but they won't stop. The numbers show up as unknown and restricted. And never leave messages. Last night the lady got really mouthy with me And said further actions would result.
Experian, XXXX and XXXX are reporting late payments for months on my credit report that I was on the rehabilation program with XXXX XXXX XXXX XXXX and in fact making payments to the XXXX XXXX XXXX XXXX during months XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to make payments for XXXX that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In XX/XX/XXXX myself and the XXXX XXXX XXXX XXXX changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by XX/XX/XXXX. I was under agreement from XX/XX/XXXX-XX/XX/XXXX to pay my balance in full. I completed that agreement and paid my balance in full on XX/XX/XXXX. I would like for each credit bureau Experian, XXXX  and XXXX to update my payment history with the accurate info showing my account was in fact being paid for the following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And for the months XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX as well I was under agreement at this time and was told that no payments were going to be reported late because of my  agreement that I had set up with the XXXX XXXX XXXX XXXX.
Just wanted to follow up on your responds from earlier today. You said You would contact the creditor about the accounts that I 'm asking for documents on Their is no need for you to do That. Umm I 'm asking you! Your company to send me those documents the law states that you the reporting agency should have those documents in your possession at all times and when the consumer asked for them you have 30 days to supply that info. 
XXXX XXXX XXXX closed account and XXXX closed And all credit inquires that does not match any credit in my file I been battle this for 3 Months now please do this as quickly as Possible Thanks also Still willing to drop all Dispute with CFPB If you are willing to settle and have the items removed or send me the original documents
Re Account XXXX afni, XXXX XXXX XXXX IL Anfi attempted to collect debt of {$45.00} they claim I owe XXXX. I requested details supporting the billing from anfi and they supplied support for credits in 2015 of {$63.00} but provided no support for debit balance of {$100.00}. <P/>No date or description of service supported the {$100.00}, just " prior balance '' I have requested support from anfi for the prior balance of {$100.00}. <P/>I am disputing the legitimacy of the XXXX/anfi billing.
In XXXX, 2015, I used the web services of all XXXX major credit reporting agencies as part of a major credit-relevant transaction. For all agencies, I requested the minimal cost ( {$1.00} ) credit report. For Experian and XXXX, without my knowledge, I was enrolled in credit monitoring services. This resulted in monthly charges to my account ( {$21.00} for Experian, {$17.00} for XXXX ), until I finally noticed these charges on my credit card statement this month ( XXXX ). I called each agency, cancelled my enrollment in their credit monitoring services, and requested full refunds. Each agency refunded only XXXX month 's worth of charges. 

I am generally a web savvy consumer. I find it very hard to believe that I was provided with reasonable notice or information that by requesting my {$1.00} credit report, I was also enrolling in a credit monitoring service. I strongly suspect that Experian and XXXX are using their critical roles in our credit reporting system to charge customers monthly without those customers ' affirmative consent or knowledge. Given the trust that we must place in these agencies, this is unacceptable.
On XXXX XXXX, 2015 Bank of America sent me a letter which read " Congratulations! You 're approved for a Home Equity Line of Credit Modification '' I accepted this offer nine months ago, a contract I have honored and complied with in every way, yet Bank of America has and continues to avoid compliance. The issues are as follows : Failed closed my modification Continuously send me numerous notifications that my " loan modification appeal has been denied '' Inaccuracaly reported my credit history Called me 50 times stating my loan is in default or me calling BofA to get assistance Provided me with assurances that " this is just a paperwork problem '' for 9 months Verbally assured me that my loan is fine and I should continue to pay the {$710.00} ( which I do every month ) and instructed me to ignore the letters and calls that state I am in default I have has to endure countless changes to my " single point of contact '', and there is no end in sight. This situation is inhumane. Bank of America 's CEO XXXX XXXX was notified months ago and still no action toward a resolution. 

I have asked for months for help. Now I have demand they perform under the agreement. Provide me with an accounting of how the thousands of dollars I have paid from the time I entered into the modification have been applied. I do n't even know what interest rate they are charging. My statement says 3.75 % and my modification says 1 %. I will bet they do n't even know how to prepare an accurate XXXX for tax purposes.
I get XXXX or more calls XXXX to XXXX daily and wkds.
Per your earlier brush-offs - you state that inquires are a matter of record for every time I applied for credit.  HEY   XXXX ! I did n't apply for any credit for all the inquiries that I have been disputing for over 2 years!!!  <P/>  HELLO????  Why should I have to contact all  XXXX  creditors regarding something I did NOT apply for, that someone else has attempted to open???? HELLLOOOOOOO?????  <P/> DELETE THE INQUIRIES - I DID NOT APPLY FOR THE CREDIT - WHETHER IT 'S A CREDIT CARD, A LOAN, A CAR = NOTHING!!!  <P/> I AM NOT DOING YOUR JOB! THIS WERE FRAUD PLAIN AND SIMPLE!!!!!!!!!!!!!!!!!!!!!!!!!  <P/> CFPB - You guys are a joke! You have n't helped me at all.   I did NOT apply for these items, I want all inquires REMOVED - these are FRAUD!!!!   HELLLOOO!!!!!!!!!!!!!!!!!!!!!!!!
In XX/XX/XXXX, I called XXXX XXXX for our business account to let XXXX XXXX we terminated several employees and I did not want them to have access using the company 's gas card or XXXX to purchase gas since the employees no longer work with the company. The Representative for XXXX XXXX Customer Service department told me she had to reissue our gas credit cards and this would prevent the use of the card or XXXX to charge gas on our account. I received my bill and notice several unauthorized charges on our account. I ended up getting a Supervisor after making several calls to find out the Representative in XX/XX/XXXX gave me the wrong information. I requested a Fraud investigation on our account for the unauthorized charges made to our account. I told I had to speak to the XXXX department since the charges were made with a XXXX. I have now made 5 request to  have the charges from XX/XX/XXXX - XX/XX/XXXX unauthorized charges be investigated and XXXX XXXX and Citibank refuse  to look into the matter or send me the requested documents to sign to investigate the unauthorized charges. I getting harassing dept collection calls 3-5 times a day. I have accrued interest on charges I should have never charged in the first place or had to pay, because I notified XXXX XXXX from the very beginning. XXXX XXXX Account # XXXX
I have several loans that I consolidated from Navient to XXXX. There is one loan remaining with Navient that has not been moved that is causing my credit score to continue to drop. Loan #  XXXX. This loan is being recorded as joint. IN XX/XX/1999, my ex spouse and I were trying to consolidate his XXXX loan and my loan with XXXX. We were told that we could not consolidate the loan because his loan was in default. However, my loan was placed into his name. For nearly 20 years we have disputed this and have gotten NO results. They have constantly reported negatively on my credit report and his. Just recently, I spoke to XXXX at Navient XX/XX/XXXX. She said she was going to look into this as a top priority, but our credit scores has since drop down 74 point. I need help in getting this loan out of my ex husbands name ( XXXX XXXX ) so I can consolidate with my other loans with XXXX. This has hindered my as well as his ability to obtain credit. We need help ASAP
Experian is reporting a Closed Charge-off XXXX  XXXX card on my credit file that does not belong to me and appears to be Fraud, I have contacted Experian several times to have the Closed Charge-off XXXX XXXX Fraud account disputed, investigated and removed,. Experian continues to deny and initiate a dispute or investigation for this Fraud account. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. I did not Open an account with XXXX XXXX or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX XXXX, I did not give authorization to XXXX XXXX or any creditor to open an account in my name. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on my credit file.
XXXX credit card did a hard credit check, without consent. I have there card, if there going to check. My current score it should be a short credit check. 
thank you
I am in a " rate-reduction '' program with Navient. At a whopping $  XXXX  nearly all of this goes toward interest because  XXXX  loans are at alarming rates up to 14 %. I borrowed a total of  XXXX  private loans while attending chiropractic school. I graduated   XXXX   XXXX   in  XXXX  of   XXXX   and over the course of the la st 7 1/2 yea rs my loan balance has INCREASED not at all decreased. I actually owe {$13000.00} MORE than what I borrowed at the end of   XXXX  . It has come to a point where my husband and I are struggling to make this payment as we have experienced a loss at our private practice due to the massive flooding that swept  XXXX  last  XXXX . Navient is no help. The call center representatives are not only rude and dismissive but undeniably unhelpful.
After two request Equifax and XXXX refuses to respond to my request for my credit reports. My requests were dated XX/XX/2018 and XX/XX/2018 respectively ...