WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. 

My report dated XX/XX/XXXX reported 14 90 day lates. But then on my report dated XX/XX/XXXX the information changed to 31 90 day lates. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point difference between XXXX and XXXX. At a minimum I am requesting that this company report to XXXX the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from XXXX allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screens of my XXXX and XXXX credit reports showing the difference in reporting which is causing the XXXX credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the XXXX score and the XXXX score ( Fico reason codes ) is that XXXX is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if Capital One is deliberately misreporting this item ( with recent delinquent activity ) on XXXX in order to damage my credit score. 

Several months ago I negotiated with Capital One and paid off the outstanding balance and as a part of the settlement agreement they agreed to remove the payment history which they did follow through with on my XXXX credit report however they did not on XXXX  and you can see the result in my credit score disparity as explained above.
I disputed the accuracy of the Chapter XXXX Bankruptcy listed on my credit report since the information is not correct. I disputed the information ( entire record ), and it came back verified. My initial dispute was online, so I thought possibly a letter would garner better response. That is not the case. Shortly after my dispute was verified, I mailed a request to Experian to provide me with the method of verification and supporting documents they obtained from the bankruptcy court to validate the debt that would permit it to stay on my report ( as I was requesting it be deleted ). I did n't receive any response to my first letter, however, I failed to make a copy of any postmark that would substantiate I mailed them something. On XXXX/XXXX/15, I called Experian at XXXX and spoke with a dispute representative, XXXX. I requested the verification information again and he said that Experian would have called the court directly to verify the information ( since I had intimated that I knew the information was verified through a third party database, and not the original creditor ). He said he could not provide me with any verification documents as Experian is not required to provide that to the consumer. I told him I would be sending another letter to get the documentation that verifies they disputed the information directly with the original creditor, as well as going to the CFPB with a complaint since they ( Experian ) are not in compliance with the FCRA and since the record was not verified with the original creditor and, therefore, it must be deleted from my report. 

Prior to mailing the XXXX/XXXX/15 final letter requesting verification, I called the Bankruptcy court in XXXX XXXX NJ as a final check of all of the information I had gathered at XXXX. I asked to speak with the person who verifies credit reporting information to the XXXX bureaus. The person told me that court does not get involved in disputes and certainly does n't verify any information via the phone. She confirmed that any information reported about a bankruptcy to a person 's credit file is done through a third party system which does n't even list complete socials. She said verification is just not done by the courts ( via phone, letter, etc ). She said it would require the case to be re-opened to release any information and she hung up. 

I called myself to verify the information and I was not able to. I was flat out told by the original creditor that they don't/ wo n't verify credit report listings. I am trying to understand how the inaccurate/unverifiable record can remain on my report for a number of years? Please find attached my latest letter to Experian in an effort to have the listing removed from my report.
i sent {$30.00} USD to someone to pay for art over paypal. Previously, they have sent the art, however this time it has been over 30 days, i have tried contacting this person, and they keep putting me off.
I rencently XXXX my dad last year and my mortgage provider XXXX XXXX refused to help me. They sent me to select portfoilo servicing in XXXX of this year. I opened a died in lieu in XXXX XXXX of this year and they have given me the run around i keep calling them and they keep telling me the investor on my case needs to sign off on it. they keep telling me to call back i just want to sign it over to them..
This is in reference to the dispute I have with way point at experian and XXXX. This is a copy of the theft report for you to have on file.
Navient Constantly miss places my documents and in the mean time they wo n't help me to lower my payment and will not help with anything. The only thing they said they can help is to put it on hold but in the mean time my interest rate just adds up making my loan almost impossible to pay off.
I received a letter from  ARS tha t was supposed to be validation of debt. Instead I received a paper with a misspelled name, a date, invoice number and amount. My HIPPA rights are being violated because I 've never entered into any type of agreement or receive d medical services with or from ARS. They did  not provide proof of the debt ither.
I filed the below complaint with the CFPB on XX/XX/XXXX. My mortgage servicer, Ditech Financial LLC, responded that I will need to reaffirm my debt following discharge of a CHAPTER XXXX bankruptcy in order to rectify my credit report, which does not show any mortgage nor payments to the same, and to reinstate detailed monthly statements versus informational ones. 

Unfortunately Ditech 's response seems to have been given without reading my complaint - I can think of no other explanation for why it was so totally off base. The key point, which was somehow completely missed by the responder, is this : I FILED CHAPTER XXXX BANKRUPTCY, NOT CHAPTER XXXX. This and all other needed details are provided below in the original complaint, which I am hopeful will be rectified this time : I filed for Chapter XXXX bankruptcy approximately XXXX and the bankruptcy was successfully discharged XX/XX/XXXX. In spite of this, Ditech still has my mortgage account listed under bankruptcy status, which means my home loan, which I 've paid faithfully since filing for bankruptcy, does not even show up on my credit report. It also means that I receive only " informational '' mortgage statements every month from Ditech - these list only the monthly mortgage amount owed and do not contain other detailed information on my home loan, such as the balance, etc. 

I have tried to resolve this issue multiple times in the last few months by contacting Ditech at XXXX. Every time I call, I am routed to XXXX who acknowledges that my account needs to be " recoded '' to reflect the successful discharge of my bankruptcy more than one year ago so that my credit report can be updated and full monthly statements can be resumed. Staff then explains that only Ditech can do this recoding and " elevates '' the issue to Ditech so that they can take care of it. 

As of today, my request has been elevated to Ditech FOUR TIMES ( over the period of a few months ) and they have yet to respond and recode my account. 

I am at a loss for what else I can do at this point and I 'm hoping that Ditech will resolve the issue upon hearing from you, as my continued attempts have obviously been ineffective. Thank you for your attention to this matter.
Equifax had a data breach in XX/XX/XXXX in large part because it maintained consumers ' credit and personal information in a negligent manner. Initially, Equifax offered a free credit monitoring services called XXXX   XXXX. In the fall of XX/XX/XXXX, Equifax notified me that it was ending XXXX  and offering me a free alternative credit monitoring service called myEquifax. However, Equifax stated in the FAQs about this change that if anyone had a freeze on their Equifax credit file, that freeze would be unfrozen when XXXX  was ended. As one who has maintained a credit file freeze for the last 20 years, I was effectively forced to enroll in the free myEquifax program to restore the freeze on my credit file. Unfortunately, the myEquifax software did not and still does not work to restore the freeze on my Equifax credit file. In addition, the work-arounds Equifax offers to consumers when the software does not work also failed because the Equifax customer service staff members also can not get the software to work to re-freeze my Equifax credit file. Yes, Equifax customer service staff members talked to me on the phone and sent a special PIN through the mail, but myEquifax still does not enable me to re-freeze my Equifax credit file and the Equifax customer service staff also can not re-freeze it.
I HAVE SENT EQUIFAX AT LEAST 4 CERTIFIED LETTERS ASKING THEM TO VERIFY 2 ACCOUNTS ON MY CREDIT REPORT, ONE IS FROM XXXX XXXX I HAVE SENT THEM 2 LETTERS CERTIFIED MAIL AND THEY DID NOT RESPOND. HOW IS IT THEN THAT EQUIFAX IS STILL REPORTING AN UNVERIFIED ACCOUNT. THAT IS AGAINST THE LAW I HAVE ALSO SENT XXXX XXXX 2 SEPARATE CERTIFIED LETTERS TO VERIFY THIS ACCOUNT. THEY HAVE NEVER RESPONDED. YET STILL EQUIFAX CONTINUES TO REPORT IT AS VERIFIED. THEY HAVE SENT ME NO PROOF OF THIS DEBT AND THE LAW SAYS IT MUST BE REMOVED. EQUIFAX REFUSES TO REMOVE IT AND INSTEAD KEEPS VERIFYING IT. THAT IS WRONG AND AGAINST THE LAW. I HAVE KEPT METICULOUS RECEIPTS FOR THE PAST 60 DAYS AND THEY HAVE BROKEN THE FAIR CREDIT REPORTING ACT BY CONTINUING TO REPORT THESE TWO ACCOUNTS THAT HAVE NOT BEEN VERIFIED. WHAT IS THERE PROOF OF VERIFICATION. IT NEEDS TO BE REMOVED IMMEDIATELY.
This company First Credit Services XXXX XXXX XXXX is on my credit report. I dont know anything about this debt from this company. Where did this come from? Who are these people?? The amount they say I owe is {$800.00}. I am a victim of Identity theft. I recently froze my account with all three of the credit agencies. My social security and Identification was stole a year ago.
Hi, I have a bank account with Wells Fargo and I know from time to time I have let things overdraft. But, there are times when I felt like they would hold something back like a check and wait till I was almost out of money so I would overdraft and they they could collect the fees they charge. At {$35.00} a pop it adds up, and I live on one check a month. The bank has all my statements on file, but I know they can alter them if they altered those accounts. What do I have to do to find out if that 's what happened? Thank you
On XX/XX/2018 I dropped off a XXXX foot boat with a XXXX XXXX XXXX to XXXX XXXX to have the idea issue repaired. XXXX indicated that the electric primer was the problem and it was dumping fuel into the carburetors. They replaced tis item and also did work on all four carburetors. XXXX did call and explained what they found and I indicated that if thats the issue with the idle then repair the problem. The bill was {$900.00} for replacing the needle valves and seats in all carburetors, the fuel enrichment solenoid ( primer ), clean and adjust all carburetors. Then they stated they set the idle. 
I picked up the boat on XX/XX/XXXX and when I took the boat out to use the motor would not idle at all. I called and indicated the problem and XXXX agreed to look at the boat and motor again. I was insistent that when finished that we take the boat out on the water with the mechanic to test ride the boat. This is because they could not solve the problem the first time and its not an unreasonable request to insure a motor is functioning properly. Wilsons would not do a in water test. When XXXX called me back they stated that the problem is there is a lack of fuel coming from the tank because the primer bulb was collapsing when the motor was running. I told them to take an air line and test the fuel line. They stated they can not because of a one-way valve in the line. I told then to take XXXX valve out and check it then. They refused to do any more work on the boat. 
I ended up taking the boat to a friend of a gentleman that I work with to have the problem fixed. This was strictly a cash transaction and I trusted my friend and the person who worked and eventually fixed the problem. 
There was no fuel delivery issue, as the next mechanic stated if there was all that fuel coming out of the carburetors as XXXX indicated how could the flow be restricted. What he also found was the needle valves and seats where from the wrong outboard no mine, they had to be replaced with OEM parts. The primer solenoid or enrichment solenoid as XXXX called it was not the issue either. The mechanic tested the old part and it worked fine. 
So I called my bank and filled a dispute Because I have an issue with the quality of goods or services provided by XXXX XXXX. XXXX, they put parts into the motor that did not need replacing. This only added to the bill. Finally, they refused to water test the engine. The motor will run differently out of the water as apposed to sitting in the water. The outboard needs to draw water up into the motor to cool it off, this puts a load on the engine and the idle and carburetors must be adjusted to account for this. XXXX never did this and refused to do so. There is and never has been a fuel delivery issue. The primer bulb can be squeezed and will recover properly. I can take a picture of a collapsed primer bulb and state the same thing that XXXX did. It proved only that the primer bulb XXXX if it was even mine ) was collapsed at a single instance in time. Not on going as they state. 
XXXX over charged, fraudulent charged for services and parts that were not needed.
I sent PORTFOLIO RECOVERY a letter asking them to verify this account belongs to me. They sent me old XXXX XXXX statements. THIS is not what I ask for. I want the Original contract from me and XXXX XXXX with my signture etc. If they can not give me this, please removed the account OFF my credit reports ASAP. I sent many letters and they have yet to provide proof. 

PORTFOLIO RECOVERY # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$4000.00} Date Updated : XX/XX/XXXX Original Amount : {$4000.00} Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due : {$4000.00} Pay Status : >In Collection<
Citi sent me two letters saying that I may of been enrolled without me consent in a Credit Protector and was charged a monthly fee. when I try to go to www.Citi.com/RefundInquiry the site jumps you all over  from tax refunds to other government refunds available. Citi has now sent me a FINAL NOTICE of filing for refund with the same web site and same results.
According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by TransUnion, XXXX and XXXX : Beginning XXXX XXXX, 2017 public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted TransUnion, XXXX, and XXXX on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.
spoke with XXXX on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on XXXX  and XXXX | Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or XXXX
I requested the report from Transunion last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them.
On or about XX/XX/2018, I called Bank of America about using an access check to pay for my daughter 's baptism reception. I asked the rep, " If I used the check, would I get the points? If not, I will just pay cash ''. The rep got off the line to speak to a supervisor and came back and said yes. It is on a recorded call. When the check went through, the points did not appear. When I called back on or about XX/XX/2018, the rep stated that they previous rep should not have said that, but that they would give the points as a courtesy and honor what they had told me. Again, this is on a recorded call. On XX/XX/2018, I called the bank to ask why the points have not appeared. The rep ( who was not friendly at all ) stated the request was denied. And, the rep denied my request to reverse the {$180.00} transaction fee in exchange for not providing the points. 

I have been a long time customer of the bank and have never been treated this way. I would not have used the check if I had known they would treat me this way. They should be held to honor what they represented to me ( give me the points ) or reverse the transaction fee.
This letter is to dispute a Atm error on my account in the amount of {$740.00}. The amount is inaccurate because the ATM didnt dispense any funds. The transaction is ATM Withdrawal ( Transaction ID : XXXX ) XXXX/XXXX/17 is the date of the transaction. The amount is {$740.00}. I requested {$740.00} but didnt receive any cash. Please correct this ATM error as soon as possible.
On XXXX XXXX, 2016 I attempted to use my debit card to purchase gas for my car and it declined. When I called the debit card customer service line, they informed me that there was a fraudulent transaction for XXXX dollars and some change. I was then told that my card was indeed blocked and that I would be mailed out a new card in 2 business days. I also advised that my online account could not be unlocked until I received my new card. I then called back on XXXX to be transferred to the fraud department. At this time I was told that my card would be mailed in XXXX to 10 business days. I called again on XXXX to make sure my card was mailed out and to ask about automatic payments i have leaving my account. I was assured that my account was blocked and no one could charge my card. On XXXX when I called I was told again that my card would be mailed in XXXX to 10 business days. I was also told that my card had been charged the remaining balance to XXXX dollars fraudulently. I asked the representative how this happened as I was informed on XXXX that my account was blocked. The Rep. then transferred me to their fraud department to seek more information. I spoke with a gentlemen in the fraud department that then advised me that I was not the person my account stated I was. He stated that public information and my account states that I am a woman and that he did not believe I was who I had said I was. Again this is after I verified all the information that was asked of me several times and after I was given access to my online account after the bank blocked the account. The fraud representative asked me to verify my last XXXX digits to my cell phone and then he would call me back to make sure I was who I said I was. He hung the phone up and never called me back. I am now being told that I can not file a fraud claim on the over {$400.00} in fraudulent transactions that were made on my account because the bank refuse to acknowledge that I am the account holder even after I verified all the information needed to access my account.
I responded to a summons requesting verification of the auto being disposed of in a " commercially reasonable manner '' of which will be attached, and the outcome was set for trial XX/XX/XXXX The petitioner of the case : XXXX XXXX XXXX, for Reliable credit filed a request striking the trial date XX/XX/XXXX. To date, XXXX parties in this action are reporting to credit bureaus that i owe XXXX parties and this has caused damage to my credit when i tried to purchase a mobile home XX/XX/XXXX.
Twice in XXXX 2016 I was charged a {$20.00} " cash equivalent fee '' and {$2.00} minimum interest charge ( with interest ongoing ). These are associated with XXXX routine transactions which are not in dispute. Elan Financial Services told me : " Your transactions to XXXX XXXX XXXX XXXX XXXX XXXX for {$25.00} and for {$17.00} were processed as cash equivalent advances. Cash equivalent transactions are assessed a fee of {$20.00}, or 4.00 % of the advance amount, with no maximum, whichever is greater. Cash equivalent advances include wire transfers, travelers checks, money orders, foreign cash transactions, casino gaming transactions, betting transactions, and lottery tickets. '' However the transactions were not for any of those cash equivalent advances : they were for routine fee for service shipping services. I have requested those charges be corrected. Elan has refused.
REGARDING XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX SR LOAN MGR I. HAVE BEEN TRYING TO GET A COPY OF THE CREDIT INQUIRIES OF THE INQUIRY SINCE XX/XX/2018 AND IF WAS APPROVED OR DENIED BUT HE IS ACTING XXXX IN HIS EMAIL BACK TO ME. STILL NO COPIES RECEIVED AS OF XXXX XXXX
I've requested since XX/XX/2018 that Experian provide all documents regarding this loan. Account # XXXX XXXX XXXX XXXX XXXX. My concern is I don't remember signing a loan for {$13000.00} as reported by Experian as the original balance. Or the other amount reported of {$9600.00} as the credit limit or original amount. All my disputes for this accounts have come back as validated. If this is a consolidation I need proof of all loan documents with my original signature, dates of loans, and schools. A promissory note isn't proof of loans.
XXXX keeps adding balances and subtracting balances from my accounts. this is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set to current. As soon as i contacted XXXX my loans were put back in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices.
I transferred money from my IRA to my checking account both at Bank of the West. BoW failed to transfer the funds and wrongfully dishonored three checks. B o W did reverse fees but refused to compensate me for costs incurred and damages suffered.