WillisBack/dataset-financial-user-claim huggingface dataset:
I have maintained a credit score in the 800+ for the past 20 years. 

On Monday XX/XX/XXXX, I applied for a home equity line of credit and was advised by the bank that my credit report showed a charge-off and collection status for an XXXX XXXX account in my name. This information was reported to the credit reporting agencies by XXXX XXXX ( XXXX ) in or around XX/XX/XXXX. Therefore, my application would not go forward. 

Between Monday XX/XX/XXXX to today ( Thursday XX/XX/XXXX ), I have made over 100 telephone calls and sent several e-mails ( copies attached ) to XXXX. XXXX has not issued the letter they promised to send me stating that the report they made to the credit bureaus was an error and would be deleted from my account. E-mails and telephone calls to the chairman 's office and executive office have been ignored. XXXX refuses to provide any information whatsoever regarding the application information associated with this account they provided to the credit reporting agencies. I also filed disputes with the credit reporting agencies but the incorrect information reported by XXXX report WILL NOT BE REMOVED until XXXX initiates removal. I HAVE NEVER APPLIED OR CARRIED AN XXXX CARD. I HAVE NEVER LIVED IN TEXAS. 

3. I have lived at two ( 2 ) addresses for the past 30 years in homes jointly owned by my wife and I. I never lived in Texas, but XXXX XXXX reported a Texas address associated with the derogatory account information XXXX reported to the credit bureaus. I never receive a call or any mail regarding this account from XXXX or any collection agency. I have been married ONCE and will celebrate 30 years next month. ALL CREDIT APPLIED FOR IN THE LAST 30 YEARS HAVE BEEN DONE JOINTLY WITH MY WIFE. 

4. I am now withdrawing the needed funds from my 401k and will have 20 % withheld as well as other penalties. 

5. I am over XXXX years old.
I have tried to fill out their online form with my correct name address employer etc but when they ask me questions about personal details they do n't recognize me because their info is so XXXX. They want me to pay for my credit report or subscribe to some tracking thing when it has been over a year and they should just send it to me. There is no point of phone contact with a human just a run around of phone trees.
This account does not belong to me and Equifax continues to report this fradulent Collections account on my credit file, even though i had provided multiple evidences of these agency 's violation of both the FCRA and FDCPA. and Equifax couldnt provide what proofs and evidences the collection agency provided. Continuing to report invalidated debt or fradulent collections is a violation of the FCRA and FDCPA. I have forwarded all my evidences of Equifax violations of the FCRA and Maryland consumer laws to the Maryland XXXX.
My son, has been on SS benefits since he was 8 years old, he has XXXX  XXXX  and XXXX  XXXX  so I am writing this out for him. He got a credit card back in XX/XX/2008 and I was paying on it. He had a run in of problems and couldn't pay any longer. Through the years we got phone calls, letters to pay XXXX XXXX. Years ago an attorney firm of Hayt, Hayt and Landau contacted us, made everything look legal, but still my son said can not pay. Just a week ago, I received this deposition notice that they want him to appear at the Bar Association where we live with all kinds of paperwork, proof of income, property, etc. All he has is one vehicle and we share one junked vehicle. Now today I get a FINAL NOTICE from the USPS that there is a large package that has to be picked up. We are home everyday, no post officer knocked on the door for a  signature, he just put the slip in the mail box. I wrote them on their website ( Contact Us ) and told them, he is on SS, this is a very old debt, not on his credit report ( which I just checked yesterday ) and to stop harassing us. We do not have anything else, as myself, and my other son are also on Social Security. I am my son 's rep payee and he says he will not pay an old debt. They can not garnish federal benefits if this is a time barred debt. If this makes it to the Magistrate, then so be it, we will make payments. But they have been harassing us for years, I had to get a phone system that blocks callers. I read on the net that this company has gone to many lengths to collect a debt. If this is something we definately need to take care of, I need to know. I will talk to my son but it will have to be a very low payment every month and they can bring it down 30 %. I am afraid to talk with them on the phone and my son won't.
I requested my annual credit report via http : //annualcreditreport.com. 

I successfully accessed XXXX and XXXX 

Transunion presented the following error : We are unable to complete your request What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : Please contact us at XXXX XXXX XXXX XXXX to initiate a dispute via telephone, during our normal business hours ( XXXX to XXXX ET Mon-Fri ). You can also mail your dispute. 

I called XXXX and was told that number could not help me. 

They directed me to XXXX, who stated that the first person was incorrect and that I needed to call back. 

I called XXXX again to be told that XXXX was the correct number. 

Following their guidance, I called XXXX again and was told that the real number I was looking for was XXXX. 

That agent told me that the reason I was unable to access my account was because multiple records were attached to my social security number and to call XXXX again, as they could help me. 

I called XXXX again, and was told that there was nothing they could do and that I should call XXXX again. 

I asked to speak with a supervisor, as I had already invested close to 2 hours on the phone. I was told I 'd be placed on hold for a moment. 

After 5 minutes I was disconnected.
XX/XX/XXXX My card was hacked and several TVs were bought. I reported the incident around XX/XX/XXXX. I had paid a {$1500.00} payment in to my card, and after the charges were reversed there was a credit balance of over {$1000.00}. I submitted a request for refund of balance and it said a check would be mailed. I never received the check. I called and the first person I talked to said that the new card should have been sent but wasnt and she saw where the refund request was made but the check was not sent. I called twice more with basically the same answer. I finally received the new card a few days ago, but no check. 

Here is email conversation : XX/XX/XXXX XXXX XXXX XXXX Dear XXXX : Thank you for contacting First National Bank.Our records indicate that these issues were addressed with a phone representative on XX/XX/XXXX.If you need further assistance, please contact us at XXXX.Sincerely, XXXX XXXX.Customer Care Senior Specialist XX/XX/XXXX XXXX XXXX XXXX XXXX Hi , I spoke with someone last week about my new credit card that was coming because my other one was hacked. They told me to get ahold of someone if it had not arrived by today. Also, they said my refund check was being mailed out, and I have not recieved it yet either. 

Here is the last one : XXXX From : XXXX XXXX Sent : XX/XX/XXXX XXXX Ref No : XXXX Subject : Three attempts Concerning : XXXX Dear XXXX : Thank you for contacting First Bankcard. 

I see you have spoken with customer service in regards to this issue and this has been explained to you on XX/XX/XXXX. 

If you have more questions you will have to speak with our Fraud Department at XXXX. 

Sincerely, XXXX XXXX. 
Customer Care Senior Specialist XX/XX/XXXX XXXX XXXX XXXX XXXX I have called three times and sent messages twice trying to get the refund that I had coming to me from FNB credit card. My credit was hacked and my account was shut down and I was to be issued a new card back on XX/XX/XXXX. Every time I called I was told it was going to be taken care of only to call next time and find out it wasnt. The credit to my account has been removed from online, but still no refund check. The refund was for over XXXX dollars. I will have to contact XXXX if it isnt fixed. 

The last phone call I made was on XX/XX/XXXX and was told that The check had not been issued and that it was being reviewed or something by the fraud department. However, they have since removed the credit balance from my account?? 

I just want my refund that the statement showed as a credit. The account # XXXX and I do not have access to that account anymore so I cant download the last statement.
I do not remember this debt and, have been the victim of ID Theft twice. ( Police Reports are on file ). A Debt Collection Attorney contacted me, I responded in the allotted time and requested information on the debt. The only thing I received was, " Provide Proof of your Social Security Benefits ''. So, I do not know anything about this debt. We have debt. My wife is XXXX. Why this attorney wanted my social security information is beyond me as it can not be garnished.
I have previously been a victim of identity theft. I have fraud alerts set up with each credit bureau. I recently noticed a new collection on my credit report, I previously had none. I immediately disputed this, and it was deleted off my credit report on XX/XX/2016. Recently equifax reinserted this info on my report, and this is not my debt. It is for a bill that originated in XXXX, AL. I 've NEVER lived in XXXX, AL. This is a violation of the FCRA.The Fair Credit Reporting Act states in 611 ( A ) ( 5 ) ( B ) ( ii ) credit bureaus must notify you in writing in 5 days before they reinsert the past deleted item. I did n't receive any notification.
called Equifax to get freeze on my credit. had an voice answering service. I could not get a person to speak to. found their online sign up for a credit freeze got all the way to the end and they said you must put in a number they would send to your email account. I lost my internet connection had to start over because number is valid for just a few minutes. tried to fill out the info again and was told I already have a account I tried to enter the account and was told I could not enter at this time. This of course is because I could not enter the number they sent in the allotted time. Now I can not freeze my credit with them. My identity has been compromised within this last week so I need this resolved
In an effort to compromise with the debt collector, I settled the account for 30 % of amount owed in order to have it deleted from my credit reports. I have experienced extreme hardship over the past year and have finally started to be able to save for a home again. I will be applying for a mortgage in the next six months and this invalid collection is a huge hurdle in my effort to do so.
I sent all three credit bureaus a certified letter disputing this hard inquiry from XXXX XXXX. On XX/XX/18 this hit my credit reports and I immediately contacted the bureaus but its been over 90 days and I haven't heard anything about the investigation that I requested which is a violation of the FCRA, which States that the bureaus have to report accurate information and respond to the consumer in a timely manner. This inquiry has cause me great hardship, stress and Has caused my credit score to decrease drastically!! I've been denied credit and loans due to this inquiry.
Company- XXXX XXXX XX/XX/XXXX Balance - {$390.00} This acct was included in my bankruptcy and this business should be fully aware of the bankruptcy laws. The company did not apply in the time frame that was allowed and under these circumstances it should be removed from my credit report. XX/XX/XXXX
Capital One took my payment made on XXXX XXXX, 2016 and did n't apply the payment to my credit card account thereby leaving an outstanding balance of {$430.00}. I should have Zero Balance with a credit of {$38.00} Dollars. 
Because Capital One stole my payment of {$470.00} and did n't apply it to my account they messed up my Credit Score and brought it down to XXXX. I use to have a Credit Score of XXXX or higher. 
I went to purchase a car and because of Capital One my interest Rate was XXXX per cent and I had pay {$2000.00} Down Payment. I want Capital One to apply my payment of {$470.00} and Close the account in good standing stating the account was paid in full with no missed or late payments every month.
I called the bank who holds my second mortgage/home equity loan, before the payments were to go up from XXXX to XXXX per month. I called on XXXX XXXX, 2015 to modify my loan payment, which they say was to expire on XXXX XXXX. Today, it is XXXX XXXX and they still have not modified my loan. They are asking me to sign documents which they say are original loan papers. After four months of negotiations, and having never missed a payment, I have n't any modification. Why do they threaten me that if I do not sign these loan papers, that they will not give me a loan modification? They also threaten that if I do not sign quickly, I will have to begin applying for a loan modification all over again. I ask them why they threaten me with this every month since XXXX? They do not answer this. I am a victim of bank greed and I need your help. I am also wondering if I am victimized because I am an XXXX. I see that the courts ruled that National City ( my original lender ) was discriminatory to XXXX and XXXX. How about registered XXXX? My payment increased 255 %, and my paycheck did NOT increase that much, but my husband did lose his job and we had to begin all over again. The economic downturn was caused by the banks and I tire of them preying on me, and all Americans, regardless of their culture or race. One more point : PNC was only able to buy NatCity because the US treasury gave them the money. Taxpayers money. Our money. My money. So, should n't I own a piece of PNC? I would be happy to give myself a modification. I am a good tax-paying person, who has never missed a payment. I have been treading water for eight long years now. I do not want to lose my house. Please help me.
NC Medicaid paid this bill already. Please have PMAB , LLC review their files notify any credit reporting agency to delete any item associated with this account # XXXX {$150.00} date XX/XX/2015.
my name is XXXX XXXX XXXX XXXX im XXXX person XXXX supplment secuity and socail secuity payments account with bank america XXXX routing number XXXX for payment XX/XX/2017 ssi and socail secuity XXXX asme account my socail secuity adriminartion inpute account above payments account person renting motel room left XXXX were XXXX jumping trains without fare paid geting tickects need to go to room rest XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX want cfpb contact bank america of my senstive information related this matter summitted your cfpb
American Express o ffered a rewards points for spending, and paying a {$500.00} annual fee. I have had the account for over 6 months, a member of theirs f or 12+ years. When I actually tried to use the points that I accrued, they said they needed to investigate and have held them for up to 10 we eks for some arbitrary investigation. I applied and paid {$500.00} on the promise that I would receive and be able to use my points from spending.
I have been working with Ally Financial in regards to my auto loan. The loan is currently past due and we were working on an extension to get me current. I had explained to them I fell behind due to family illness and my fathers passing and expenses incurred during that time period. The XXXX agent I talked to kept telling me I have to get a fax # for them to send documents and as explained I had nothing I would find a way to fax back but dont have a way to receive. This carried on for minutes of her telling me I have to get her this information. I felt it was very harassing how she was acting. I had called back later and talked to a different agent who explained there was no need to get them a fax it would come in the mail just fax back right away she said my extension information was sent over already and that they would process it once the payment was in but it would be approved once i made the payment. I called today XXXX/XXXX/2015 to give them my confirmation # for the payment made to get my extension approved and the female i talked to was completely rude. She said that nothing will be approved on this til they see the payment posted and the paperwork is all back. I explained that the other agents told me it would be approved within a few days and that to have it go thru fully i would need paperwork back and payment on file. She said that was wrong and nothing is going to be approved til everything is in hand. I asked if the paperwork was already sent as it was sent to the dept on wed she said she cant tell me that then said I have XXXX days to return everything or it wont be approved. I asked her XXXX days from what and she refused an answer. I explained that I should have at least XXXX days from the date of the letter because I cant send back a letter that hasnt been sent to me she said that if I dont get it back in I would need to make another payment and could apply for another XXXX later thats why I have to fax. I explained to her if she checked the notes that I have no way to receive a fax at this time but would have no problem finding a way to fax in but I 'm limited on resources and funds to do this. She was very rude in how she was telling me she sees a lot of places I could just go get the fax. I told her that I felt she was being rude then she started to argue saying she wasnt rude she was informative. I told her i felt she was being very rude and that I am already looking at filing Chapter XXXX due to financial hardship and am to the point of just including this just so I dont have to work with people who are being rude to me. I understand I am behind on payments but I am also a person and am trying to fix this I dont need people making me feel worse about myself by belittling me. I found it very harassing how she treated me as someone who works in customer service/collections had XXXX of my agents treated someone that way they would have been walked out the door. I have submitted a complaint and have case # XXXX.
This has been an ongoing situation that I have addressed with the mentioned bank so there are multiple dates and various amounts involved.I have tried both emails and phone calls to try and resolve this problem. 

I was instructed by South State Bank to make my loan payment online or I would have to pay a {$10.00} fee. Whenever I make an online payment for a principle payment only to bring down the balance, the payment is made towards interest that is not due yet first with the remainder going towards principle even though I clearly state in the memo line " APPLY TO PRINCIPLE ONLY '' as I was instructed to do. I then have to call the bank two to three times and wait on hold each time to get the payment applied properly. Even then it takes several days for the payment to be corrected. I have spoken and emailed Mr. XXXX XXXX as well as other bank associates on numerous occasions about the additional costs in interest and the waste of my personal time but nothing ever changes.
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX XXXX letter with XXXX requirements to CommonWealth Financial. I had my XXXX XXXX Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XX/XX/2018 To Whom it may Concern, Regarding XXXX credit card from Capital One. 

In a recent inquiry about XXXX credit card account we were informed that his account had been closed out because it has been inactive for over three years and there was no balance. The account had over 80,000 valid airmiles that is worth a cash value of around {$400.00} dollars. 

We reached out to Capital One regarding this issue over a year ago. We asked that a replacement credit card be mailed so XXXX could use the account thus keeping it active. We never received the replacement credit card but did receive a statement with a XXXX  balance. Shouldnt this action alone create an active status? 

I was informed that we should have received email and mail about the account going inactive. To the best of my recollection we didnt receive any. 

Im reporting this issue because I think this is an unethical practice that benefits the credit card companies. They have basically stolen money from us that we saved and earned over years of purchases on the credit card account in the form of " airmiles '' If they insist on closing the account shouldnt they have at least paid out to us the point value in cash. What happened to the never expires airmiles promise! 

I would appreciate any help regarding this matter and would like the public to be informed as well. 


Regards, XXXX XXXX
I submitted an initial dispute directly with the credit collection furnisher and credit reporting agency XXXX XXXX regarding debt that did not belong to me and received an initial response from the credit furnisher with their evidence ( address, name, medical service provided and dates ) to support their investigation that resulted in them stating the information was mine. The reported this same conclusion to the credit reporting agency Experian. 

I responded to their results with addition information including court records supporting my dispute including the fact that, I never resided at the address stated, never had a medical insurance policy with the company listed, and had been divorced many years prior and their was no joint debt or liability for debt from my marriage. 

I received confirmation of receipt of this correspondence by a signed certified mail receipt form the company. It has since been over 40 days since their receipt of this second dispute with additional supporting information and I have yet received a response. FCRA requires that Credit Furnishers supplying information to credit reporting agencies that adversely affected investigate and report results of their investigation within 30 days. In my case this has not happened. The Credit Furnisher also responded to a dispute through the credit reporting agency that this information remain without further investigation. After disputing this through CFPB the Credit Furnisher has agreed to re-investigate the evidence provided up to 60 days but has already gone beyond the FCRA required timeline for a response to my direct dispute.