WillisBack/dataset-financial-user-claim huggingface dataset:
I RECEIVED A LETTER FROM C APITAL ONE C C DATED  XX/XX/XXXX  ATTACHED TO THIS CASE. I DO NOT KNOW IF C APITAL ONE  NEEDS SOMEBODY ELSE TO REVIEW THIS CASE OR SOMEBODY WITH KNOWLEDGE IN REGARDS TO THE DISPUTE. I HAVE CALLED  CAPITAL ONE  CC AND EXPLAINED IN DETAILS.   I NEVER HAVE DISPUTED AGAINST CC #  XXXX , THAT CARDS IS 100 % CORRECT AND FINE. THEY FINALLY REPORTED THE CORRECT BALANCE ON {$0.00} OWNED.   NOW  CAPITAL ONE  CC #  XXXX  --  XXXX  IS THE CARD I AM DISPUTED. AGAIN FOR THE  5TH  TIME SINCE  XXXX  &amp; gt ; THIS CARDS IS A DUPLICATE FROM THE ABOVE CC #  XXXX . &amp; gt ; IT WAS A  XFER CARD FROM ONE CA RD # TO ANOTHER #!!!!!!!! I HAVE ATTRACTED AGAIN THE CC REPORT SO THEY CAN REVIEW THIS WITH THEIR OWN EYES!!!!!   OVERALL I ONLY HAV E 1 AND ONLY 1 CARD WITH CAPITAL ONE O PEN   XXXX   WITH A LIMITED OF {$8500.00} AND BALANCE OF {$0.00}.   SO PLEASE FOR TH E 5TH T IME TAKE CARE OF THIS OR I WILL BE CONTACTED MY CONGRESSMEN.
XXXX XXXX, XXXX - I twice attempted to start a credit freeze with Experian on my credit report. Experian declined to provide me with a security freeze on my credit report. They failed to provide a reason for their denial. They indicated I was required to submit a police report or complaint of fraud violation. They were not helpful in providing me with information or facilitating my attempts to freeze my credit report. 

I was successful in freezing my credit report with XXXX  and XXXX XXXX with no issues.
To Whom It Concern I disputed an open collection account with  Hunter Warfield Inc on   XX/XX/2017    in regards to an account for original creditor   XXXX   XXXX   for the amount of {$750.00}. For the record I requested debt validation for the debt due to me not being 100 % positive as to who I owe this debt to. I tried researching and to my understanding   XXXX   XXXX   is a property management company. I have currently been living at my recent place of residence for more than for  XXXX  years. In my previous residence I lived for more than  XXXX  years my lease was not broken and unit was properly cleaned and taken care of. Any damages that would 've been noted were due to normal wear and tear due to the fact that I was there for more than 7 years in which the property would assume responsibility. If indeed this company believes I owe any additional monies I believe that my rights to a itemized listing of whats owed is due to me in which they have not replied to my request in the pa st 30 or m ore days. This company has gone to great lengths to change wording and spellings of names and listings of multiple address that makes it hard for the consumer to properly request info thats needed. I ask that if this company can not provide proper documentation within a timely manner that all negative reporting be removed from all of my credit reports.  <P/> Thanks  Advance
In XXXX I when shopping for a Home Equity Line Of Credit ( HELOC ) so that I can pay off bills and make home improvements. On XX/XX/2018 I went to Regions Bank mainly to ask questions and gather information to see if this is where I wanted to apply for the HELOC. They were very helpful and answered all my questions. I shared with them my credit score, my personal finance and some of the negatives that I had on my credit history. I was trying to get from them, if I should or shouldn't apply based on the information I was providing. I knew that applying would result in a HARD INQUIRY on my credit which would affect my credit score. I didn't want to apply if the information I was sharing didn't prequalify me to move forward. But from the positive response I received I didn't see a reason not to apply. I was informed that the underwriters makes all the decisions on the applications. 
After weighing everything I returned To Regions Bank on XX/XX/2018 and applied for a HELOC. By the end of the day on Wednesday, XX/XX/2018 my credit application was denied. Now I have NO HELOC and left with a HARD INQUIRY on my credit. I have a checking account with Regions because I like them. So I'm not trying to hurt them. I need your help in getting their HARD INQUIRY off my credit report IMMEDIATELY so I can continue to search for the financial product that I need to do what I need to do for my home and personal finance.
On two attempts I have advised RESIDENT COLLECT that I do not owe any debt to them nor do I have any legal binding contract with this company for any debts.   My case was settled and I have provided court records showing that the case was settled with the original creditor.The debt that they are trying to collect is not valid. I do not owe Resident Collect any money and I am not in any agreement with Resident Collect per the FCRA they have a obligation to show and validate such debt. A copy of a lease from the previous creditor ( which whom I settled with ) is not a valid for of validation that I owe Resident Collect any money. This company continues to report on my file and this by law is n't right. I called the original creditor and they have no file for me and are under new management to date. I will not pay a company that I owe no money to and no legal binding contract
I recently brought a new house in XXXX 2015. After buying the house throughXXXX XXXX XXXX XXXX they sold to mortgage to XXXX XXXX. 
However, XXXX is displaying on my credit report, so it shows that I 'm payingon over XXXX dollars in debt. The house cost {$220000.00} and it showstwice on my report. XXXX has sent an control number ( XXXX ) the XXXX and Trans Union andthey have yet to correct the error. Since I have gotten denied credit because itshows I have to much debt. I request to have Primary removed or correctedASAP! Please assist me with this issues as the agencies have had over 3months to correct this error
I Have been trying get the credit bureau 's to correct my information to be accurate and they have not resolved this issue and keep telling me to address with company 's I know nothing about and the company is reporting address from other peoples residence and their accounts
On XX/XX/XXXX my husband and I applied for a HELOC through our Mortgage servicer, Wells Fargo. We identified in the application that we are XXXX XXXX. Our credit scores in the in 700s and we have good income. 

XXXX XXXX XXXX was assigned as our point of contact for the HELOC application process. She requested I write a letter to explain my job history and income despite providing 3 years of XXXX statements when only one year is required. Her manager also requested putting the companies in the letter as well. These two requests caused the process to take longer than necessary and was the first sign my husband and I had that this could be discriminatory practices to limit/prevent XXXX XXXX  from obtaining funding for home improvements. 

A few weeks later, we were informed by XXXX XXXX XXXX, our point of contact for the process, that we were being denied. She informed us the underwriter reviewed the data and that we were being denied ( 1 ) due to having a modification performed in XXXX that reduced the balanced by {$23000.00} ; ( 2 ) because the Loan-To-Value ratio did not meet the criteria set by Wells Fargo for approval. XXXX informed us despite this, the underwriter still attempted to find a smaller amount that could be approved but was unable to do so. We advised her we feel the entire process we experienced was discriminatory based on our XXXX XXXX  status that was identified in the initial loan application and that we would be filing a complaint with the CFPB. She advised she would have an executive contact us for further review. 

On XX/XX/XXXX, my husband and I spoke with XXXX XXXX, the executive representative XXXX XXXX XXXX referred us to. He advised the same two reasons mentioned previously that we were denied. I advised him we had been informed that by XXXX and challenged the validity. I asked XXXX if the reasons we were denied are regulatory reasons or if these are Wells Fargo policies. He replied they are Wells Fargo policies, not regulatory policies. I also advised him of the discrimination we feel the process has taken us through. He replied an internal investigation was performed and it was not found to be discriminatory. I advised him as I did XXXX that Wells Fargo recently settled with the CFPB in XXXX for discrimination specifically against XXXX XXXX   and it seems these practices are still taking place despite that fact and that I would be filing a complaint officially with the CFPB.
XX/XX/18 Someone named Mr. XXXX called me and told me I was being sued and to gave me a fake court date. He gave me my ssn and my wife 's ssn. Then claimed that I needed to show up in court unless I settled the debt today. I asked which account it was for, how much, and who was he filing on their behalf. He wouldn't tell me. He then said I needed to be a decent human being and pay this debt today. After I asked him what account and when was it from, he began to launch personal attacks. He mispronounced my wife 's name and then just used her middle name. Then said that my wife could have done better than marrying a dishonest person like myself. And then he hung up on me. I called him back 4 different times. He continued the personal attacks and hung up on me each time. He then called my wife and continued the personal attacks. Not once did he say he was calling from a collection agency. Instead he claimed to be an attorney from XXXX XXXX. XXXX. He has now called my work numerous times. I told him not to call me there and call me on my cell. He purposely keeps calling my work and my wife.
Well, I just filed a complaint recently about Bank of America. Well we got a letter from XXXX XXXX My husband did call her she apologized etc. Well she said she needed more time to look into this she told my husband she would call him Wed,XX/XX/XXXX She said between 2 and 3 yes he carved out a time at work and waited for a call, guess what, no phone call We get a letter Friday XX/XX/XXXX " apologizing '' saying she needed more time. First of all a poor way to do business That is like I make an appointment and do n't show up and then send a letter or a email 2 days later. Poor customer service. Mean while my husband went to to the local bank of american and spoke to the manager and he agreed, he could n't get away with sending a letter saying he missed an appointment. Meanwhile she claimed in her notes she called, todayXX/XX/XXXX She did n't call and if she did no voice mail.She promises to call but does not. Bank of america seems to be known for lying. My husband had his phone on all day. Meanwhile we still got 2 different payments and nobody can answer our questions. One payment is XXXX and XXXX I can praise the bank manager XXXX nice guy, If we honestly do n't hear soon from bank of america mortgage, our next trip is to XXXX NC to the main bank. <P/>I will keep on complaining and complaining until someone answers our questions. We are tired of promises they do not keep. Poor customer service.
I paid my home off on XXXX/XXXX/15 which is 8 months ago. I have sold my house and can not get a release of lien. I am supossed close on Monday XX/XX/XXXX. Can you help me?
I paid off my 5.5 % interest mortgage in XX/XX/XXXX with Bank of America. I never received a final reconciliation report so I called on XXXX XXXX and was told that the lien release would be sent shortly and that I would get a {$60.00} refund. I did get the lien release notice a couple of weeks later but have not received the reconciliation report or the {$60.00} refund. Sounds like B of A is up to their old tricks again.
i had an account with XXXX I opened with my daughter in XX/XX/XXXX. I purchased XXXX phones. In XX/XX/XXXX, I paid off the phones and cancelled my service and left my daughter on the T-mobile account. She was paying the bill. The bills were forwarded to HER home in N.C. and she was paying them. Around XX/XX/XXXX, my daughter purchased a 2 YEAR contract w/an XXXX. I was contacted when she wanted to purchase the XXXX and I told XXXX I was no longer the owner of the account again. They again removed me from the account, approved my daughter for the XXXX and I thought that was the end of it. Then I stopped receiving my mail all together, and discovered a change of address had been put in for me so I called the Post Office and had my mail switched back to my home and I discovered XXXX was charging me for 'something ', so I called and told them I did n't have an account. They said they fix it and again I thought they 'd figure it out. I confirmed with my daughter that she was paying her bill because I continued to get bills saying my account was over due, but she assured me she was paying, so I ignored it, and figured we were just being double billed. Finally in XX/XX/XXXX I received a collection notice, when I called I was told it was for an XXXX. It turns out that XXXX was billing me for her XXXX and billing my daughter only for phone service. They were trying to hold me accountable for her purchasing the phone but were billing her for the monthly service. I called several times with my contract showing I never authorized anyone other than myself to purchase or use my account. While this point is moot as I cancelled my account in XX/XX/XXXX. There are numerous calls from me cancelling the account, and my daughter opening an account. The account my daughter opened was a special account that allowed for a two year contract with the purchase of an iphone. XXXX used my credit to give her an XXXX. I spoke with several representative there, and my daughter does n't have a problem paying for the XXXX under the terms she thought she was agreeing to, i..e a two year plan which included the price of an XXXX. I am not responsible. Further I should n't be in collections. I called this evening after having been promised that I would be removed from collections, the outstanding balance would be transferred back to my daughter 's account, she could pay over the term of her contract as it was stated and that my credit report would be corrected. Now, I 'm being told by XXXX that they ca n't do it. It 's been too long they are n't resposible.
I had a debt with XXXX in which I was paying for a deductible for an accident. I set up a 6 month payment arrangement with an agent for {$310.00}. The first deduction was electronically pulled from my account on XXXX/XXXX/2016. I received no email or written confirmation of this agreement nor did I receive a receipt. I had no idea, at first, what the charge was because all I saw was the amount deducted from my account. I call them in XXXX to request statements and complain about not receiving any. Then I was informed I still owed XXXX after I had already made 4 months of payments. I was also informed the representative that set up this arrangement did not follow proper procedures and that a 6 month arrangement was not an option, that I was supposed to make that payment in 30 days. I then informed them I would not be paying the new balance as that is not what I agreed upon. That day I spoke with XXXX different people from TransWorld. The last person I spoke to was a manager by the name of XXXX XXXX, phone number XXXX. I asked him to retract the recorded call in which I agreed upon the payment arrangement. That was The week before XX/XX/XXXX, he told me to call after the holiday. I told him I did not any more payments being deducted from my account until we figured out what was going on with my account. He assured me he cancelled any future payments. I called XXXX XXXX the first week of XXXX as I finally got my first statement in the mail from Transworld stating they would deduct XXXX from my account on XXXX XXXX. I called XXXX XXXX again to ask him why I was receiving this notice after I told him I wanted to cancel any further payments and he assured me it was just an automatic statement, and that the funds will not withdraw from my account. I also asked if he had heard back from the department that has access to the recorded calls. He said he did not, that he would give me a call tomorrow after he spoke with them. I did not receive a call from him the next day. It is not XXXX XXXX, 2016 and Transworld deducted XXXX from my XXXX XXXX XXXX account today. I am now canceling any future payments from this company with my bank and I want to take legal action.
On XX/XX/XXXX I was alerted by XXXX that there was an unpaid debt collection added to my credit report by a collections agency named " XXXX XXXX, XXXX '' for an unpaid balance of {$260.00}. After reviewing the item in more detail, I was able to find very limited information and could only find out that this was in relation to an unpaid balance that a company named " XXXX XXXX '' had claimed was outstanding. I have never heard of either XXXX XXXX or XXXX XXXX, XXXX and have absolutely never done business with them. I have never received any communication from either company with regards to any matter including an account being opened or an unpaid balance, and have also never received any confirmation or validation of debt on my name. On XX/XX/XXXX I repeatedly called Convergent to find out why they have an outstanding balance on my credit report and to request more details in order to resolve. I was repeatedly put on hold and transferred to several different representatives who could not provide any additional information or confirm this activity on my credit report. These attempts to find out more information resulted in them hanging up on me, as well as telling me to call their " Corporate Office '' at the same phone number which I was already dialing that directed me to the representatives I have already been speaking to. Due to the fact that there was no communication of the an account being opened with XXXX and no validation of debt provided I am very confident this unpaid collections is a result of fraudulent activity against my name and want to have it removed from my credit report as it already affecting my credit score unethically and unlawfully.
Evergreen Pro Recovery sent information to XXXX and XXXX some how put someone else on my report {$100.00} can you please help me get this off my records???
Wells Fargo Bank allowed charged and account changes despite my calling and telling them my account were compromised. My Credit Card provided a line of protection and unfair and excessive fees were assessed, although sometimes waived in my favor. The bank was informed of a stolen debit card, and was supposed to replace the funds in a timely manner. After account numbers were changed at my insistence, the bank penalized me by closure of my accounts.
I have contacted XXXX, XXXX, and Experian several times via phone and online on numerous occasions in regards to inquiries that I did not authorize or I was not familiar with. I get the same results every single time and it is affecting my scores and it looks like I have been searching for credit opportunities which I have not. I am trying to purchase things and it has made it practically impossible to do when seeing places that I didn't acquire credit from. I have disputed and reached out to the credit bureaus on numerous occasion. I need the companies to send proof or validation or it needs to be removed immediately. 

The following inquiries were not authorized : XXXX XXXX x3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX x2 XXXX
I contacted my student loan servicer Navient in orde to get affordable payments arranged for my student loan. After long painful discussions with several representative they made it clear that based on their terms are the only options available regardless of what i could not afford. They took my financial information my expense information which left me with almost {$180.00} a month. I was willing to pay {$75.00} amonth which left me the remainder for foodand, clothing and out of pocket expenses. They were not willing to be flexible and were demanding {$190.00} a month to pay for the loan which leaves me with no money for out of pocket or food expense. I expressed the reasons explicitly to why i could not agree to that amount based on my well being and for agreeing to a payment i could not afford. Their solution was to either agree to making a payment that I can not afford and/or keep the lian the way it is at $ XXXX month and default because i cant afford to make the payment thry want. They transferred me to several representatives who were rude, hostile, and lacked customer service and would not accept a the payments i wanted to honor. The last representative was unprofessional enough that he hung up on me without taking my payment or coming to a middle ground on my account status. How does one repay a debt to a company who promotes " honoring hardships '' and not willing to accept any flexibility for low income borrowers. This company is misrepresenting what they say they stand for. This company is mistreating and taking advantage of loan debtors who are willing to repay their loans.
XXXX and XXXX are not properly investigating the multiple disputes I have submitted via mail and by this agency. I have disputed the false and deceptive reporting of Americollect over 6 different times. This company is violating my right to a fair and accurate report and even reported back to the consumer that my complaint is FRIVOLOUS! This is a real and valid complaint. Americollect has not provided myself or any credit bureau Validation that I owe them ANYTHING. These are not my accounts and the credit bureaus are not investigating these seriously doing a careless job.
Ive been unable to receive my free annual credit report from Transunion and XXXX for the past two days ( XX/XX/XXXX-XX/XX/XXXX). When ordering online through XXXX or the company Web sites, each attempt returns an error message stating technical difficulties ( Transunion ) or the site can not be reached ( XXXX ). Also, neither company seems to provide a contact phone number for customer service or technical support on its Web site. The inability of customers like me to receive our credit reports, as allowed by law, in a timely way, combined with the lack of timely customer service on the part of these companies, is unacceptable. It is especially so, given the recent XXXX data breach and the subsequent need for consumers to act now to protect their identities, including by reviewing their credit reports.
Got call/voicemail from " legal courier '' XXXX XXXX from protected number who stated that he will be delivering legal papers to my home address on Firday and to make sure that I am available. This papers are filed against me in case with my SSN and provided me with reference number ( XXXX ). He also said that I need to contact issuing office at XXXX with any questions. Same voice mail message was left at my parents home phone number and I never listed that number as my phone number. I called given number and it was anwered by XXXX XXXX from Lion Stone Holding LLC who state that they filed case agains me for debt of {$1400.00} and if I do not pay it immediatelly I will be subject to legal case and possible arrest. I end up paying XXXX i have copy of " receipt '' as well as voicemail message available for further reference. After doing some research no " legal courier '' XXXX XXXX exist. I beleive it was a scam.
I just received a notification from my payroll department of a judgment for garnishment in the amount of XXXX. I NEVER HAVE BEEN SERVED OR SENT A CERTIFIED LETTER NOTHING. Had I been notified of this debt I would have acknowledged or objected depending on what the debt is for!! Now my payroll director will be deducting XXXX $ every paycheck. I am a single mother who if I have to pay this along with my other bills and obligations will cause me to lose my house!! I work XXXX jobs and I 'm obtaining my XXXX XXXX. This is illegal! I was never given the chance to to object or even to take care of this debt on my own without getting my corporation involved!