WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I bought a new house worth {$280000.00} and I did my closing for the house in XXXX XXXX. I had to wait more than a months all because the broker that seller introduce me to and seller where not communicating. My complaint is that I am in the military and i XXXX a lot but my XXXX was to be a tax free until I found out I am owing amount of {$2800.00} for my XXXX tax return. Because of none available fund to cover this payment, the broker told me to found way for the money and he will pay me back half of the money to me after closing. So I had to borrowed from a friend in other to get the house. To make it short since I closed the house, I tried many times to get the money the broker promise me but a lied. Last time we talked in XXXX, he told me he paid the money to wrong bank account instead of mine. XXXX XXXX was last time I talked to him about the money but he keep giving me excuses, so I had to stop contacting him when I figured out it was a fraud the broker and seller had planned for me just to buy the house. I had to make this complain because twice I thought of filing bankruptcy since I bought the house and that I do not want this to happen to anyone else. People like this were involved in housing collapse in XXXX. My situation is more than this but I will really need to explain more. This man needs to be stop since his running around working from one lender to another. To let you know, I will be making complaint to the FBI and HUD. I want this man be investigate and everyone that was involved for that process. I have there names and contact information which will be helpful to share if I get reply back. Thanks.
I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MTR with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, XXXX, and XX/XX/XXXX.
Essentially I was verbally told I would have points waived in order to qualify for rate I was quoted by the Citibank lending agent team. One week prior to closing I was told discounts were already applied and that I only had two options : 1 ) pay higher interest OR 2 ) use points to buy down to initial rate quote ( this was on a 60 day lock ) I chose to got with buy down option, which cost me ~ {$1500.00} to secure the lower interest rate, which agent said would be waived. 

Loan has since been given to XXXX
My credit reports with XXXX, XXXX and experian show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.
Filed a complaint yesterday against XXXX XXXX. XXXX XXXX XXXX ( XXXX ) called us and again threatened legal action. And refused to validate the debt. XXXX sent a letter to XXXX yesterday requesting all communications be in writing and that the debt be validated. Today the debt is {$340.00}, not {$790.00}.
I continue to get a call from Midwest Recovery Systems for a debt regarding a payday loan from XXXX. I have tried to contact the originating company that they claim the debt was from and the company either never was in business or is no longer in business. They have placed this debt on my credit report. It shows on my XXXX once and XXXX twice. They say that I owe {$860.00}. They have not been able to present any original documentation that show I took out this loan and refuse to remove it from my credit report.
I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
follow up to complaint number XXXX submitted XXXX/XXXX/XXXX TransUnion did not provide a responsive reply. The letter I sent to the company specifically stated " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 2 ), you are required by federal law to disclose the sources of information in a consumer credit file ... ..Pursuant to FCRA 609 ( a ) ( 2 ) : include the names and contact information of who you spoke to that verified the bankruptcy records ( furnisher of information ) and copies of documents they provided ''. 

Transunion has not provided the name of the person or persons spoken to nor the records used to verify. It is interesting how Transunion verified considering that I used the voice system to verify myself and the information is incorrect. Therefore I am very interested in knowing how Transunion lawfully verified BOTH bankruptcy public records since they are not verifiable and have incomplete and incorrect information. In which case they must be removed according to the laws previously cited. 

Therefore, because verification of the account can not be determined, the credit reporting agencies are obligated by law to delete in this case, an item, or entry, from all credit reports and 3rd party reporting agencies. The bankruptcies must be removed pursuant to Section 611 ( a ) ( 5 ) ( A ) ( i ).
There was a fraud alert placed on my Citibank Credit Card. 

I called the number as required, customer service indicated they have to verify my account by phone number. When I provided my phone number Citi said they can not use it to verify. This is the same number I have on file with Citibank. If I open my account access and check my phone number it is the same number I provided them. I 've had this number for years, this number is able to receive calls and texts. 

I have no other way to verify my account with Citi, personal details were not sufficient. This limitation now makes my account unusable, so while I have an account with them, their inability to verify me in a way beyond using a phone number makes my account useless. I 've never experienced this with any bank. As of now I can not use my account.
I want the CFPB to continue its investigation on the 2017 Equifax data breach affecting nearly every American who uses and has ever used credit in this country, as well as many non-Americans abroad.

For the CFPB to announce that they are not going to continue their investigation is unconscionable. American tax dollars are funding this agency specifically to look into these kinds of issues and the agency needs to continue the investigation into wrongdoing on Equifax 's behavior that caused the information to have been leaked, and their potential criminal behavior especially from their CEO/CFO 's in between the time they learned of the hack and the time it was announced to the public, and since. 

Specifically, the illegal selling of stock market shares after learning of the attack and before making the public announcement. 

Specifically, the extremely long time between learning of the attack and the public announcement. 

Specifically, the attempt by Equifax to try to shirk their liability in an insincere and deceptive way by sneaking it into an agreement by accepting their offering of credit monitoring services. 

The CFPB needs to do their job here and those at Equifax need to be looked into, and those responsible for the mishandlings of personal data need to be held accountable for their actions. I'm calling on the CFPB to continue their investigation fully.
Equifax has reinserted an account that was previously deleted from my credit file with no notification what so ever. The following account was previously deleted from my credit file over a year ago. 
XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$3300.00} XXXX/XXXX/XXXX CHARGE-OFF This account was disputed as fraud and a police report was provided and the end result was the account was blocked/deleted. Equifax has violated the FCRA by reinserting this account that was previously investigated and deleted/blocked. 

I have also disputed the following account with Equifax in the past month as not belonging to me and as being part of fraud : XXXX A Show Details XXXX XXXX/XXXX/XXXX {$1900.00} XXXX/XXXX/XXXX {$1900.00} COLLECTION ACCOUNT I has supplied Equifax with a copy of a current police report, and an identity theft affidavit, but Equifax has refused to comply with the FCRA Section 605 B by using the police report and the identity theft affidavit and removing/blocking the account from my credit file. Equifax sent me a letter telling me that they were not going to comply with the FCRA and were not removing the account from my credit file.
I have submitted several request to have the inaccurate information removed from my credit report and provide proof of debt owed.  Eastern Account Systems  answered the initial complaint with the CFPB and by their own admission stated the name was not the same as mine and as they stated was missing a " letter ''. However, on the screenshot they mailed to me it was more than missing a letter. It was missing a letter and misspelled. Again, per the FCRA any inaccurate information CAN NOT be reported to the Credit Bureaus yet they are by their own admission reporting inaccurate information which if unresolved after this attempt I will be forced to seek legal action as well as report to the BBB. Also in their answer they stated  XXXX  as the original creditor with  ONE acc ount number but they are reporting  2 s eparate accounts on my credit report. Also they stated they are licensed to collect in Alabama but failed to provide entity number as I searched and there is no record of their entity in Alabama. Also requested they show my original account contract with charter showing where I opened this account. They only provide the same information as their initial response and no actual proof or information. I am emotionally stressed over this as this is the only collection account on my credit report and they are preventing me and my family from moving forward with personal matters that require positive credit history.
Re : XXXX, credit acceptance ... ..XXXX, cfpb ; all reference appears to be in the co-signers name, XXXX XXXX instead of the " car owner 's '' name..reidun creamer, my daughter . quite clear is the premise of XXXX 's credit report, and quite clear is the company 's reporting to the credit bureaus ... .however, since CAC ( credit acceptance corporation ) is a high risk consumer acceptance company with 21 % or higher interest rate in Colorado to XXXX, with XXXX as co-signer ; and since duplication of any notices to either parties sent, minus any telephonic inquiries to either party wondering or stating that possibly an error in account numbers may exist and why would reidun buy this car with {$1600.00} down and make no payments whatsoever causing a repossession. If CAC would find presence and premise to show relief from reporting this account as a repossession on XXXX 's account, he can go forward with a VA home purchase. if the negative reporting remains, then both XXXX and XXXX may have no recourse but both filing Chapter XXXX bankruptcy, not using the CAC account as credit going forward. We do believe errors on both side exist, and possibly a solution can be seen to rectify and reward.
Capital One has refused to update my credit report by removing the " In-Dispute by Consumer '' or " Account Disputed by Consumer '' and it is delaying the purchase of my new mortgage. I have EXCELLENT credit scores averaging XXXX across the board, with NO derogatories, and this In Dispute status is costing me from being processed. I spoke with XXXX different people at Capital One credit card in the past 2 weeks and each person said that they would send something forward to remove the status and there is no change. I understand that pursuant to the The Fair Credit Billing Act requires that you list correct statuses of my accounts on ALL XXXX major bureaus, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner. 
The account in question : CAPITAL ONE BANK USA, or CAP ONE Acct # : XXXX. There is nothing to dispute since there is no negative history, no incorrect balances, and the items are reporting positively. This is just laziness. For that reason, Capital One must forward a notarized statement on your letterhead which will attest to your compliance to the FCBA and FCRA generally and to my account specifically throughout the period I have been a customer. Otherwise, delete the negative marks you have reported to ALL XXXX consumer reporting agencies within the timely manner prescribed by law.
This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XXXX/XXXX/2010 it has a balanced of {$4700.00}. I 'm aware of the breach that happened to Equifax and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things
LVNV has filed a wage garnishment on me for a debt that equals {$2800.00} from 2008 which is past the limit of state. being 8 years. I look at my credit report ant there was a wage garnishment, I never receive any paperwork from these people and do not owe this debt. This is an old credit card debt that they are trying to collect on.
In  XXXX  o f 2016 Payment for card Lease did n ot get Properly credited and was reported as late
Navient calls me at all hours of the morning starting before XXXX. I have ELEVEN calls to my cell phone before XXXX. This is Harassment! I have put in a request to consolidate my loans that has been received by them as confirmed by email and they continue to harass me constantly. The calls before XXXX are absolute harassment.
This is supporting information to verify all of the facts in complaint Case # XXXX where I report that my " modification '' was indeed a cash out refinance loan because XXXX XXXX did indeed pay off XXXX XXXX without my knowledge or consent and then did not disclose these funds on what they called a modification but which was really a cash out refinance that was done without any RESPA documents including HUD-1 and Right of Recision.
Netspend I got a netspend reloadable debit card for XXXX. During registration, I was forced to give them my social security to have access to my money. I was very apprehensive about giving them my private information. When I initially given the card as a gift, no where did it say I would have to give them my social security number. But I did it anyway because it's a lot of money. Two days after the registration, I receive a a replacement card with my name on it. My first name is completely misspelled. I can't get a hold on any human and the auto system doesn't fix my problem. So now I'm stuck with a card I can't use because my name is wrong on it and I can talk to anyone to fix it and they have my social security number.
To whom it may concern, My name is XXXX XXXX, it seems that I have an open debt collection with Amity Associates in New Jersey. This seems to be due to an amount of money that I owe to a former dentist of mine from 6 years ago. I have just checked what the status of this debt is, and it is open currently. I would like to know why they have this account open and have not made any effort to contact me regarding this issue these past years. My goal is to have a reliable credit score, however this debt collector has a negative impact on my credit score. I would like to settle this situation. Thank you.
This vehicle is currently with the co signer. Company did have my information but made zero attempt to me the primary owner, that the co signer XXXX XXXX was not paying the vehicle. 

I started to notice a pattern of alerts that my credit score was dropping at a high rate and was wondering why, since my payments were on time. 

I checked with XXXX XXXX and noticed that they repossessed the vehicle, with no attempt to contact me. The vehicle was payed again and payments were caught up Anytime this account was in delinquency do to the co owner I corrected it immediately. 

This account is in a charge off state, but payments were current. 

I request XXXX XXXX make fair changes to my account and put it back as an active account with them and take any delinquencies of my credit reports
My ex-husband and I held a joint credit card account. When I applied for a loan recently, it was brought to my attention that this particular account was overextended and in default. My ex-husband was responsible for closing this account and opening a new XXXX after our divorce, thus removing me from it entirely. Since he has not, the status of the credit card is adversely affecting my ability to purchase a car or a home, which I plan to do at the end of the year. I paid the account off in full in XXXX before our divorce was final in XXXX.
On XX/XX/2107 I received and alert stating that XXXX has added a new collection to my XXXX credit report. This is inaccurate information because i paid this debt to Alliance One on XX/XX/2017. A pay to delete letter was submitted to Alliance One on XX/XX/2017 along with a cashier 's check for {$100.00} which stated that upon cashing the check Alliance One would be in agreement of accepting the payment as paid in full for debt and removed this collection from all XXXX bureaus within 15 days of cashing. Alliance One cashed my check on XX/XX/2017 and mailed me a letter on XX/XX/2017 stating that they no longer own the collection and that i should contact XXXX.Alliance One cashed my check then sold this account to another collection company by the name of XXXX
Capital One issued a check for {$2500.00} to me for a credit balance owed to me. The check was dated XX/XX/XXXX. After not receiving the check, I called Capital One on XX/XX/XXXX, they told me it take 2 - 3 weeks to be received. On XX/XX/XXXX I called again after not receiving the check ; they informed me at that point the check had been cashed. I immediately reported to Capital One that the item was NOT cashed by me & reported the item as being fraudulently cashed ( stolen ). Capital One provided me with a copy of the cashed item, clearly signed by someone else. 
Since the I reported this item as being fraudulently cashed / stolen ; I have not received a replacement and I am out the {$2500.00}. I have called Capital One many times only to be told they are researching the issue and no one can give me any further information. The research turn around time is " unknown '' and no one can provide any answers or timeline, nor can they provide what research is being performed. I have spoken with endless representatives and I've captured some of the ID 's XXXX XXXX XXXX - said it was under investigation & I would get a call as soon as there was more information XX/XX/XXXX XXXX XXXX - could not provide any updates or answers XX/XX/XXXX XXXX ( didn't obtain ID ) said she was going to research & call me back by XXXX, no call back received. 
XX/XX/XXXX XXXX ID XXXX - couldn't provide any update, said it was under investigation & there was no one that could provide any additional information or detail. Refused to transfer me to the department handling the investigation. Said the person handling the investigation ID # is XXXX but they aren't available to give her an update & they will mail me a letter with investigation outcome & there is no turn around time for when I'll receive that letter. Refused to transfer me to anyone else, any other manager or her manager but did give her managers ID : XXXX Unable to obtain any updates aside from " it's being researched '' and I've been receiving that reply for 30 days now with no additional detail or turn around time. 
On XX/XX/XXXX I filed a police report and have a copy of the report. Capital One has NOT asked for a police report, nor asked me to file one. Capital One has not asked me for any information to assist them in researching this fraud / stolen check item. 
I am out {$2500.00} and I can not get any answers, them item was stolen and fraudulently cashed and did not benefit me in any way. 
No one at Capital One can tell me the protocol for this issue and what the steps are that I can expect. No written statement or any requests to verify my signature have been requested by Capital One. 
I will complete any requested information and provide full cooperation to assist Capital One in researching this fraud.
I responded to the letter I received XXXX-2018. They dated the letter XXXX-2018 and didn't mail it until XXXX-2018. They received my letter on XXXX-2018. I told them I required proof of the contract within 30 days along with their proof they are not a scam and told them I would only communicate through written means. They continue to call my phone and my former employer. I want the harassment to stop. They also left a nasty voicemail threatening to take me to court and garnish my wages. I have resolved this with the original creditor already.
I had a mortgage that was originated through Countrywide Financial XX/XX/XXXX. This mortgage was sold off to Bank of America when countrywide went out of business XX/XX/XXXX. Bank of America then sold my mortgage to a loan servicer by the name of XXXX XX/XX/XXXX. The problem is that I am being reported as having a late payment history by both Bank of America and XXXX congruently, on all XXXX major credit reports. This is incorrect information as obviously I did not have the same mortgage open with XXXX different lenders at the same time. Any mortgage repsonsibilities to Bank of America have exceeded the 7 year limit for credit reporting. Therefore, I request that Bank of America be removed from my credit reports with all XXXX agencies.
Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX XX/XX/XXXX
This company Credit Systems Intl is on my credit report twice for two separate medical bills that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.
Medical bill was not paid by my father. It went under my name and into collections for me. It was paid in 2015 by myself and it still has not fallen off my credit.
XXXX XXXX refused to remove their inquiry off of XXXX  after six contacts with their company and XXXX  and I have had no resolution. XXXX XXXX removed the inquries from XXXX XXXX and XXXX but not XXXX. I already contacted them via email and have had no response.