WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed my current mailing address and Equifax requested a Birth Certificate, Drivers License, Social Security Card, and Utility Bill, and Proof of Residency. However, I had already proven my identity by signing up for their Equifax Complete Advantage product. Thus, under the FCRA I do not have to provide this information to them. Also, I declined their request because I not give that type of information to private corporations such as theirs.
On XX/XX/XXXX I called agency spoke to the account representative at that time XXXX Whom I made a payment agreement to pay the amount of {$3300.00} in monthly installments of XXXX and the Interest on the act will cease and the {$3300.00} will be the only amount I will pay. I then called I believe two months after to reset the payment arrangement because of financial difficulties to $ XXXX/month to go towards the original agreement of {$3300.00} since then all the payment have been automatically made and in every communication made with the same representative it was agreed the payments were going to the same arrangement then representative left the company when I called to check on my balance on XX/XX/XXXX the account was assigned to XXXX XXXX who informed me there was no such agreement to only pay {$3300.00} and the balance due at that time is the amount that I would have to pay I then disputed the account They never send me anything rectifying the dispute then on XX/XX/XXXX I called to confirm if my balance was paid off because I was only charged {$24.00} Same representative XXXX XXXX informed me there was still a balance due with nothing showing that I was only to pay {$3300.00} in total he then said their system had changed and there was no such notes showing that agreement was made. I disputed the account again then on XX/XX/XXXX I was issued a letter stating I have passed the time I had to dispute the account balance and According to section 809 ( b ) of the Fair Debt Collection Practices Act and the balance at this time which is {$1700.00} is due and collection activity will continue. This is unfair collection practices and we need to put an end to it
On or about XXXX 2015, I was going through a divorce and had to change my bank account on my automatic payment service on my Capital One credit card. I changed the bank account number and am positive that once I changed the account number that I re enrolled in the automatic payment to deduct the minimum payment due for each month. Two months later, I receive a call from Capital One saying that I have been 60 days late on my payment. I was shocked as I know that I set up automatic payments with Capital One, as I do with all of my credit cards. The representative said that my automatic payment was not enrolled. 

Fast forward to this month, I am applying for a mortgage for a new home. My lender says that there is derogatory items on my report. XXXX late payments totaling in a 60 day late on my credit report on XXXX and XXXX 2015 from Capital One. 

I called Capital One and explained the situation but they are telling me that the information is accurate and they are obligated to report to the Credit Reporting Agencies ( XXXX ). 

Because of Capital One 's negligence or glitch in their system my credit score has dropped significantly and now am unable to get an excellent mortgage rate to purchase my new home. 

I 've never missed a late payment with any of my credit cards. 

This is a mistake on Capital One 's part and I should not have to be inconvenienced by their mistake or glitch in their system, as I DID re enroll in the automatic payment thru their website. I 've had credit cards and car loans through Capital One and for them to not rectify this problem is absurd.
I have sent a address affidavit to have all incorrect addresses removed from my file. My name is spelled wrong on my   XXXX   report as well. Please see the attached documents and correct the error as requested thank you for your time and concern.
On XXXX/XXXX/XXXX, I received a copy of my credit report and Citibank N.A . or Citibank XXXX is showing as an inaccurate account. I called to speak with a representative immediately. I spoke with XXXX and he informed me that the money was sent back from the school- University XXXX XXXX XXXX because I was n't a student. He informed me that the loan was taken out on XXXX/XXXX/XXXX. The loan totaled XXXX for a fall semester.. XXXX then advised that the loan was also sold to the US XXXX at the same time the loan was allegedally returned back from the school.. I asked if he cod end me verification of an account or signed documents that I had a taken out a loan, and that the loan had been sent back from the school or transferred/sold to the US XXXX. He said he could not provide documentation. I asking that the above account be removed from my credit report. I HAVE RECENTLY CONSOLODIATED ALL OF MY STUDENT LOANS WITH XXXX AND THIS LOAN IS NOT ON MY LIST OF COSOLIDATED LOANS. the company name, phone number and address is listed below : Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX sd XXXX XXXX
All of my personal information has been potentially compromised in the recent breach of Equifax. I feel threatened and unsafe. I am having to implement more security measures than I ever thought I would need.
I purchased a TV from best buy in XXXX and my introductory APR recently expired in XXXX of XXXX. I was told by the sales rep and a women from Citbank who handles Best buys credit card that the interest was not compounded at the end of the promotional period. This however was not true, all of the interest is compounded therefore sticking me with a {$1500.00} interest charge on a {$1500.00} purchase. I feel that I was misled by several members of the best buy sales team, and the Citibank agent who handles the best buy credit cards. I was never told that any payments on the account would go towards the highest interest charge. I feel that this is to help consumers but it in fact hurt me because I was unable to pay off the promotional balance in time. I was financially abused by Best buy to get the most money out of me as a consumer. I paid more than the minimum balance through online bill pay so I never really checked the bill and small print. If i was not mislead I surely would have made sure to have the promotional APR paid off in time. Best Buy also reduced my credit limit from {$2200.00} to {$700.00} making me overdrawn therefore dramatically hurting my credit score. This has been an incredible pain effecting my credit as we try to refinance our home. In All Bestbuy citibank has abused me as the consumer effecting my credit score, and making me pay close to 100 % in interest.
Company was misallocating payments made. I would make payments and pay an extra amount every month to be applied to the principal amout of loan with highest interest rates. Company would apply this amount to fiture payments on all loans instead of principal of loan with highest interest rate. This occured throughout the months of XXXX XXXX to XXXX XXXX with over 4,000 dollars in payemnts. Contacted loan company multiple times to have this corrected and allocate payments correctly. XXXX XXXX called company again to correct their mistakes. They reallocated payments, but still incorrectly. I was unable to refinance loans through another company due to high balances. XXXX XXXX intrest rates were raised by .25 % on all loans. XXXX XXXX, my parents took out a private loan to pay off my loans through Navient. I now make monthly payments to them.
I am at an income based forgiveness of $ XXXXmonth but just noticed the loan company, Navient, is still adding money to my account after I was told my account would stay frozen until after I started making payments again!
Real simple case here that XXXX and Merchants Credit Association has ignored. This is about a {$88.00} bill that I can easily pay BUT I refuse to since XXXX  incorrectly billed me and Merchants Credit Association ignored my response to their letter where I clearly disputed the validity of this alleged debt. 

Details : - My family and I rented a house and XXXX supplied garbage and recycle services. 
- My family and I moved out at the end of XX/XX/XXXX. 
- During early XX/XX/XXXXwe contacted all the utility companies and told them we had moved out. 
- XXXX kept billing us so I called and disputed the billing. 
- The owner of the house also called XXXX and he was told that there was no outstanding bill. 
- Fast forward a few months and I get another bill from XXXX. I again called and disputed such. This time they asked for proof of us moving. I happily emailed them the official USPS address change confirmation. 
- I hear nothing from XXXX for several months until I get a collection letter from Merchants Credit Association out of XXXX, WA - I obviously dispute the Merchants Credit Association attempt to collect a debt. I include the USPS email showing our change of address confirmation as well as a letter from the owner of the house stating that we moved out and that the bill is his not ours. 
- A few months go by and I hear nothing from XXXX or Merchants Credit Association BUT I get an email that my Equifax credit report has changed and when I look there is a collection from Merchants Credit Association. 

How can they get away with adding a silly $ 90+/- collection to my credit report when I clearly disputed this debt? 

I have the ability to pay the silly {$90.00} but since I do not owe this bill I chose not to pay it. Now it has cost me several hours of work and stress! 

Merchants Credit Association is probably gambling that I will just give up and pay a bill/debt that I do not owe due to the incredible hassle to prove I do not owe it. 

WRONG! - I will pay a lawyer {$1000.00} to clear this up before I pay XXXX and Merchants Credit Association for their obvious mistakes. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX Merchants Credit Association XXXX XXXX XXXX XXXX, WA XXXX XXXX
This company came after my husband many years ago about this dept. He tried to settle with the help of a lawyer. They would not settle. many years later they came after me. I had no knowledge of what had happened. My husband told me to ignore this company he was dealing with them. The next thing I know they are calling me to court, I went to the courts and explained that this was not my dept and it was my husbands, the judge allowed {$300.00} a pay garnishment from my pay, {$600.00} a month. I told them I have my mom living with me and kids, I would lose my car and my job without a car. I had to share my insulin with my mom because I could n't afford to help her out when they took the first XXXX then pay XXXX to file bankruptcy. I had to stop them from taking my money at this amount. After going over everything I decided not follow through with the bankruptcy, I could not pay off my other debts because of this one. I had good credit up until this happened. I have tried to have this resolved and got nothing but hassled garnished my wages, I had to endure humiliating moments that had me in tears, missing work and sharing my medication so my mom would not get sick. This company showed up out of nowhere demanding all this money, we have asked for proof. They gave us no solid proof and did not work with my husband many years ago and now they have caused me personal problems. Like I said earlier, my credit score will speak for itself. before this happened my credit was good and now I have bankruptcy even though I did not go through with it, I ca n't become what I hate and XXXX over other companies to get out of this problem. I am hoping somehow you can help me and others from this company.
My loan was sold from XXXXXXXX XXXX XXXX to Carrington to which I was never informed, never sent any notices regarding changes to my loan and payments. I sent payments to XXXXXXXX XXXX XXXXXXXX and after 4 months I was finally told my payments were not being applied as my loan was no longer with XXXX XXXX  XXXX. I can not find any assignment recorded showing the loan was transferred yet Carrington claims now to be the servicer of the loan. When I reached out to Carrington they told me to submit documents which I did, during the time I was submitting documents and being reviewed for loss mitigation options, they proceed to file the Notice of Default and Notice of Trustee sale on my property despite that I was in an active loan modification review with them. Now I am facing a foreclosure on XX/XX/2018 and they denied me even though I have the income to make my payments and fully intend to keep my home at all costs. I was never assigned a single point of contact nor did Carrington ever attempt to reach out to me to offer assistance, I had to call them once I found out they were even my lender. My HBOR have been violated and I fully intend to seek legal action.
I filed a complaint with equifax on  or around 2015 r egarding incorrect information appearing on a credit report involving  XXXX . It was reported back to me that this case was incorrect and would be closed with no consequence to my credit. and all reporting would be updated. This is Still showing up on credit reports. The la st one I looked at was with   XXXX   XXXX   and it shows as a collection. This is incorrect and needs to be updated as it is affecting my credit score.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX which is showing duplicate and with different balances, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Freedom Mortgage increased my monthly payment stating I had a XXXX deficit in my escrow account in XXXX XXXX. I refinanced my home with them in late XXXX of XXXX. Since then, they have been unable to give me a clear explanation of why they increased my mortgage. 
after speaking to several representatives, it was determined that my insurance was n't paid although it was included and confirmed in the XXXX statement from American title company. I notified Freedom mortgage of this and they said that when they made the payment to the it created a deficit in my escrow account although they collected for the payment in the closeout. I 've been unable to get them to resolve this and every time I call, I 'm, switched between XXXX to XXXX people and have to re-explain my issue every time with no results. Surprisingly enough, my payment is near the same amount as it was before I refinanced a year later. No one can explain that either.
I got a new discover card because they had the promotion of 10 % back for upto XXXX payed with XXXX pay. There should have been an other 10 % cash back after 13 months. There was no limitation like gift cards, or need to have recipes or share purchase itemized data with discover. but now Discover do not awarded any bonuses for transactions they subjected to have gift cards included. So the process is to flag bigger dollar amount transactions and make the customer provide the information if he wants the cash back bonus. SO at a nut shell Discover changed the therms retroactivly. Discover has no level XXXX data so now they want recipes for purchase made XXXX so i guess discover does not care about privacy laws neither ....
I sent a wriiten letter to the corporate office of 1st financial loan asking them not to contact me because they were calling three to four times a day six days a week. They continue to call me from different phone numbers some just hang up oncethe call gets answered by my voicemail. Today on XXXX/XXXX/2016 I received a call from XXXX which left a voicemail saying it was from corporate office asking me to call them about some appointment that I never made.
This company bought a debt that has been disputed and removed from my credit reports. There is NO CONTRACT or any evidence bearing my signature.
Dear Representative, Have requested Mortgage Servicer to correct mailing address several times during the year. Missing monthly statements. Also, requested information on modification.
Why did I received the below e-mail from Bank of America From XXXX Bank of America XXXX Subject : You have a new bill from Bank of America Credit Card To : XXXX Reply To : Bank of America XXXX E-mail noted " You have a new E-bill from Bank of America Credit Card. 

I HAVE NOT SIGNED UP FOR ON LINE E-BILL OR ON LINE BILLING. 

AGAIN, WHY DID YOU SEND THIS E-MAIL TO ME.
I received a credit report attributed to me ( my credit report ) from XXXX and Experian. The gross errors are alarming together with the facts that I am falsely accused of an address I never had ; a bank account at a bank I never had an account ; a spouse listed which I never had ; a middle initial I never had ; a similar name to mine which belongs to someone else and has the same middle initial but a different middle name ; and the list goes on. It keeps listing a student loan outstanding. I never, ever even had a student loan or used one. And the list goes on.
In XX/XX/XXXX my ex spouse requested to take her name off of a joint account ending in XXXX at the Chase branch in XXXX MI. The Chase branch manager said that by her doing this it would remove her access to my account. I was the primary holder. In XX/XX/XXXX I  was alerted to an approved electronic funds transfer being allowed out of my account to pay a Chase card ending in XXXX. I immediately alerted the Branch management team and they indicated that somehow my wife was still being allowed access through her own online portal to that account. I filed a claim for XXXX dollars the total amount of transactions Chase allowed from Ex spouse to transfer from the account to Pay her " Chase Credit Card ending in XXXX. I spoke with multiple resolution specialist who all agreed that I should be reimbursed as it was Chase error that they failed to shut down her online access to the account ending in XXXX that she was removed from in XX/XX/XXXX. After multiple attempts I was furthered directed to a person by the name of XXXX from Chase executive team who assured me on XX/XX/XXXX should would refer my matter to her legal team for review and final decision this was on an a recorded line. She called today and XX/XX/XXXX and indicated that even though Chase messed up they were treating as a fraud case and not an Chase error. And even though the Chase Electronic Funds Money movement team did transfer my funds to pay my exs spouse Chase card ending in XXXX She could had stolen my info anyway and paid it, so and I quote, " it was my responsibility to catch it! '' Are you kidding me!! If Chase didn't allow the online access to a customer who voluntary removed themselves from the account ending in XXXX the funds to transfer would have never of happened this is not fraud, this is negligence and So how is it my responsibility to make sure Chase as a banking institution in not allowing their customers who are not on an account to transfer funds from my account after they ( Chase ) initially told me taking the person off of my account would shut down the access to pay their credit cards in another person name!! It's pretty Ironic how they were ok with their own negligence because the authorized funds transferred they moved were to pay a Chase credit card. This is not Fraud its completely unacceptable and they need to step up and correct the error they allowed. I also have pictures of my ex 's portal with Chase still allowing her access to this account.
Over the years I have begged my student loan lender, Navient, for help with repaying my loans, particularly during times when I was out of work. There was no help, all they kept telling me was that there was nothing they could do. Even if I was a few days late with a payment, I would get multiple calls throughout the day, from early in the morning to late in the evening. The calls and lack of options significantly added to my XXXX levels. I have complained repeatedly that my balance never seems to go down even though I continued to make payments. I would be transferred to different reps who most of the time seemed as if though they were just telling me anything because they could not understand it themselves. I often felt hopeless and hurt. I borrowed {$11000.00} XX/XX/XXXX and now XX/XX/XXXX my balance is still {$9600.00}. I do n't understand and from all of the conversations with customer services asking for clarity, I came to the conclusion that I was not only screwed, but that there was no one with the company that pursued resolve and was genuinely interested in helping me. Learning about this site as a resource brings me some relief and I surely hope all that is just will come out of this terrible situation.
I acquired a copy of my credit report from all three credit bureaus in XX/XX/XXXX. I discovered an account called XXXX XXXX XXXX XXXX that was opened in XX/XX/XXXX. This account seems to be for an auto loan and has a balance of almost {$5000.00} USD. I contacted all three of the credit bureaus and reported this as Fraud. They conducted an investigation and disputed the information with the creditor. The results of the investigation came back and the creditor replied that the account is verified and belongs to me. I spoke to the credit bureaus again and they told me that if this account is really not your account, then I should start another investigation and this time the subject of the investigation will be Identity Theft. They also told me that if I submit a personal statement and obtain a police report. Then that can be included in the investigation as documents supporting your case for Fraud and Identity Theft. Once again the results came back with the same results and response from the creditor. I proceeded to resubmit a dispute to the credit bureau Equifax almost every single month. I also contacted the creditor multiple times and the last time I contacted them I was so frustrated and just wanted this inaccurate information off of my account I told the representative that I would just pay whatever money is owed so that they can be satisfied and remove this account from my credit report. I was told they can not do that and if I did that. The account balance would be reported as {$0.00} dollars but the account would still remain on my report until it falls off. In the meanwhile as I was dealing with this, I did receive a correspondence from the creditor with some kind of fraud questionnaire and affidavit. I filled out this information and sent it to them. 3 months have passed by and I didn't receive a single response. I find this company very unprofessional, it seems like they are just playing games and trying to give me the runaround. With the many investigations that I submitted against this creditor they have yet to send any proof that this account belongs to me. If they fail to do so then they are not legally fulfilling their obligation as a creditor in this situation. For more the account should be removed from my credit report immediately. This is causing me personal loss because this account is showing future creditors that I am irresponsible and present myself as potential credit risk for any and all future credit decisions.
I missed the cutoff times by a few minutes I was going through the mountains in Nevada wasn't able to log on to the internet unti XXXX Nevada time capital one has an unfair cutoff time at XXXX so people in the XXXX XXXX have less time to pay it they got the payment the day it was due and did not post it until one day after I always pay the day it's due and I talked to there reps and none of them care and supervisors are very rude I am never late but because of there early cut off time that's not fair they always get a payment on the day it's due something needs to be done about cspatial one cut off time and business practices
Unknown account which I do not owe. I have disputed with nothing received by this company. Please help
XX/XX/XXXX To : CFPB From : XXXX XXXX Dispute identity theft XX/XX/XXXX with company XXXX XXXX  XXXX XXXX XXXX left on front door due scam. I file report with FTC due First time home owner program Appointment XX/XX/XXXX credit report pull and Housing program clerk stated XX/XX/XXXX deadline date clear credit report of this XXXX matter with Merchants Acceptance XXXX XXXX XXXX XXXX XXXX. ID theft ruin credit report. XXXX