WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed items with this credit bureau more than once about unauthorized inquiries, account that is to old to be on file ( XXXX ), and a utility bill that is being reported. Utility bills are not credit and I live in another state so the mail never got forwarded to me. The dispute has been more than 30 days. I filed a dispute online and also mailed in a dispute by US mail over a month ago. Neither one of the disputes were answered, and when I filed an complaint with CFPB the credit bureau try to say that my dispute is not specific and that they can not verify my address so they will not correspond until I furnish documents to prove my identity. I have supplied these items and proof to get the items deleted on their web site, equifax.com/document upload, and have also faxed the documents as well, all to no avail because they keep saying I have not sent them anything, which is a lie.I have used the same US mailing address for over 20 years and how dare they use this as an excuse as to why my disputes are not handled properly or accordingly. The accounts in question are XXXX and XXXX which are utility accounts that should not be on credit reports since they are not credit accounts. I want to know where they are getting this third party information from. If it is not from me, then who did the verification come from? All of this is defined as " hear say '', and can not be used to verify anything.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Contact : XXXX SSN : XXXX Company Complaint : Fair Collections & Outsourcing Re : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Account # XXXX This account is for a residence that I had planned to move into, once I signed the forms I went down to where my townhome was and realized I had just made the biggest mistake of my life. There were people outside smoking weed, and just not a comfortable situation for a single mother of XXXX. I walked right back up to the office, and explained they could cut up the contract because I would not be moving in. Well low and behold this is where we stand now. They never once tried to make contact with me letting me know that they would be charging me for anything, turned around and sold the information to FCO. I spoke with FCO sometime last year 2016 and was so frustrated I told them I would just pay something to have them stop harassing me. I spoke with a manager who in turn did stated to me that they would remove it from my credit due to the situation. I took their words for what they were and noticed this year when I sat and pulled my credit that the account is still there. I contacted the company last week and asked to speak with the supervisor who handled my account and find out why it was not deleted, and was told that they will not transfer me and that what the employee was telling me was all I was going to get.
In XX/XX/2017 I sent a Non-Negotiable NOTICE and DEMAND to XXXX. They never responded with my request.
Around XX/XX/2015 I went to XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, IL to look at engagement rings. A young XXXX haired woman assisted me and asked if she could run my credit score to see how much I could be approved for a loan. After coming back she told me I had great credit and she opened a XXXX XXXX credit card in my name without authorization.
I live on the west coast. SunTrust bank repeatedly calls me ( multiple times per day ) before XXXX. This morning they 've called me twice. Once at XXXX and once at XXXX. Surely thy ca n't wake me up like this. I have to work. I 've told them for years to stop. They said it 's automated and there 's nothing they can do. How is that legal? They 've harassed me this way for years.
I made my XXXX 2017 mortgage payment at a local us bank branch here in XXXX on XXXX and XXXX around the XX/XX/XXXX of the month, then 2 or 3 weeks later I check with my bank to see if the funds was deducted out of my checking account, and it was not. So I called both the XXXX branch and home mortgage office to see if they had a record of my payment, and there was no such record. So to keep it off my credit report for a late payment history, I made a over the phone mortgage payment that cost XXXX. Then 1 or 2 days later us bank tried to process the original the check which cause overdraft fees of XXXX dollars plus the XXXX fee. I think its strange they could find my check after my calling them I am retired with a modest pension and I do not appreciate this treatment. So I would like to receive the most I can legally get for this irresponsible conduct from us bank ... ..I will include my lawyer letter to us bank and my copies of my bank overdraft fees, the original check ... thank you ..
CONTINUATION TO CFPB CASE # XXXX it's now exactly 90 days, and my personal capital one credit card is still not reporting to XXXX and XXXX, I will attach your original response and you promised that you investigated and " IT IS REPORTING '' WHEN IN FACT IT DOESN'T. 

Then you said, I should give it up to a maximum of 90 days, and it will report. 

Dear Capital One, please understand, one of the reasons I'm being denied credit, or only getting approved for low limits is because this account is not reporting!! 


Please stop with the stories and have this reported. 

BE HAPPY I DIDN'T REPORT TO THE CFPB THE FACT THAT YOU CLOSED MY SPARK BUSINESS CHECKING & SAVINGS ACCOUNT BASED ON A FALSE ACCUSATION THAT THE SAME IP address WAS USED FOR AN ACCOUNT WHICH IS COMPLETELY NOT ASSOCIATED WITH ME, BUT THAT ACCOUNT I GUESS HAD A PROBLEM AND THEREFORE YOU SHUT ME DOWN! 

I understand and respect that capital one has the most beautiful terms and conditions which has ever loophole to violate every consumer law. And I have to give credit to capital one for the fact that their TERMS & CONDITIONS is a XXXX XXXX XXXX best seller for already 5 yeas!! 

However, even with the most beautiful booklet called " terms and conditions ( to let us do whatever we want ) '' I read it again and it doesn't say anywhere you can close accounts based on false accusations. 

But I just let it go and accepted the damage and didn't even bother calling to re-open it, as I knew with certainty there's no-one with a heart that will care no matter what, in fact they'll just have pleasure from it. 


back to the point please report my credit card to the 3 credit bureaus XXXX, XXXX, XXXX I will attach the most recent statement of the credit card which is not reporting so you'll know which was needs to be fixed and report to XXXX, XXXX & XXXX. 


Otherwise, I want to thank you every minute of the day for everything you have given me ( and taken away ) but lets focus on the good, and I am so so so so so proud that I'm a valuable customer from the biggest bank in the world " Capital One ''. 
It really means a lot to me, and again I really appreciate everything!!
Complaint Capital One Credit Card What is this complaint about? Charged off account XXXX for missed payment, I told them that I could not make payment on time because of Hurricane Irma, I live in Florida. 
What type of problem are you having? I paid my bill for XXXX XXXX, I was told by Capital one that XXXX account could not go 180 days past due without payment, so I made a payment on XXXX XXXX. I received an email stating making a payment of {$88.00} to keep your account from charged off, so I paid {$90.00}. Copy attached to this complaint. 
What Happened? Capital one Charged account off, stated that the reason the account charged off was because there was not activity, or payments made in 180 days. 
What company is this complaint about? Capital One Credit Card Who are the people involved? Capital One Credit Card Thank You
XXXX XXXX has reported to the XXXX credit bureaus that I have an account in collection/charge off with a minimum monthly payment over {$28000.00}. I was a cosigner on a student loan for my now ex spouse who failed to pay as ordered by our divorce decree. I was not informed of the missed payments or consequences for the missed payments until XXXX XXXX sued for breach of contract. XXXX XXXX does not seem to want to work with me considering the circumstances and expects payment in full, with XXXX payment, over {$28000.00}.
this was a duplicate charge by the medical practitioner. A complaint should be filed for overbilling practices.
I have statement from XX/XX/XXXX and XX/XX/XXXX that two of my loans through Sallie Mae were sent to XXXX XXXX for collections. To the best of my knowledge, these loans were paid through collections, and I received no further correspondence regarding them until XX/XX/XXXX, when I was contacted by XXXX XXXX ( XXXX XXXX XXXX ) about the same two loans, now being serviced by Navient. At the time I didn't realize that these were the same loans. 

Now, after several months of trying to figure this out with Navient, I do believe that I may have paid these loans a second time, in error. Additionally, after contacting the University which Navient reports that these loans were dispersed to, they have no record of any private loans for my tuition. I am unsure how to proceed at this point, as Navient is still trying to collect payment for two more loans. I was advised to begin by filing a complaint with CFPB.
I have worked for the Federal Government for 17 years and the XXXX XXXX XXXX says that I do not work for a qualifying agency. I work under XXXX. XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX. It IS a qualifying federal agency. 

I have made over XXXX qualifying payments. It is obvious that the legislation is not backdd by proper funding. It will be a war to make them forgive my loans.
Good morning, We're writing to you, in the hopes that you will assist us with our negotiations, with US Bank. My nephew and I have owned our home for just over 4 years now and, last year, I was placed on XXXX XXXX and my nephew lost his job. 

Unfortunately, we fell behind on our payments and, although our hardship has been resolved, US Bank has been delaying the approval process on our loan modification, for more than a month. 

We began this process onXX/XX/XXXX and in that time frame, we've been repeatedly misdirected, misguided, and flat out lied to. The representatives that we are working with are giving us information, one bit at a time - this is delaying the process and causing extreme stress for both my nephew and I. 

We have more than enough income to support making our mortgage payments and simply want to put this matter behind us. U.s. Bank claims that our file has been in Active Review, with Underwriting, since XX/XX/XXXX. This decision should have come weeks ago, per the individuals that we've spoken to. Please assist us with this situation. 

THANK you!
I spoke with Navient last month in XX/XX/XXXX. I was enrolled in a 15 month program for my private loans - I was given a 15 month program for my loans at a 1 % interest rate as I was struggling to make payments. This program worked out very well for me. My income was not increased this year. I called in XX/XX/XXXX ( program expires in XX/XX/XXXX ) ; I was told that I should call back in XX/XX/XXXX after the payment when the program expires. I called last week, XX/XX/XXXX and spoke to a number of representatives. I was told that my loans were NOT ELIGIBLE for a rate reduction program again. The programs are now only 6 months in length and must be applied for every 6 months. Ridiculous - as I do not have time to call and spend lengthly amount of time on the phone. The representative I spoke to told me I was not eligible, but 2 different representatives could not give me a reason why. I was just told it is not available for you. I explained that I absolutely need to be in this program, I can not afford payments and I would be at risk for default. I was told " the software resets over the weekend we will schedule a callback on monday at XXXX to review ''. 
It is a little past XXXX on monday now, still waiting for this phone call.
I received an Amazon.com Chase credit card on XXXX 2016 and just received another letter that an application was submitted for another Amazon.com Chase credit card ( letter dated XXXX ). Both times, I did not apply for either credit card. The first time I received an actual credit card in the mail, canceled it immediately and ensured the card was removed from my credit report. The second notice of an application was actually denied. Called Chase immediately, they canceled the card and also removed it from my credit report. The agent from Chase asked if I was a frequent shopper at Amazon.com. We are and have a XXXX membership. He indicated that applications can be easily submitted when you have an account with them. But find it very upsetting that this happened to us twice when we gave no authorization for a card to be opened. I called Amazon.com and submitted a complaint with them directly, but feel that this is the best way to ensure this is taken seriously.
I, m paying XXXX a month for 41 months on a 2007 XXXX sport vehicle think this is excessive The company I make payments is Orbit Leasing INC. XXXX, mi XXXX. VIN # XXXX Please look into this
Upon being notified about alleged debt, I was given 30 days to respond and dispute validity of such debt. I responded within three days period and advised of my intent to dispute said debt. I also provided additional information pertaining to another medical insurance that was supposed to cover medical payments. Approximately one week later I received similar later advising me of same. I responded to this communication in timely manner and once again disputed said debt and provided additional information pertaining medical coverage responsible for the payment. Third communication from the debt collector arrived on or about XXXX XXXX ... This time a payment was demanded and no mentioning of correspondence sent by me was mentioned.
Dear Sirs : I made my mortgage payment that was due on XX/XX/2018 on XX/XX/2018. Copy of that payment notification is attached. Ditech has not posted this payment to my account to reflect that the payment was made. They created a statement on XX/XX/XXXX reflecting that the payment is due on XX/XX/2018, attached I called during the week of XX/XX/XXXX- XX/XX/XXXX and was directed to the servicing department who stated that they would fix the issue and that i would receive an E-mail to that affect. I received an E-mail that the problem had been fixed and was directed to go to the web site. I went to my account on the web site and nothing had changed. I called the week of XX/XX/XXXX-XX/XX/XXXX and was told that there was a computer issue and that i would receive a statement. This has not happened as of this note to CPFB
I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. They stated that these accounts would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX XXXX on my credit bureau and it's negatively impacting my score.
I have made more 3 types with Experian, XXXX and XXXX XXXX to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, XXXX XXXX
Attended 1 year of college at XXXX University in XXXX XXXX, MN. Was unable to pay for the loans after leaving. I am now in a position to pay the loan but the law firm handling my debt wo n't return my calls to work something out. I have been garnished and leveed without receiving a summons to court.
In 2015, I was in a really rough spot financially and got very behind on my student loan payments. I have since then, gotten in contact with my lender to establish a payment plan within my budget. But because of my rough patch in 2015, my credit score is struggling from all my missed payments.
THIS IS MY THIRD TIME SENDING NOTARIZED AND CERTIFIED LETTERS TO THE 3 CREDIT BUREAUS IN REGARDS TO THE SAME THING THE XXXX XXXX COMPANY SENT ME A CANCELLATION OF DEBT FOR THIS ACCOUNT WHICH I TOLD THEM WAS NOT MIND AND EVEN THOU I SENT THIS TO THE CREDIT BUREAUS TO HAVE THEM TO IMMEDIATELY HAVE THIS ACCOUNT REMOVED FROM MY FILE THEY STILL REFUSE TO REMOVE IT NOW THEY HAVE IT REPORTED AS A CHARGE OFF WHICH IS NOT CORRECT THEY ARE IN VIOLATION OF THE FCRA AND YET NEVER PROVIDED ME WITH PHYSICAL PROOF OF VERIFICATION THAT I HAVE A CONTRACT WITH THEM IF THEY SO CALL DEBT WAS CANCELLED WHY ARE THEY REPORTING IT AS A CHARGE OFF
My husband refinanced our home & property with Prosperity Bank - it is handled out of their XXXX, Texas office. During the refinance process, I was left off the paperwork - therefore I have no responsibility or authority with any aspect of this loan. 

Three years ago, we fell into financial problems & were behind on the mortgage, but it was caught-up & has been current for over 18 months - close to 2 years. 

Based on paydays, the loan is paid on the XXXX of every month & Prosperity has been aware of this for 2 years - nothing has changed. However, there is a gentleman with the bank, XXXX XXXX, who calls ME every month - sometimes up to 3 times a day. He has my husband 's phone number as a contact & I was added as an emergency contact only. 

I can not get any information about the loan, I can not make any arrangements ( if it were necessary ), I have literally zero ability to handle any aspect of this loan or the property, because I am not on the loan. But ... every month, I will start receiving harassing phone calls about the loan. Every month, XXXX XXXX is told the same thing : the loan will be paid on or before the XXXX & do not call me again. He has been told this for at least 2 years - but he still calls & harasses me every month. 

My husband no longer lives with me & travels 100 % of the time. Again, because of the refinance, I have no authority over the loan or the property. XXXX XXXX is very aware of this because he has refused to provide me with information about the loan in the past. 

Every month I tell him to stop calling me, as this is not my loan - not my mortgage - not my account, but he never stops. Last month he called me 3 times in one day, on both my home & cell phones. He 's started the harassing again today for the XXXX payment. 

I know that the mortgage is current & all late fees are paid each month. There is no reason for this man to continue calling & harassing me every month. This is not my loan or my responsibility.
After submitting proof of payment to XXXX  several times about XXXX XXXX account on my credit report that was paid off by my insurance company which is XXXX XXXX, they were paid in total back in 2016. So therefore I dont owe anything on this is this should reflect account paid in full and in good standing and removed from my report in total.proof is attached
On XXXX XXXX, XXXX at approximately XXXX I went to the Bank Of America Drive Up Teller located at XXXX XXXX XXXX, XXXX XXXX NC XXXX. I went to cash my payroll check as I normally do. I was told by the XXXX XXXX that there was a {$1000.00} limit at the drive up teller. I have cashed my check multiple times at this drive up location and have never been told before about this limit. I then told him no worries I would use the ATM for Teller Assist. I went and waited in line for the ATM then proceeded to use Teller Assist to cash my check. I was greeted by XXXX from Teller Assist on XXXX XXXX at XXXX who proceeded to cash my check. She had me verify the information and asked me if I would like a receipt with check image which I did. She placed me on hold and came back after several minutes and told me that she could not verify my check and I would need to go into the financial center. At this point I was very frustrated and asked for her supervisor, she then simply hung up the session without letting me talk with a supervisor. I went into the branch and expressed my frustration with the teller and asked for XXXX the branch XXXX to give me a call which he never did. I called into customer service to express my concerns and asked for a follow up. No one ever contacted me. I called back on XXXX XXXX and spoke with an agent and supervisor who again forwarded my complaints to different places but informed me they could not promise a followup. My check is a payroll check from XXXX XXXX XXXX, XXXX. my employer which is a check that is drawn on Bank of America at that very location I went to. I have issues cashing my check here with delays nearly every XXXX and XXXX of the month that I go here to cash my check. There are no issues with the business account as I am the book keeper for the business so there are no excuses why I have to keep experiencing the types of delays I am. If Bank of America wants to continue to cause me delays twice a month then they need to schedule a meal to be served to me because my time is valuable and I 'd rather not be spending my short lunch break trying to deal with the tellers and having to wait unnecessarily. Since this is a Bank of America check and I 'm an account holder it is pretty egregious to have me jumping through all these hoops to cash a check twice a month. I 've attempted to resolve these issues with Bank of America to no avail.
I have requested that these accounts be removed due to both fraud and failure to prove the debt as being mine. We filed and submitted documents for identity theft and submitted to them on XX/XX/XXXX The Credit Bureaus have failed to respond with the signatures as required by Federal Law and must delete the accounts on my report.
I opened an acc ount with HSBC, and was supposed to get a {$100.00} referral bonus, plus a {$250.00} bonus for having a combined {$ 35000.00} in checking and brokerage account. I spoke with a rep who helped set everything up and confirmed it was ok. However, I did not receive the aforementioned bonuses. Additionally, t hey changed the fee structure on top of all this. I therefore moved out the funds and incurred a {$95.00} fee. ( added to this, I was not reimbursed the {$50.00} fee for moving the funds in ).
I have already graduated from school. I have been dealing with the crook practices of Sallie Mae/XXXX since I have graduated. We have already contacted our local news station and after that they were willing to work with me. However, the person I have been talking with these past 3 years is moving positions and I had to return to calling the XXXX number for them for the rate reduction plan. Basically they are very unwilling to work with getting the payment to a manageable one based on my income, basically leaving me penniless between expenses and their payment, which would eat up the entirety of one of my bi-weekly paychecks. I expressed concern, bringing up possibility of emergencies for an example and they were extremely uncaring and did not want to budge. I am not unwilling to pay them, I understand that but they need to work with customers. I have had nothing but issues with them since 2011, even then they were threatening me and insulting my intelligence, basically calling me an XXXX, by one of their managers.