WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a consumer with Capital one since XX/XX/2014. For about 4 months I have been working hard on rebuilding my credit. I have dispute with Capital one about late payments on my XXXX accounts. I have spoke with reps and corporate office. I have pull all XXXX credit files and they are all showing different late payments. To be told they are reporting correct information.
I noticed my credit report had an open account for the amout of  XXXX , opened back in  XXXX , of  XXXX  i never open tye above account, also i disputed it with all  XXXX  credit reporting agencies. This account was open without my authorization. This account does n't belong to me. On  XXXX ,  XXXX   XXXX  after my dispute it was removed from all  XXXX  credit reports, and on  XXXX   XXXX ,  XXXX  the company reinserted the same account, and by law an once and item is removed from credit reports it can not be reinserted after 7 days
My credit score recently declined with Equifax. From XXXX to XXXX. I used a line of credit that was already open to pay off other higher accounts. They apparently saw the increase on one side but have not recognized the subsequent decrease and immediately dropped the score. The amount of credit used did not increase only shifted to another lender.My attempt to get thru to a live person to go over this has been useless, and they tell me that NC is not a state I can get a free report in via the automated system I have tried to connect with a human on three occasions and that option is not available.
About XXXX XXXX, 2017 I left XXXX with 1 XXXX dollars to invest in Bank of Americas Merril Edge in  XXXX XXXX, staffed by XXXX XXXX XXXX who vetted me for 2 hours with my administrator and her husband and informed me in 5 days he would move the XXXX XXXX to his bank. Well sir, it took this yo-yo and 8 ball 28 days to transfer 1 of the 2 accounts and then informed me that the other account could not be transferred. So, ask this bank to share with you all of the phone recordings that was advised on each call. I have spoken with 2 dozen employees of this bank with each one pitching a conciliatory solution to the woes XXXX has caused me. One employee called 5 times with the begging that I would drop any complaint on Bank of America for hiring XXXX. He wears clothes 4 sizes too small for himself, therefor my summation is he thinks he is cute. Well that is a big distraction for him and causing him to forget customer service and using XXXX untruths for sales. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX XXXX
This person has called me and my family numerous times threatening to come to my place of employment and to take me to jail if I did not comply with their debt collections.
Earlier this year, I checked my credit reports and noticed a collection fr om Convergent Outsourcing f or the amount of {$1300.00} and the original creditor was  XXXX . I disputed this collection on two separate occasions for the  XXXX  credit bureaus and my collection was successfully removed without paying anything. On  X/XX/2017   , I checked my credit scores via the myFICO app and I saw that the collection was added again without any type of notification. I calle d Convergent Outsourcing o n  X/XX/2017    and asked the rep will they report my collection paid in full once I pay it in full and the rep did n't answer my question.
I paid off my American Express card and was then charged a {$2.00} fee on my {$0.00} balance. It 's listed as a " minimum interest charge ''. I do not remember agreeing to pay this. It makes no sense.
Experian is reporting that an account with XXXX XXXX XXXX is 180 days late from XXXX XXXX to XXXX XXXX. In this time, this account was REPORTED IN BANKRUPTCY so it was protected. I paid on this account as per my plan to make up the late payments. The loan is now paid in full. These payments were removed from my report but reappeared last month when the loan was transferred from XXXX to XXXX XXXX XXXX. I have filed numerous complaints to XXXX for correcting then readding this faulty information. XXXX is being converted to XXXX to cover up their terrible business practices. I AM ATTACHING MY BANKRUPTCY PAPERWORK AND EXPERIAN SHOULD KNOW XXXX COULD NOT BE REPORTING ON ME EVEN IF IT WAS CORRECT, WHICH IT IS NOT!
Here 's my story, I went to chase to take out a Loan in 2008 to by my wife a car. I contacted the loan officer for about XXXX days, They continued to put me off. After several attempts to secure the Loan, I decided that since they did n't want to help me with the loan I went back into my local branch and told the loan officer that I no longer wanted the loan, and paid cash that I had in my saving account. I was told that because they went through the process that I would have to pay them XXXX dollars. I could n't believe what I was hearing. So I thought that the matter was over. I checked my credit report and found that they charged me XXXX dollars and this is still on my report, I 've written to each agency and they would not remove this from my report. That my story.
XXXX XXXX XXXX XXXX XXXX has me listed on my credit report as being Late in XX/XX/XXXX. My payments for XX/XX/XXXX, were {$87.00} For my loan and {$88.00} For my credit card. I paid {$200.00} on the loan and, {$160.00} on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Loan and Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " XXXX " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, XXXX, XXXX, and Experian. Neither XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, nor Experian have correcited this on my credit report. I have disputed this 5 times with each, with no correction.
XXXX Healthcare Collections reports inaccurate and non-sustainable information 2 times under the same name each with different balances, after formally requesting by certified mail pursuant to the FTC Act 15 U.S.C. 45 ( a ), on XXXX XXXX, 2016, the company has failed to meet the requirements to provide any legal instrument bearing my signature which supports the continued reporting of this alleged debt. The company has reported inaccurate and non-substantiated amounts. after repeated disputes through all XXXX credit reporting agency for over 3 years or more with no solution to remove
I have disputed a old student loan that is still showing on my account. It is now over 7 years since it was first reported and should have been taken off my report by now. The original opened date was XX/XX/XXXX. The account was closed XX/XX/XXXX. I have disputed this through XXXX as of XX/XX/XXXX but they advised that it was verified as correct. I am not disputing that the account is not mines but that it is over the 7 year timeframe for it to be on my account. 
Additionally this account has been removed already from my XXXX  Report and XXXX   Report
1. Secured credit card scrutinized by higher-than-normal standardsThis secured card has been in use since 2008 ... which is more than 7 years! Moreover, I have had the secured funds from XXXX other banks ( XXXX, XXXX XXXX XXXX ) already returned. When I called, I was told that the account is reviewed annually. However, I have never received any notification of their findings. I phoned today ( XXXX XXXX ) to ask about their policy. My request to have it reviewed has bee forwarded on to the appropriate department. I could not be given a time expectancy for this review.
I have a reverse mortgage that is now all used up. The interest rate I am being charged is supposed to be based on the LIBOR but is, so far as I can tell, higher. When I 've written to the company ( Reverse Mortgage Solutions ) to complain, they say the rate is based on the XXXX XXXX XXXX published rate. But that rate, as I understand it, is, in fact, the LIBOR.
I 've been trying to complete an escrow buydown with Wells Fargo since XXXX to prevent my mortgage payment from increasing. I originally received notice of this with the name and number of a mortgage specialist to assist me with this process. I called and left numerous unanswered messages. I spoke to various representatives by calling Wells Fargo 's 800 number and nobody could help or get my situation straightened out. I finally made payments over the phone with a representative named XXXX who assured me my account would go back to the previous mortgage payment. Instead, as predicted because I have had similar issues with Wells Fargo in the the past, my account shows late payments. I have made each monthly payment timely, but my account has not been corrected yet and my escrow payment went toward principle. My account has been incorrect for XXXX months. I was told it would be fixed by the beginning of XXXX. This is showing poorly on my credit. My account now shows that my XXXX payment is delinquent, which it is not. I want this remedied immediately! I have made weekly calls to Wells Fargo with promises it will be fixed without remedy. I am sick of calling to follow up about them screwing up my account. It is a waste of my time!
My credit has been damage due to this judgement remaining on my credit. I have disputed this claim of judgement with all bureaus of investigation. XXXX XXXX, did not remove or offer opportunity to remove from credit.
I reside in Washington, DC and earlier this year I was approved to purchase a condominium through a DC government program for less than half of the market value. I make {$46000.00} a year, I have a good credit portfolio and an average credit score of XXXX. I was pre-approved by Bank of America Home Loans to purchase the property using A first time homebuyer second trust government backed loan. The DC government has allowed me to purchase the property based on my income. The monthly payments XXXX mortgage, condo fees and taxes XXXX fall within the proper debt to income ratio. However, according to Bank of America the underwriter has not approved the loan because they are projecting the monthly tax payments On the appraised value of the property. The property I am trying to purchase is an affordable housing unit and and DC law states that based on my income I am eligible for tax abatement.
Pnc mortgage company is dragging their feet about stopping pmi. I have asked them twice in the last 9 months to take it off. I am now at 68 % LTV and XXXX XXXX 2016 is the scheduled time that it should stop. I want to send My XXXX payment without pmi payment but they say I should send it in anyway. I asked for new coupons showing no pmi on the coupon payment book. They always have an excuse, never get to talk to a supervisor. I am afraid that pmi is never going to stop unless I sue them. I should n't have to since it is the law that it stops at the scheduled time.
I have a problem with TransUnion. XXXX ( XXXX ) is merging with XXXX ( XXXX ). The merger is in progress and should be completed in XXXX. I have several accounts with the XXXX which are being transferred to the XXXX. TransUnion is reporting XXXX of these accounts in each bank 's name which incorrectly reports my outstanding debt and debt ratios TransUnion is reporting that I am using 40 % of my credit lines when the true number is about 20 % ). As a result, my credit score with TransUnion dropped XXXX points. I filed an email complaint with TransUnion and in response It apparently took each account reported by the XXXX and changed them to the XXXX. At the same time, it changed the accounts reported by the XXXX and changed them to the XXXX. The total number of open accounts did not change nor did the credit usage. I filed a new written complaint but there has been no correction. ( XXXX apparently did not make the same mistake. )
Received a threatening, abusive, rude telephone call from XXXX XXXX of XXXX XXXX XXXX and XXXX. She threatened to send law enforcement to my home and job and to garnish my wages for a credit card debt that she refused to provide me information about. She said that i owed {$1200.00} plus court costs and attorney fees. 
She had the wrong birthday and SSN for me. She also left a message on my husband 's phone number which has no connection to me at all.
We were leasing an apartment at XXXX XXXX XXXX. Upon move out we received our final statement via email and noticed a charge of {$300.00} for cable boxes they accused us of removing after we moved out. I responded to the email and explained our apartment never had cable boxes and we would not pay the {$300.00} for for them. This was all communicated through email. This was in XXXX. I never received any response from them after disputing this charge. I was waiting to hear back from them or receive any official bill in the mail ( I provided them with my new address, email and they had my phone number ). Fast forward to XXXX XXXX when I received a letter from National Credit Systems ( a collection agency ) saying I " have failed to make suitable arrangement concerning the referenced obligation of {$800.00}. '' I immediately called National Credit Systems and explained I had never even received a final bill from XXXX and we had never finished our conversation regarding the disputed amount of {$300.00}. I told National Credit Systems this was not a valid debt. We disputed all charges from you and we told them to send the debt back to XXXX. They sent a settlement amount back to XXXX for {$500.00}, which XXXX agreed to, and NCS still posted the debt to the credit bureaus. I will pay the {$500.00} and I would have paid this amount to XXXX immediatly if they would have continued to work with me. Now I have a negative collection account on my credit and the National Credit System will not send this account back to XXXX and delete this accusation on the credit report. I want to pay XXXX for the corrected amount, but XXXX will not take my payment and says I have to pay National Credit Systems. I do n't want to pay them because that makes it look like it was a valid debt. Again I reached out to the apartments trying to work out my closing bill. I never got any response from them or any final bill after discussion about the invalid {$300.00} charge. Instead I received a letter 5 months later from a collection agency saying they had posted the unpaid debt to my credit. I have checked to verify and it is currently on my credit report. I am in the process of buying a home and this mess could prevent me from financing for a new home. Please help!! I feel like both companies have been unprofessional and unreasonable. XXXX validated their charges were inaccurate by immediately correcting the amount down to {$500.00} once disputed.
I had put XXXX down on a XXXX XXXX XXXX me 6 months will lower payment, ,as my insurance was XXXX ..i was paying XXXX $ monthly teaching at college, ,yes.. after 1 year i had gotten in a bad XXXX, no longer can work, i am on my XXXX XXXX, ,at that time i asked to ; lower payment it over time, ,they said we never said that and your sales guy is no longer here, ,i cou ; ld not pay that XXXX $ any longer, ,so i gave XXXX back and i gave them XXXX $ again for a 2008 scion box,,, that wa sthe deal if i bought another carb XXXX DOWN AND GAVE XXXX THEY NWILL AUCTION OFF AND WE WILL BE EVEN,,,,, ,OF COURSE I DID NOT KNOW HE ALSO RAISED APR TO 28 % i am SICK,,, ..holy XXXX,,, XXXX months layer i paid XXXX $ to XXXX car PAID IT OFF,,,,, ,they HAD auctioned XXXX back then and sent me a =letter of owe 0 ) XXXX ,its in my file ..., ,i also had given my daughter XXXX to put on a XXXX also because of my settlement money i was able, to do this,,, i was never told anything else ... .but i think after they found out about my moneys they changed their mind and iv been getting letters to owe another XXXX $ for XXXX, ,i already paid XXXX on XXXX and tHey auctioned for XXXX XXXX car was only XXXX $ and i had for 1 year,,, does not make sense, ,how would they even sell me another car for XXXX down and handed my old car in if i owed any thing else ... please help me this is crazy,,, I would have taking care of these things if they would have told me from beginning, ,i do not do scams very well..i am certified PI BUT STILL CAN NOT WORK & lt ; & lt ; XXXX XXXX recently to a US XXXX whom has purple XXXX from XXXX and XXXX, ,and he takes good care of me, ,i just need to get a chance to please get my life back, XXXX years ago i went thru a bad time after accident and put me in a lot of problems alone, next thing i had these little bills from things i do not even aware of, ,i just need this all fixed,,, i am receiving my second part of my settlement in XXXX `- XXXX months and i need to have credit fixed to move buy land and buy a business for my older kids to have when i leave from here,,, ,please help me fix all this, i need to get cleaned up in system thank you so very much ... XXXX XXXX XXXX, ,like i said i paid off my scion XXXX XXXX months after and paid dr.uecker {$8500.00},, paid rent electricity, never have been evicted i pay all my bills, ,i have great XXXX health XXXX. i donot see why my score is still so low, ,i cant do much buying and using credit when iv had XXXX surgeries i XXXX years and on bed rest now from another XXXX XXXX weeks ago XX/XX/XXXX ...
I reported Fraud to One West Bank on XX/XX/XXXX. One West is always closed, computers down for days, hanging up on customers, etc. One West keeps LYING putting off CREDIT to my account. I went in and signed a Fraud Affidavit dated XX/XX/XXXX WHICH IS ATTACHED AND CALLED Fraud into Customer Service. Everyone said I would receive credit in 10 days. Then One West lied and CHANGED IT TO 10 BUSINESS DAYS. On XX/XX/XXXX XXXX XXXX, Supervisor PROMISED my account would be credited on XX/XX/XXXX. I HAVE NOT RECEIVED MY CREDIT.
Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I have multiple names on my report that are not mine. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$32.00} RESOLVE XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00}
I wrote debt validation requests to this company and they refused to send me verification of debt. They have also ignored all of my letters
I had a GA tax lien on my credit report since   X/2011  in th e amount of {$1400.00} that has been paid and satisfied.I requested for the lien to be removed from all  XXXX  credit bureau agencies . (   XXXX ,  XXXX  and TransUnion  ) b ut has not been done.The GA  State tax sa id they do not report to credit bureau and  XXXX  GA  Superior court s aid they do not also. I tried to pull my name up on   XXXX   XXXX   XXXX   but nothing comes up under my name so this is proof I have no outstanding state tax liens.   This is affecting m y credit score s ignificantly and I desperately need help getting this removed.
XXXX and the other major consumer reporting agencies have been collecting, compiling and selling my personal information without my prior consent nor expressed permission. They have also been reporting adversary and or derogatory data on my consumer report. After many attempts to CORRECT these ERRORS I have not been able to and it has tremendously affected my ability to engage in the pursuit of happiness and obtain additional consumer credit and provide for my personal, family and household. They have violated my Consumer Rights and have since ignored all additional attempts to correct this matter. I demand that if the disputed alleged debt ( s ) are not UNDOUBTEDLY PROVEN, FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance with each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I may indeed seek and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING! 

I am enacting my consumer rights to compel you here and now to absolutely and permanently remove any and all aspects of untrue, inaccurate, not complete, not timely, not proven mine, not proven my responsibility, and or not proven adequately and entirely compliant allegations of credit information.
Paypal contacted me ( email & phone ) telling me that I owe them {$1400.00}. They insist I sent {$350.00} each to XXXX individuals (? ) through paypal & that I owe them the money. I never sent any money to anybody online, let alone XXXX. I did not purchase any item at such amounts online either. I told them I did not make that transaction they allege but they insist that I owe them money. Now I received a letter from a collection agency demanding my payment of {$1400.00}.
I've been monitoring my credit for several months and noticed a Rent Recovery Solutions, LLC just popped up and says its been in my credit reports since XX/XX/2018, but I've been monitoring my credit since XX/XX/2018 and never saw this until recently. They claim I owe {$5300.00} that I do not. Based on the extremely poor reviews online, I have opted to file this complaint here to ensure that I get a response, period, let alone a timely one. I've even seen someone online say that they were hung up on, so it is not the best company to be dealing with. I am, however, also disputing this false account via the credit bureaus. I am outraged that this has appeared on my credit reports. I demand that original documentation in its original form, bearing my actual, wet signature is provided to me. This is what is required under the FCRA, section 609. The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you must also provide the method of verification as required under Section 611 ( a ) ( 7 ). Moreover, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Therefore, if original documentation bearing my actual signature is given to me ( and I know for a FACT that I never signed a consumer agreement with Rent Recovery Solutions, LLC, then this false account MUST BE DELETED IMMEDIATELY.