WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I have been disputing a XXXX auto with XXXX for some time now. This account is past the statute of limitations for California XXXX 7 years from XXXX, which is XXXX ) XXXX  and XXXX have followed the FCRA and removed the account but XXXX  refuses. I spent over XXXX hour on hold to be told they could do nothing more then dispute it which I have done XXXX times over the last 2 years. XXXX is violating the law by updating the XXXX to XXXX, which is incorrect as I have had XXXX communication with this company since XXXX. XXXX tells me that they can only go by whats reporting and XXXX is not violating any laws by doing so. I have applied for a home loan and was denied do to the XXXX account and the XXXX balance owed. Please help me rectify this situation as they are clearly breaking the law.
This is my second report with the cfpb regarding Capital One. I hold credit with Capital One and so does my father with this card. 
My father is undergoing a refinance with his home. I had several excuses of Capital One not taking off late charges when the card company was at fault of not processing my payment correctly. 
I had another excuse of due to the hurricane that the company is short staffed. 
I had attempted payments and phone calls three times to XXXX at Capital One 's Corporate office. Her number is XXXX. ( XXXX ) XXXX # XXXX. The Customer Service Department has threatened prosecution of non-payment to the credit card holder. I agreed several times before the due date to make payment arrangements, which Capital One agreed to {$30.00} several times.
I have had an account with bank of america since XXXX they have closed all of the local branches in my area and the closest bank is half hour away from me which has been difficult as a customer but I just dealt with the inconvenience. I worked very hard to pay off my credit card with Bank of america with a {$5000.00} credit limit. XXXX day I go into my online banking to check my accounts and my credit card was not showing. I called the bank and they said they had closed my account no notice just closed. I had never been late and never had an issue with this card had the card since XXXX they had just sent me checks in the mail where I was going to use XXXX at XXXX for 0 % interset until XXXX. I am so glad i did not having no idea they closed my account I would of been mortified. It has sbeen nothing but difficult to keep a relationship with bank of america they do not care about there customers or having a long relationship with them. After years of having a perfect relationship with them they close my account with a zero balance because they say my utilzation is high on my cards. I am done with them closing branches everywhere and not having relationships with there customers there is so many other banks that do n't treat good customers like this
This is a new Care ( THIS IS A NEW CASE ) Back in 2012 on case number XXXX CFPB assisted me with XXXX XXXX XXXX XXXX XXXX ). in 2012 XXXX agreed with CFPB and myself and removed all the fraudulent information from my credit report show any late payments ( I have never been late ). I check again this morning and the fraudulent information was back on my report. Needs to be removed.
This inquiries was unauthorized. I have contacted all three credit bureaus as well as each one of the listed companies on several occasions. The credit bureaus have advised me there is nothing they can do about falsely obtained credit inquiries without letters from the companies that pulled my credit. I have reached back out to the reporting companies and advised that the pulls were obtained without my consent, and the companies have all refused to remove anything about them, I consistently am advised to wait 2 years for them to fall off, however these pulls were never authorized nor are they valid.. I am at my witts end and believe that I should not be held accountable for something on my credit report that is not only INACCURATE but illegally obtained. These inquiries all happened betweenXX/XX/XXXX-XX/XX/XXXX of XX/XX/XXXX. Thank you.
Around XXXX XXXX, I received lab work by XXXX XXXX XXXX through a XXXX XXXX program provider. All medical bills under this authorization are 100 % covered by my insurance. My insurance company paid the debt owed and I later received collection notices from SKO BRENNER AMERICAN , INC . I called my insurance company and they were able to rectify the situation. However, I have received two more harassing collection letters stating I still owe them. I called my insurance company and they tried reaching out to XXXX again to no avail. They could not get through to anyone and neither could I. However, they assured my insurance company that they would remove the charges. Please help get the this situation resolved.
On Friday, XXXX/XXXX/XXXX at XXXX, I received a call on my cell phone from XXXX. A XXXX XXXX representing/working for National Credit Adjusters informed me that her client was XXXX ( now XXXX XXXX ). I owed {$2000.00} account # XXXX. 
I told XXXX XXXX that I would contact her Monday, XXXX/XXXX/XXXX. 
On Monday, XXXX/XXXX/XXXX at XXXX I contacted XXXX ( now XXXX ) at XXXX. I spoke to a XXXX who could not answer my questions of who my account # XXXX was turned over to, when, and what was the balance due on the account at that time? Mind you now, XXXX XXXX XXXX still had my account on record. 
I spoke to a supervisor XXXX who informed me that my account was turned over ( I suspect sold ) to XXXX XXXX ( XXXX ) on XXXX/XXXX/XXXX. But, she could n't ( I say she would n't ) tell me the balance that was due on the account at that time. 
I left a voice message on XXXX voicemail on Monday, XXXX/XXXX/XXXX at XXXX PST. 
I female representative for XXXX called my cellphone from a Restricted # at XXXX PST on Monday, XXXX/XXXX/XXXX. 
She informed me that my account was turned over ( I suspect sold ) to National Credit Adjusters. She also claimed that she could n't ( I suspect would n't ) tell me balance due on the account at that time. XXXX XXXX only collects and issues/distributes accounts like mine to different collection companies/agencies/what have you. 
I informed XXXX XXXX XXXX who called me on my cell phone today, Tuesday, XXXX/XXXX/XXXX from XXXX of the actions I 'm going to take to protect myself. 
Is n't there some kind of legislation/statue/law against this type of business practice? 
Please, investigate and advise me? I do n't what to be scammed.
I have a listing on my credit report from XXXX  XXXX  stating I owe them XXXX since XX/XX/2018. I have absolutely no knowledge of this company or any loan of that amount. They are reporting derogatory account to the credit companies every 5-7 days negatively impacting my score. I attempted to contact the company requesting verification of debt and never received any information from them. I then disputed this charge multiple times with XXXX XXXX and experian and I was not provided any information about this debt. My latest dispute was on XX/XX/2018 and it came back as resolved and updated but I see no change or new information provided.
Wells Fargo-They contact me. I filled out the application and I was approved for a credit card with a {$3500.00} limit in XXXX XXXX. 

As of today my balance is approx. 1800.00. Last month I made a payment on XX/XX/2018 of XXXX, when my minimum due was only {$27.00}. 
Today I tried to make a card purchase with this card. After trying three times, I was unsuccessful. I called Wells Fargo and they told me based on my credit reporting status they reduced my limit. I asked them how can you just reduced my limit when I only had the card 3 months. Secondly I paid you more than your requested. I told them they didn't give me a chance to show them over time that I would pay them back and lasting how can you just decrease my card with no notification. 
Furthermore, I just paid off a vehicle financed through Wells Fargo Dealership. I fulfilled my contract for 72 months and was never 30 days late! 
I could of needed my card in a emergency situation. I could of been out of town or out of the country and depended on this credit card to get back home! They just reduced my limit with absolutely no warning and in my opinion no reason ... my fico score status is the same as it was when they gave me the line of credit. Now since they reduced my credit card limit, this is lowing my credit score, because now it is up to the limit!
I 'm going thru identity theif this is not me their    XXXX   more than this and it 's really affecting my lively Hood i w as living in my own home at the time this any a few more debts were put in my name is their a way we can fix this asap plz hard working mother of  XXXX  need fix this quick
XXXX XXXX acquired a mortgage, fell into some financial hardships and after exhausting her savings was no longer able to make another mortgage payment. She applied for several mortgage modifications unsuccessfully with Wells Fargo. At this point, the borrowers hired an attorney 's office to save their property. After receiving a denial for the modification we submitted, the lender refused us an appeal and has the property on the auction for sale.
My brother XXXX XXXX XXXX filed a bankruptcy and got a loan 2 years ago. and now i " XXXX XXXX XXXX '' is trying to get and build my own credit, but every time i try to apply i get denied because they always see my brothers history which is not mine. i wan na know how can i fix this.
Called Customer Service representative and they stated I have a XXXX credit limit. I was incorrectly informed and the actual credit limit was XXXX. I had unknowingly gone over my credit limit several times and never had any issues or high minimum balances or delinquencies until XXXX XXXX. 

I made 4 on-time payments ( XXXX for XXXX, XXXX for XXXX, XXXX for XXXX, XXXX for XXXX ) which was putting my account balance below the credit limit. I got a call from collections stating I was past due on my accounts for XXXX XXXX and XXXX XXXX. I had explained I had made multiple payments on the account for those months on time so they should n't be past due. The representative stated that even though I was making payments and my balance amt was below the limit I was n't making the full minimum payment and thus they were charging me with being delinquent on my account. Upon this knowledge I rectified the situation immediately and paid beyond the minimum payment even though my account was below the credit limit just to stop the delinquent status and it has been in good standing since. As a result they are reporting to credit agencies that I had be delinquent payments for XXXX XXXX and XXXX XXXX. I have tried to call customer service several times and told I needed to send a dispute letter ( which I have sent 3 letters XXXX XXXX, XXXX XXXX and XXXX XXXX to the XXXX XXXX office. I have never gotten a response back despite the customer service representative telling me they needed to respond in 30 days.. My last call was XXXX asking to speak with an actual person to resolve this and was told to send another letter ( Which I have sent once again on XXXX/XXXX/XXXX ). At this point I need further assistance or a live contact within the company to be able to assist with this issue.
complaint of double standard : I have over XXXX XXXX XXXX of dollars deposited in checking account and got no interest. But Chase bank charged me a late fee of {$25.00} for overlooking a payment due date. On top of that it charged me a {$9.00} interest. XXXX on {$25.00} translated into a rate of interest 40 %. This is abusive and excessive.
On XXXX/XXXX/XXXX, I called Transunion @ XXXX XXXX XXXX regarding them removing all of my inquiries last year between XXXX - XXXX. I advised the representative XXXX XXXX XXXX that Transunion removed all of my inquiries from my credit report and put them back without giving me a 5 day notification in the mail. The overseas representative asked me which inquiries did I want to dispute. I then advised the representative that they deleted all of my inquiries and not just some during the time they had the system issue. I gave the representative all of the inquiries in question. The representative put me on hold to check their system. The representative came back on the line and told me that I was not one of the consumers affected by their inquiry glitch and went on to tell me about how hard inquiries appear on my credit report. 

I decided to lodge a complaint, because I refuse to call them and go through that torture again!!!
I have attempted numerous times and have disputed information pertaining to my experian credit report. I have requested that the above credit reporting agency provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.
I have a few accounts with Synchrony and my Walmart card, amazon card, 76 cars and a few other accounts without notice have had my credit limit decreased for no resin at all. I have made my payments on my accounts and they did this. 
I 'm dealing with my husband since he is severely sick with XXXX XXXX XXXX computer and this has put additional stress on me when I have tried my hardest to keep all my accounts current.
Transunion is reporting acollection from   XXXX   #  XXXX , shows the original creditor as  XXXX   XXXX   . I  have not has  XXXX   XXXX  in ove r 10  yrs
continuing from complaint XXXX. I don't know if you guys know I am a a victim of identity theft and im already registered through XXXX as a victim. Thank you.
Bank of America sent me a new credit card with the reason that they stated was to protect my security. I had automatic payments set up with their bill pay site. I got a letter from them saying I missed a payment. I called them and said I was on auto pay. I was told I never set up a new bill pay with new credit card number, IXXXXwas never told to do that and their was statement with my new card stating I should do that. They charged me a XXXX dollar fee. Then today I got a letter in the mail saying they reduced my credit card limit because of missed payment.
TransUnion is using a deceptive identity verification question, specifically, they ask about names " previously '' used, implying that the name is no longer used. They included my last name, XXXX, as an answer. XXXX is not a name that I have previously used : It is the name that I have always used.
I contacted the company and credit bureau regarding this account reporting incorrectly. They have ignored the fact that the information is inconsistent amongst the bureaus of XXXX and Equifax. XXXX removed it. I would like for this account to be remove because the INFORMATION IS INCORRECT AND THE ACCOUNT IS OVER 7 YEARS OLD. 

XXXX XXXX AUTO FIN - {$0.00} Closed Overview You've paid off 100 % of the original amount. 

Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$72.00} Opened XX/XX/XXXX ( 7 yrs, 1 mo ) Term months Payment History Last payment -- Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type -- Responsibility Individual Remarks Paid charge off Fixed rate Times XX/XX/XXXX days late XXXX
I have been a customer with capital one for 3 years.. And I have been paying on time. But I got behind on my account because I lost my job and had a baby. I wrote a letter to then explaining that. They checked my credit, which I didn't know was going to happen.. and drop my score down 30 points. Then I received a letter stating that they can't remove the late payments. I really think that sucks.. I have been paying my account on time each month. All I ask is for a little help to get my credit score cleared. I messed up and I'm sorry. I trying to make a better life for my family. I want to buy a house and those late payments are holding me back. Please please help me.
Equifax will not do a proper investigation. They continue to say the information was verified. Which is a lie! I have no account with this company nor have I ever signed any contract to do business with them. They have neither lent me anything nor have they provided services to me for which I requested. They are under an order to Cease and Desist and accordingly, this must be removed from my credit report immediately.
I PULLED A COPY OF MY CREDIT REPORT AND LEARNED THAT RECEIVABLE MGMT GROUP HAD PLACED A COLLECTION ON MY CREDIT REPORT. I HAVE NEVER ENTERED INTO A CONTRACT WITH RECEIVABLE MGMT GROUP VERBALLY OR IN WRITING.
This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXX COLLECTIONS INAlert Date : XXXX : EQUIFAXCompany : XXXX XXXX COLLECTIONS INPayment Status : UNPAID ( UNPAID ) Status Date : XXXX : $ XXXX Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXX XXXX therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX XXXX XXXX XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
I have had many issues with Ocwen applying charges to my mortgage. The most recent one is from XX/XX/2016 they stated that they paid my utilities. All utilities have been paid by me and have proof of statements that have been mailed to me and payed by me. This is not the first time that Ocwen has charged me for utilities that were paid on my behalf to the utility company. I have called XXXX and both have stated that statements get mailed to me not the mortgage company. Previously I have double paid these bills to Ocwen because they offer no additional information.
I have sent the TransUnion multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately as well as balances and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously. Today XXXX/XXXX/2015 we have tried requesting verification procedures from the XXXX bureaus. Please help. We have attached supporting documents. 

Account # in questionXXXX XXXX The balance is completely inaccurate. See the high credit and current balance. This vehicle was liquidated at auction and there is not past due amount. Their address is also not listed on my credit report. Please remove for it 's FCRA violations. 

Thank you, XXXX XXXX
My identity was stolen last year, I noticed that there were many accounts open throughout last year that I did not open, I disputed everything with Experian and XXXX  and they keep denying my dispute stating it is accurate when it is not at all accurate.
I was told by Capital One in an email I was receiving new cards with no explanation. I checked my cards, they were not expired. I called n was told the new cards have a chip in them for tracking. I said I 'm upset that we are n't being informed in the email the reason is there will be a chip in the card. I spoke to supervisor who at first gave nonsense excuses - " they have XXXX people to inform ''. Them said it 's federally mandated we all have a chip on our cards. I said will you ever inform people it 's in their card? He said it will be in the terms n conditions when u get the new cards. That is in the small writing that no one reads after they first get cards! So now if the government has access to the chip mechanism they can track us anywhere we are n't if the chip allows it n so can Cap One n any other entity they give access to without anyone ever being basically informed that we have a chip on our cards. After the NSA phone tracking i consider this a next step and that we are n't not being ethically informed it 's in our card is reprehensible n unconscionable. I also blame the government for federally mandating it.
On XX/XX/2012 I was awarded a permanent loan modification from XXXX. My Payments were to be $XXXX per month and I made all payments on time.
After a few months, I started receiving late notices in the mail. I started an investigation with XXXX as to why I was receiving late notices and before the investigation was concluded, my servicing was sold to XXXX. 
I notified XXXX of the investigation with XXXX and they found the reason I was late was that XXXX had applied my first modification payment to my escrow account in error. Before that investigation could be finallized, my servicing was sold to Nationstar. 
I started an investigation with Nationstar to correct this and they told me their accounting is correct and I am 1 month behind on my payment, when I sent them proof of every payment ever made. They also added back on $XXXX to my principle that was forgiven as a result of the modifications stating I did not receive the foregivness after all because I am delinquent. 
I need help from someone that can do something about this. They have ruined my credit and cost me $XXXX because of bas accounting and laziness in looking into this matter.
I am trying to save my house from foreclosure. I have applied for a modification but Mr Cooper has refused to send to the investor. They told me I have excessive obligations, which I do not. They also told me that they could not lower my payment. I am trying to avoid foreclosure, so if my payment goes up, that is ok. I am upset that Mr Cooper did not send to the investor for review and that I had to file a bankruptcy to avoid foreclosure.