WillisBack/dataset-financial-user-claim huggingface dataset:
Received current credit report from XXXX XX/XX/XXXX. 
Capital One Auto Finance Car Loan Paid off in XX/XX/XXXX, due to be removed XX/XX/XXXX, Now they have updated it to remain on my report until XX/XX/XXXX. i have attached document showing update. 
Law states that creditors can use 10 year rule because of bankruptcy. i have never filed Bankruptcy in my life. 
I called XXXX today XX/XX/XXXX and spoke to someone named XXXX. He said he did not know anything about it and could not do anything about anything and that there was not way for anyone to directly contact Investigative Department, not even he could do that. 
I called this number because it was on my XXXX Credit Report as an option for me to get help. I got no help when i called the number.
North American Recovery calls about a debt I do not owe. They call family and friends, they call business numbers, and fish for additional information. They have been asked to stop contact, and they lie and deny they ever called at all, even with the caller IDs specifically identify them. I do not know what debt they are calling about, I do not have any. They are rude, they are abusive, and they are calling people they should not be contacting.
I have already asked them to stop contacting me because I no longer owe this debt. I sent them a letter back in XX/XX/2012 to verify the debt and to cease communication with me. It was a hassle to get them off my credit report. And today they are still trying to me a letter about settling the debt.
Account is reporting twice for the same account by XXXX different creditors. It is a paid account and reflecting in a negitive manner and I would like for ACS to please remove the account/negitive reporting from all XXXX credit bureaus. As I have spoke to one of ACS agents on XX/XX/2017 and was advised to send in something showing it was still reporting and they would have it removed.The documentation was also sent in the same day. Each time I write to ACS they send me back the same letter that I 've already responded to. which leads me to believe no one is reading the documents that are send in otherwise I would not get the same letter back asking the same question that was already answered. I will attach the letters that show the dates from ACS.
In late-  XXXX   I contacted  XXXX ,  XXXX  and   XXXX   with the following request. " Please remove the following derogatory report from my credit report : Bank of America Date Reported -  XX/XX/XXXX Payment Status - 120 Days Late Account Status - Derogatory Account Number -   XXXX   Account Type - Conventional real estate mortgage Original Loan Amount - {$260000.00} Date Account Opened - XX/XX/XXXX Date Account Closed -  XX/XX/XXXX  This property was sold via the HAFA program on a short sale. The short sale was approved by BOA in writing o XX/XX/XXXX and the transaction was completed on XX/XX/XXXX .
Since it has been over 3 years from the date of sale this should no longer be reported as derogatory. This was not a foreclosure, even though we were informed by BOA on  XX/XX/XXXX  that they insist on using the foreclosure code even for short sales. Unlike other homowners who lived for years without paying their mortgage, we only missed 10 payments between  XX/XX/XXXX o  XX/XX/XXXX , prior to the short sale, after the market crashed in  XXXX . This derogatory reporting should no longer be reported as derogatory. '' I initially contacted Bank of America who advised me that I needed to contact the credit reporting bureaus. It was interesting when I spoke with BOA because they said that my account shows a foreclosure, not a short sale. I offered to provide evidence of the short sale, but they declined, stating that even a short sale is listed as a foreclosure.
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I was told by BOA as well as licensed realtors that if I did a short sale it would be on my credit report as derogatory for three years. I feel I have either been lied to by both, or that BOA 's current practice is incorrect. I would really like to know rules or laws, if any, apply.
To whom it  may  concerns, I am writing regarding a few accounts that have been on my credit report with Transunion for more than 7 years. I have contacted Transunion many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Transunion has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Transunion and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Transunion because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX   )  XXXX   XXXX   XXXX   XXXX  ( I HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   PUBLIC RECORD : REFERENCE NUMBER  XXXX . THIS ACCOUNT HAS BEEN PAID AND RELEASED AND IT HAS BEEN ON MY RECORD FOR MORE THAN 8 YEARS.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :  XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Thank you
XXXX Are these the types of policies and responses Capital One CEO XXXX XXXX confirms? 
- Why am I being forced to continually address this issues and report wrong-doings - Why do we have a system that encourages inadequate responses and deceit with rules and regulations that have zero consequences for deceit and noncompliance. 

Dog and Pony show ; an elaborately staged activity, performance, presentation, or event designed to sway or convince people from a derisive term for a small circus On XX/XX/XXXX I filed a claim of fraud charges on my Capital One credit card # XXXX Case # XXXX I itemized each transaction I requested to card closed and replacement card issued I informed Capital One that I was in XXXX XXXX XXXX XXXX, Mi. and provided the phone number for anyone to verify this fact. 
I informed Capital One I had a XXXX XXXX XXXX XXXX XXXX for 9 days causing damage to my XXXX XXXX and XXXX XXXX therefore was XXXX XXXX XXXX, I informed Capital One my Doctor said it could be weeks or months before XXXX and XXXX XXXX healed. 
On XX/XX/XXXX Capital One representative XXXX XXXX, responded but without addressing two ( 2 ) primary requests a. ) close the credit card b. ) reissue a replacement meant card as required per our contract 8. As of XX/XX/XXXX I have not received or been informed a replacement card had been sent 9. On XX/XX/XXXX I signed on to my account to check for any messages addressing the replacement card and could not find any. I also checked my email, but again no messages 10. Capital One offers live Chat therefore used the chat and the representative refused to answer my question on a replacement card and informed my i must call.I again expressed to the live chat representative I had just came home from hospital, had damage to my XXXX  and XXXX XXXX and XXXX XXXX XXXX. 
11. The representative was unapologetic again refused to address my question and deliberately disconnected us. 
12. By these actions any reasonable person would agree that Capital One is refusing to discuss this situation with me unless I call them. 
Note : there is nothing in our contract agreement stating calling is the only form of communication 13. It seems Capital One does not want to respond in writing because they do not want a written record and the only reason for this is intentions of wrong-doing by Capital One
10 years ago, I had credit card debt amount of {$13000.00}. In order to pay for this loan I started my own business having mutual agreement with the partner business giving me the inventory with 0 % down and paying for the inventory as the item sells. However all of sudden the partner business demanded money for all the inventory within my business. So I had to give up all of the inventory to the partner business and close the business within 4 month. However the partner business demanded about {$12000.00} more even though I returned all the items back. I tried to renegotiate the terms with my previous partner and my credit card issuer, since it was very unfair for small business owner like myself, but they were going to file a lawsuit on me and I could n't afford a legal action so I backed out. With this I started working full time as a taxi driver in order to pay for {$12000.00} to my previous partner business and {$14000.00} ( due to interest ), however the credit card interest were too high I was n't able to pay for both debt and I had to file bankruptcy.
CONN'S APPLIANCE HAS RECEIVED ALL THEIR MERCHANDISE FROM ME. CONN'S TOLD ME THAT WHEN THEY PICK UP THE MERCHANDISE THAT THEY WILL ACTION OFF ALL MERCHANDISE AND THAT I WOULD HAVE TO PAY THE REMINDER BALANCE ON THE ACCOUNTS. ONE OF THEIR EMPLOYEES THAT CAME AND PICKED UP MY MERCHANDISE STATED THAT CONN'S DOES NOT REALLY ACTION OFF MERCHANDISE THEY JUST THROW IT AWAY AND SAY YOU OWE THIS CERTAIN AMOUNT. SO I HAVE REQUESTED CONN'S TO SEND ME THE INFORMATION SHOWING THE AMOUNT THAT THE MERCHANDISE WAS SOLD FOR AND THE REMINDER AMOUNT THAT IS LEFT BUT THEY HAVE BEEN UNABLE TO PROVIDE THAT INFORMATION. THEY ALSO ARE REPORTING TO DIFFERENT LATE ACCOUNTS. ONE IS SHOWING AS REPOSSESSION ACCT#XXXX AND THE OTHER ACCOUNT IS SHOWING CHARGED OFF AS BAD DEBT ACCT#XXXX. THESE ACCOUNTS ARE REPORTING INCORRECTLY I HAVE TRIED TO CORRECT THIS WITH THE COMPANY BUT THEY WILL NOT WORK WITH. I'M ASKING THAT THE CORRECT INFORMATION BE PROVIDED OR EITHER ALL ACCOUNTS BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
This info is incorrect please remove from my record DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. XXXX. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO ( R ) Credit Score. Your credit report shows recent missed and/or late payments with creditors.
XXXX XXXX reported a hard inquiry on my XXXX report. Someone may be using my info to open a credit card. Will you look into it for me? It may be Sears. Thank you. XXXX! XXXX XXXX XXXX XXXX
XXXX   XXXX   XXXX   XXXX   XXXX   sent my account to collections for the full amount of the lease breaking fee, however, they did not deduct any of the payments I had made previous to my account going to collections. I paid the amount I truly owed within 30 days of account going to collections  XXXX  at   XXXX   XXXX   XXXX    XXXX   XXXX  said she would contac t National Credit   Systems to le t them know I do not owe the {$230.00} that is left. I am still being billed and threatened credit reporting of the {$230.00}. I have called the collection agency numerous times and "  XXXX  '' has never called me back or started taking any steps to rectify the situation. As of today, he stated he did call me back and I never responded. I asked where he was calling because I never received any voicemails. He said he is not sure where he called. He said their calls are recorded and that is proof he called me. I asked for a copy of the recording and he said I have to subpoena it. I have called and spoken to  XXXX  at The  XXXX   XXXX   numerous times who said she has cal led National Credit Systems  and she is not sure why they are still billing me. According to  XXXX  my record does not show that she called them at all.
I have autopay that pulls monthly on the XXXX. I pay extra each month to the highest interest rate loan. I have it in my settings to not advance the due date. Navient 's autopay pulls the same amount each month, even if the statement shows I owe less. The autopayment and statement difference is sprinkled across all my loans, putting as little as less than {$2.00} on the highest interest rate loan, because Navient advances my due date on whatever loan I pay extra on, even when I direct it not to. This has been happening since XX/XX/2018. I called the first time XX/XX/XXXX, and they backed my due date up so my autopay would be applied appropriately. I called again on XX/XX/XXXX, and the agent was not helpful, and told me I'm not making my payments correctly, and switched my settings to pay on the highest balance, which is not what I want. While currently that would apply the extra on my loan to the highest interest rate, it won't be correct for long as I pay extra each month.
Im not sure the name of the company put they took the car back ... they told me if I wanted to return it would be off my credit I returned the car with no problems and its still on my credit
I had a credit card account with BBVA compass bank which was opened in XXXX. 

1. There was a {$93.00} outstanding balance on the card in XX/XX/XXXX, for which I did not receive a bill and which BBVA compass posted as a late payment on my credit report. 

2. The outstanding balance only came to my attention following the damage to my credit report. At this point, I wrote a check made out to " XXXX XXXX '', as per the instructions of the bank 's collection department. The amount of {$93.00} was deducted from my XXXX XXXX XXXX Checking account on  XX/XX/XXXX. 

3. My credit reports were fixed to reflect that my BBVA compass account, which was a " Failure to pay '' had been updated to " paid as agreed '' status. 

4. In XXXX, XXXX and XX/XX/XXXX, I received emails from BBVA compass stating that my online bill was ready to view. 

5. I had earlier called compass bank and asked them to stop contacting me. The person on the phone could not confirm that the account was closed and was unable to acknowledge that I had paid the outstanding balance of {$93.00}. 

6. If I do not stop receiving unwanted email contact from BBVA compass, I will consider it email harassment and seek legal recourse in accordance with the laws of my state.
I was told on XXXX XXXX, 2016 that my checking account at BBVA Compass Bank was being closed due to an unrelated issue and I agreed. I inquired as to the procedure to cancel a direct deposit and was told to contact my employer directly as no further depozits would be accepted into the account ; which I did the same day. Unfortunately the deposit came thru anyway due to insufficient notice time to cancel the deposit and reroute to my new bank. Once the deposit initiated, BBVA allowed the deposit to be placed into the supposedly " closed '' account but still refused me access to any money, although clearly the account had not been closed, now they are telling me that the account has been frozen for three weeks. this is clearly not the case as I have been able to log on BBVA 's online and mobile banking on my phone as well as continue to call into the customer service and access my balance over the phone thru the automated as well as thru speaking with a customer service agent. If the account has been frozen, no entries into or out of thean account would have been allowed and the direct deposit ach would have been rejected back to my employer. My employer even attempted to retrieve the deposit back and was denied stating that the money was not there and I have written confirmation of this. As of today, XXXX XXXX, 2016 I am still being lied to regarding the status of this account as well as being lied to about a check being process - along with being able to view the money in the supposed closed account as an active account would show, my access to transfer or remove the money has been supended. Because this is my paycheck money and only a partial payment ( I only get paid monthly as a XXXX ) and now am being forced to wait until XXXX XXXX, 2016 to receive my next pay deposit ( into the correct bank account with XXXX XXXX ) - this situation is causing me undue financial harm, my bills are going unpaid because BBVA Compass is an unscrupulous bank who has thus far been totally unresponsive, or has told lies/untruths about the whereabouts of my money. I am asking that a formalcomplaint be opened against BBVA Compass Bank asap. Thank you.
I brought in my information and was approved for a payday loan at AMSCOT located at XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX The cashier had an attitude. I asked her for an EPP because I wanted to take my time paying it back and the manager entered the conversation and told me ok. She came back 10 minutes later with a letter that refused to give me the payday loan for XXXX. They then told me happy birthday as I walked out.
American Express is not abiding by the disclosure requirement in the Credit Card Accountability Responsibility Disclosure Act of 2009 involving Applying Payments. 

Per XXXX giving a narrative on this stipulation : Highest interest balances paid first : When consumers have accounts that carry different interest rates for different types of purchases ( i.e., cash advances, regular purchases, balance transfers or ATM withdrawals ), payments in excess of the minimum amount due must go to balances with higher interest rates first. A common practice in the industry had been to apply all amounts over the minimum monthly payments to the lowest-interest balances first -- thus extending the time it takes to pay off higher-interest rate balances. 

I have called American Express asking them about this, and a representative informed me that they do not always follow the above stipulation. The call was recorded on their end as they have previously stated, so the individual making this comment is on tape. American Express did not apply the excess amount of the {$750.00} payment I recently made to the Cash Advance Balance but instead appeared to apply it completely towards the Purchases balance even though Purchases have an introductory Interest Rate of 0 % for 12 months. The minimum payment due was {$170.00}. {$580.00} should have gone towards the Cash Advance Balance, which either less or none of that amount went to the Cash Advance Balance. 
No agent I spoke with at their organization was able to answer as to why this happened.
On XX/XX/XXXX I obtained a copy of my XXXX credit report and noticed for the first time that " Perfection Collections '' had reported a delinquent collection account on behalf of XXXX  since XX/XX/XXXX. My XXXX account has at all times been current. I contacted XXXX  the same day, who indicated my account was not in collections. On XX/XX/XXXX, I contacted XXXX at Perfection collections via e-mail and phone ( XXXX ) who said the debt was from XXXX  and XXXX tried to tell me XXXX opened a new account for me and this was for a different account at the same address. My XXXX   account has never changed. On XX/XX/XXXX, I contacted XXXX collections department. XXXX did an investigation. OnXX/XX/XXXXXXXX called me and said " XXXX  NEVER placed my account in collections and further that Perfection Collections is NOT among the debt collection agencies used by XXXX  ''. XXXX  then contacted Perfection Collections to resolve the issue, but kept getting the Perfection Collections voicemail.

To date, I have never received any written notice of debt or even a phone call from Perfection collections. I would never have known without my credit report. My score has dropped by over 80 points because of this erroneous debt being reported by Perfection Collections.
It is very clear that Equifax and XXXX are providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX XXXX XXXX XXXX
My BANKRUPTCY was Approved on XXXX XXXX, and besides my Bankruptcy being on my CREDIT REPORT, there 's XXXX Collections from my Bankruptcy, that are on my CREDIT REPORT separately and I owe nothing on all of these XXXX Collections from Medical Reasons. 
The Company that did my Bankruptcy is know Bankrupt and went out of Business, so I ca n't get ahold of my Bankruptcy Lawyer to ask him how to remove these Collections from my CREDIT REPORTS.
The following debts have been paid and nothing is owed to Heathcare Collections d/b/a XXXX Acct # XXXX - {$180.00} paid in full - see attached documents Acct # XXXX - {$180.00} paid in full - see attached Acct # XXXX - {$140.00} paid in full - see attached All of these accounts have been paid off through my bank account ACH
COLLECTOR KEPT CALLING ME AT HOME AND CELL PHONE 11 TIMES AFTER CEASE AND DESIST COLLECTIONS DEALING WITH XXXX MYSELF ( SEEPAYMENTS ) AND VALIDATION I I FURNISH XXXX XXXX, XXXX. SEE CELL PHONE CALLER I.D..
A name listed incorrect XXXX Never used any name like XXXX An Address wrong : XXXX XXXX Al XXXX Ex wife 's address Some Phone Numbers wrong XXXX number unknown XXXX unknown
I opened my account with Regions bank back in XXXX 2015. This is n't my only bank account I currently have XXXX XXXX XXXX and XXXX XXXX. Regions seems to the be the only headache and this why since I opened my account more than 6 months ago I have encountered over XXXX $ in overdraft fees. Till today I have had ENOUGH of it. On XXXX/XXXX/2015 around XXXX my account had a balance of negative XXXX XXXX dollars and change. So I went to the bank and deposited {$40.00} my balance was {$3.00} today in the morning I made a payment to XXXX XXXX XXXX of {$200.00} when I go to the bank to deposit the money I see that I have {$210.00} in NSF. From transactions that happened back on FRIDAY it 's TUESDAY. And okay I understand merchants take blah blah blah days to withdraw money from your account. But in my account it shows that these transactions ( 6 of them places like XXXX, etc. ) where posted XXXX/XXXX/2015 and that NSF was charged XXXX/XXXX/2015. REALLY? REALLY? REALLY? when I went to the bank at XXXX on XXXX XXXX, 2015 and your supposedly cut off hours are XXXX? 

My receipt printed with a {$3.00} POSITIVE BALANCE! 

These NSF are completely unfair, your online application completely and utterly sucks. 

So basically what I am trying to say is how if I went to the bank on Monday at XXXX and have a balance of {$3.00} I wake up with a NSF of XXXX in less than XXXX hours with out any warning that my account may be come over drafted, or ONE at least WARN ONCE before charging 6 over drafted fees. Regions shows you that you XXXX dollars left but not the pending transactions, like in this case I went to XXXX Friday @ XXXX and this showed up sometime Tuesday XXXX XXXX, 2015. 

I have called regions multiple of times, I have gone to the branch and until today that I got really mad no one was giving me answers like the famous " Opt-In over draft protection '' or explaining to me that the balance that I see on my phone is n't the correct balance that their might be missing transactions. And your own employee said that they only had regions for payroll, because quote on quote " You people are a mess '' The way I see it is regions does n't try to protect their customers from overdraft they do n't fully discloses ways to help you or add an over draft protection.