WillisBack/dataset-financial-user-claim huggingface dataset:
. When I requested the same information from the XXXX XXXX XXXX XXXX account which was over 7 years old they provided the information that I needed, and I was n't responsible. Therefore, I naturally requested that same information from XXXX XXXX upon closing the account. XXXX XXXX customer service/debt collectors continued to resist providing any information regarding ownership of the business account. XXXX XXXX provided, no letter 's, nothing on federal guideline facts. I 'm now just being informed of this federal guidelines fact on Friday XX/XX/XXXX, why was n't I informed of this fact upon on closing of the account? The reason I decided to stop using XXXX XXXX was poor customer service from your global locations, and it 's had to find places that take XXXX XXXX in XXXX. XXXX XXXX debt I paid that immediately when that showed up on my credit report. I yearly use and pay of XXXX Dollars in Credit. I pay my bill 's on time and I have an impeccable payment history. I will not stop, until this it 's been removed from my credit profile, and that has to happen immediately, if not I shall seek compensation. CFPB Ref No : XXXX Ref : XXXX Subject : Your XXXX XXXX XXXX Business Credit Card Ending in XXXX Account Liability Credit Reporting Dear XXXX XXXX, Account Liability We are required to retain copies of applications for a period of 25 months according to federal guidelines. Our records reflect that your account was opened on XXXX XXXX XXXX. Therefore, we are unable to provide a copy of the application you submitted for this account.
I filed an dispute with Capital One Bank on XX/XX/2016, XX/XX/2016 and XX/XX/2016 and I not received an response back. 
This is what I said in my dispute. 
" First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, and Capital One Bank. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to report this purported debt to the CRA, such action will be in violation of the Fair Credit Reporting Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization. Your answers were condescending and I WILL be sure to report this negative response to the OCC, CFPB, and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DID NOT ever had any contractual obligation to pay YOU, at this point as you have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. 

Your compliance with my demand that you remove this item and discontinue collection attempts is anticipated. 

Capital One never responded to all of my disputes.
On XXXX/XXXX/XXXX Southern Credit Recovery Inc. reported to XXXX, XXXX  and XXXX I had one account in collections for {$100.00} dollars, I have no knowledge of said account and I do not owe Southern Credit Recovery Inc anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Southern Credit Recovery Inc or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Southern Credit Recovery Inc are a clear violation of the Fair Debt Collections Act.
I am requesting that Southern Credit Recovery Inc remove this collection account from each of my credit reports.
I got the Capital one 1 % cashback credit card. None of the paperwork or online statements indicated at all that their is a yearly membership fee, I called prior to activating the card and again just before the first bill came due to ask both times if their were to be any kind of charges other than what I charged both times by phone they said no then my bill includes a XXXX dollar annual membership fee for having their card, no one told me despite several opportunities in writing or by phone that I would have that charge I did not agree to that charge and they refuse to remove it saying by activating my card I accepted the charge, their was never any kind of warning that I would have a membership fee, I will pay it, I know it is common to have a yearly fee on all financial accounts but the shady way they just throw it at you is really very unprofessional, and I am not sure it is even legal.
Reached out to the 3 Major bureaus in regards to a repo that's showing on my reports that is not mines, advised Transunion, XXXX, and XXXX and nothing was done, I even received paperwork from the company. Attaching it along with this document, Ijust want this removed its hindering me, this repossession is not mines and I'd like to get this handled in a timely fashion if possible.
The dates contained in my credit file for Midland Funding LLC are incorrect. The date shown in the file is for a account with XXXX XXXX XXXX  and not Midland Funding. The XXXX XXXX XXXX  account was closed by the original creditor and the debt forgiven. Midland Funding LLC is in direct violation of the FCRA. Midland can only report debts that is owed to the original lendor or Midland. XXXX XXXX XXXX forgave the debt therefore XXXX XXXX no longer owes XXXX XXXX XXXX. Midland Funding is still pursuing the debt after the original lender dropped the debt. In accordance with the FCRA Midland must produce documentation that XXXX XXXX has made an agreement that he owes a debt to Midland consistent with the dates within the credit file. If Midland can not produce documentation showing an agreement between them and XXXX XXXX the item must be removed or I will file a suit in Civil court against the credit agency and the debt collector.
I had terminated a XXXX contract inXX/XX/XXXX and confirmed with them that I no longer had any balance on the account, after which I moved out of the country for a short period. In XXXX of XXXX, I began receiving debt collection calls on behalf of XXXX and was informed it was due to an unpaid balance of {$82.00}. 

I called XXXX and worked with them to find out they had erroneously left charges on my account that I was not aware of. When I asked why they had n't reached out via email, they said they 'd attempted to reach me on the disconnected number ( why, I 'm not sure ) and that when they could n't reach me they sent the debt to collections ( I C Systems ). 

Now, XXXX claims that it 's now " out of their hands '' and that I have to work with I C Systems. However, when I call them, they just repeatedly tell me " pay us '' and refuse to work with me otherwise. This has negatively effected my credit and my ability to obtain a line of credit that I would otherwise have been able to get. It 's very frustrating and am hoping that someone can provide some assistance.
Had Fraud on my checking account for a couple of months that caused my payment to JCP to be  returned and late in the amount of {$160.00}. I submitted the documents to XXXX XXXX, spoke to them on the phone and all I continue to get is letters in the mail that does not resolve my issue. They waived the late fee and stated that since it was a bank issue do to fraud that they would remove the 30 days late. It still appears as 30 days late on my credit report and I have been denied credit numerous times because of it. I am asking that they remove the 30 day late marker on all 3 of my credit reports.
I have had an credit card account from 2003. After I have obtained my credit card account the original bank of XXXX was merged into Bank of America. Prior to that occurrence, I was late on a payment which I was penalized with a rate increase. This was over 10 years ago. I am current paying a rate of 26.24 %, and have been for over ten years. I have made on time payment every since that late payment, over 10 years ago. I have attempted to get an interest rate reduction, but informed there is nothing available for me. I believe that is absurd. I ca n't be provided any reason as to why that is. This is unfair, I have been making payments where approximately XXXX % goes to bank of America. I would have never chosen in the first place to get a bank of America credit card, as I have disliked their services for years ; and this is a perfect example why I dislike bank of America. BOA has needs to reanalyze how they do business and how and by whom their decisions are being made when involving their clients/customers, as it is them that keep them in business. There is not need to take advantage.
1. Navient m ade subprime loans to me, while attending  XXXX  University  XXXX   XXXX , a for-profit school. My loans include :  XXXX   XXXX  Subsidized  Lo  an- XX/XX/XXXX - XX/XX/XXXX  for a   XXXX   XXXX   degree at University   XXXX   XXXX  . {$8500.00} and   {$12000.00}. I was unable to find a job within the 6 month grace period. I let    Navient Solutions, LLC know. and they sent a collections company after me anyway, as well as said I defaulted on my loans. They never offered me any alternative ways to   pay.
My XXXX XXXX credit card, a revolving credit line with a 23 year history in good standing with XXXX % credit utilization, was removed by TransUnion XX/XX/XXXX. I have called and repeatedly asked this account be returned to my profile. They refuse. When I ask them to put their refusal, and the grounds for it, in writing and send it to me, they refuse. When I ask to be provided explanation, preferably in writing, why the account has been removed from my credit profile and put, as they describe it, in the " deleted folder '' of my profile ( they can still see it is an active account, along with other details ), they refuse to provide any explanation or substantiation whatsoever. On one occasion, a TransUnion representative explained that TransUnion simply " reports information '' and that I needed to have my financial institution request the account be reported. XXXX has made this request, twice, with no action from TransUnion. Twice, TransUnion said it can not, or will not, return the active account, in good standing, to my credit profile. XXXX continues to electronically report this account 's details and did so on XXXX separate occasions XX/XX/XXXX, first on XX/XX/XXXX at the monthly statement close, and again on XX/XX/XXXX when the balance was most recently paid to a zero balance. These are regular and customary instances in which XXXX would provide account status electronically to the credit reporting agency. 

Not having beneficial credit information on my profile is as damaging as having derogatory information. It is the inverse, and has the same negative effect on my credit score. The XXXX account is a 23 year longstanding, active account in good standing with an impeccable payment history and substantial available, unsused credit - all these aspects would reflect positively on my overall credit profile and increase my credit score. TransUnion is negligent in this regard, and is consciously, and detrimentally, reducing my credit score. 

To further clarify, I do not have any dispute case numbers because TransUnion refuses to take any action whatsoever, as well as refuses to put their reasoning, action or refusal in writing so I have documentation.
I had a credit card with Wells Fargo, in XX/XX/XXXX my wife was injured by a doctor causing to become XXXX in her XXXX XXXX. We were contacted by XXXX XXXX XXXX and signed up with them they scammed us till you guys came along ( THANK YOU BTW ). They told us not to pay creditor and to pay them, so we went into collections. That was in XX/XX/XXXX, we settled with XXXX XXXX for less then the amount owed, and were waiting until the other sent us any information. Apparently in XX/XX/XXXX the same year we settled Wells Fargo sent a IRS from 1099-C. I have disputed the account being open many times and my wife as well since she was just a authorized user and it was open before marriage this a few times with wells fargo and they keep reporting this monthly as an open debt. I have call them and they say they will do something about it and for two years now nothing. We are at our wits end with them. I am hoping you can do something about this.
info : at XXXXXXXXWelcomeA Citi representative will help you in approximately XXXX minutes XXXX seconds. 
info : at XXXXXXXXFor your protection, we 'll never ask you for passwords, PINs, User IDs, security words or any part of your social security number during a chat. Other information may be required to help us verify your identity. This chat may be recorded or monitored for quality purposes. 

You are now chatting with XXXX. 
XXXX : at XXXXXXXXWelcome to Citibank , my name is XXXX . How may I assist you today? 
XXXX : at XXXXXXXXGood morning XXXX . 
XXXX : at XXXXXXXXI hope you are doing well today. 
XXXX : at XXXXXXXXi have called the XXXX , NJ branch 7 times in order to schedule a notary appointmentXXXX : at XXXXXXXXno one answers. you closed all the branches in NJ but for this on on the other side of the state from meXXXX : at XXXXXXXXwhen i call they are busy and route me to the main computerized help serviceXXXX : at XXXXXXXX1/2 of those times you guys call and ca n't get throughXXXX : at XXXXXXXXI 'm sorry to hear this from you. 
XXXX : at XXXXXXXXso my concern is i pay {$25.00} for a checking account per monthXXXX : at XXXXXXXXand no one can help me get a notaryXXXX : at XXXXXXXXI 'll be glad to provide you the direct number of a branch. 
XXXX : at XXXXXXXXi ca n't travbel to citibank in XXXX just the schedule a notary on another dayXXXX : at XXXX can imagine this. 
XXXX : at XXXXXXXXi called that number XXXX times in three days ( and you guys called a XXXX times if you check my files ). 
XXXX : at XXXXXXXXis there a manager i can complain toXXXX : at XXXXXXXXbecause i am on the verge of shutting down my account altogetherXXXX : at XXXXXXXXI can imagine this XXXX. 
XXXX : at XXXXXXXXor maybe you want us to do that based on these issuesXXXX : at XXXXXXXXIn this case you can call our Citiphone team and complaint to a manager. 
XXXX : at XXXXXXXXyes i did that and they were busyXXXX : at XXXXXXXXso now i am chatting with youXXXX : at XXXX, I noticed that there is a state website for notary services. 
XXXX : at XXXXXXXXwhat does that meanXXXX : at XXXXXXXXI can help you with that link. 
XXXX : at XXXXXXXXPlease click on this : State Notary. 
XXXX : at XXXXXXXXthat a free service for my paid account though ... why ca n't you call and make that appintment for me ... i am here waitingXXXX : at XXXXXXXXif that 's the best you can do there is noXXXX : at XXXXXXXXpoint paying you {$25.00} for an account per month and XXXX brnaches in my area and no one picking up the phone at the branchXXXX : at XXXX, I would 've definitely done this if I had access to a phone. We do not a facility to reach out to our Citiphone team being in a chat 's communication center. 
XXXX : at XXXXXXXXthat link says i pay {$35.00} for the state to do it ... will you pay that fee since you are n't giving me what was promised or do i complain to the banking regulator about this? 
XXXX : at XXXXXXXXI can understand this XXXX . 
XXXX : at XXXXXXXXor will complain to cfpb and fdic thenSend
I have received many phone calls claiming to be from PHH mortgage. When I do not answer, they do not leave any kind of message. When I do answer, they do not say anything and after a few seconds they hang up. I was able to get a someone to respond once. He had an accent and said I was late on my mortgage payment. I have NEVER been late on a mortgage payment, nor had I received any notices. 
A few days later I received a notice ( almost 2 weeks after the calls started ). I called PHHmortgage asking why it says I 'm late on my payment. According to the representative, my payment was applied to " principle only '' and the computer was not recognizing the payment. The representative said he made the correction and also advised that these phone calls were probably from their collection office. 
The mortgage rep was not able to confirm the calls were legit! 
This is the second time this has happened! And I am still getting calls even after I supposedly fixed it with the mortgage rep.
Missouri State did not send notification the debt was going into collection. No information was sent to me by the debt collector that they were now collecting the debt. I only knew about them when I checked my XXXX XXXX score and it dropped over XXXX points0
I have a Stipulated Judgment with Fidelity Capital Holdings , Inc, a California corporation, dba XXXX XXXX XXXX XXXX XXXX signed on XX/XX/17 ( attached ). It states that payments will be made on the XXXX of each month. There is no mention that automatic payments are required each month. I have paid on time. I did allow them to automatically process payments from the initiation of the agreement until last month, when the card I was using expired. I paid with a new card last month and told them that I'm not agreeing to auto payments any longer, but will provide payment on or before the XXXX each month. I called this morning and made the XXXX payment ( today being XX/XX/XXXX ) and was told by XXXX XXXX at Fidelity that if I don't do autopay going forward, they have the right to execute on the judgment. I don't believe this is legal based on the language in the Stipulated Judgment. 

Additionally, they are reporting this account negative each month as a collections account. While it is accurately categorized as a collections account, it should reflect " paid as agreed '' as I am making the payments on time per the Stipulated Judgment.
I previously had my substantial student debt serviced by XXXX. Within the last year, the servicer was changed or the account was sold to Nelnet. 

Under XXXX, by default any overpayment of your monthly payment amount was automatically applied to principal. Thus, in the case of long term repayment plan, reducing the term and overall dollar amount of payments over the life of the loan. 

With Nelnet, there is no option to apply overpayments directly to principal on their paper statements or on the website ( I use electronic payments through the website ). Nelnet by default takes your overpayment and applies it to reduce your next payment. Buried deep within the fine print, dropdown menus, and additional steps which include a phone call to an account representative, there is an option to call them to change the allocation and have overpayment applied directly to principal. 

I submit there is a very good reason this feature is buried and not easy to accomplish. The servicer will be fleecing anyone who does not understand the difference of advancing to a future payment vs being applied to principal. I am sure there are plenty of borrowers out there that do not understand the difference and will ultimately be paying more than necessary over the life of the loan. I believe this is a deceptive practice. A practice I actually believed was illegal but perhaps only when applied to credit card issuers. 

I generally do not take the time to write complaints, but this practice will result in perhaps many thousands of borrowers significantly overpaying on a long term loan because they being taken advantage of by these deceptive practices.
i have four hard inquiries that i did not authorize. one from XXXX XXXX n 3 from XXXX  XXXX. i already have a card from XXXX XXXX that is in good standing. XXXX  i never filed for anything from them.
I got the papers that cfpb sent me on what chase said where the did nothing wrong well got news for them yes they did. the women that I talked to about the modification said that I would have to stop paying them if I wanted the modification if they wont to do the right thing they will see that we never missed a payment. fore a lot of years and i would n't have missed any if it were not chase tailing me to stop paying them to get the mod. and if they would check then they will see that it has been recorded because every time that I talked with chase they would say that this is being recorded for training purpose if it was not done away with it they will find it. I do n't thank that I would pay all that money and then let someone have it don.t thank so. I was cheated out of it just because no one would help I will send you some papers XXXX I did not need the mod and I wish that I never heard of it then we would have XXXX fine the house would have XXXX paid for by now. but thanks to chase they cost us a lot over this my health money and I wont my house back that you stole from us and you can pay us
Equifax refused to provide my credit file to car dealerships on XX/XX/XXXX as requested. Why was my file blocked?
On or About XX/XX/XXXX, my account was placed on " Fraud Suspension ''  without notice! And to this date, I am unable to access any of my funds! 

I have attempted to contact XXXX XXXX XXXX, everyday since being Denied at the Grocery Store in XX/XX/XXXX. Upon Initial contact & thereafter, I received the exact RUDE  response, " We apologize for any inconvenience but due to the " Fraud Suspension '' placed on your account, we are unable to access any information nor tell you why your account was placed under " Suspension '' in the first Place ... Someone from the Fraud Department will be contacting you soon upon completing there investigation - by letter or phone ''. I am also unable to get an exact time frame of when the investigation will be done & /or when I will have access to my fund 's. 

I have also requested to speak to a Supervisor & I'm told that an email has been sent & someone will contact me within 24 hours. Still NOTHING & No one in the Customer Service Center seems to care! Each Representative, I spoke to was extremely Rude & Cold-Hearted! For example, upon explaining my situation to the Representative, I was informed that I needed to WAIT. Because I wasn't satisfied with that response I asked, what would she do if she were in my situation? Representative replied, " Well its NOT me - so WAIT '' - " So if there's nothing else I can help you with " I don't have time for this ''! I got this response countless times! 

As of today, no one has contacted me nor did I receive a letter or email notifying me that my account would be placed on " Suspension '' OR " WHY ''. 

I am XXXX & have XXXX Children whom are Homeschooled due to illness & I am the XXXX XXXX for my family. Aside from XXXX, this is my only Source of Income. Since the suspension, I have been unable to pay any of my bills, purchase medications, toiletries, gas etc.! 

My phone service has been cut off, I have an automobile loan which is in default & may be repossessed any day now. My mortgage is due at the end of every month. In the meantime, Fees are incurring. 

I have also attempted to contact the Social Security Office directly in person & was informed that they are unable to offer any Guarantees & that I needed to contact XXXX XXXX XXXX, to resolve this issue!