WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Credit Card with Capital One for over to years and have NEVER made a late payment. A few months about i decided to open up a 360 Checking account with Capital One on line. They sent me a Debit card and i began using the product. On or about XX/XX/2018, I received a text message from Capital one stating that my funds are not available for withdraw and to please contact Capital one. They stated that they are conducting an investigation on my account and for me to call them back the next day. Capital One ' illegal failure to properly investigate an alleged fraud and Capital One 's illegal behavior in WRONGFULLY CLOSING MY ACCOUNT, UNDER THE pretext of a " business decision to close '' This behavior violated various regulations and laws, including the Consumer Financial Protection Act, the Dodd-Frank Act, and 15 U.S.C. 45 which prohibits " unfair or deceptive acts or  practices in or affecting commerce. As of today, they are stiling holding my funds ( {$2200.00} ) and gave me no reason for closing my acount. This illegal act caused my XXXX XXXX XXXX to be late, droping my credit score from XXXX XXXX. Why are they stiling HOLDING MY FUNDS. WHY DID THEY CLOSE MY ACCOUNT WITHOUT ANY NOTICE.
Hello. I have a credit card issued from Chase Bank. On XX/XX/2017 I purchased a service from an auto graphics company, XXXX XXXX XXXX, and paid an initial deposit of {$1300.00} to have my vehicle " wrapped. '' The deposit guaranteed the work to be performed and completed within 60 days. I used my Chase credit card to pay the deposit after the merchant sent me an invoice via email using their XXXX account. After making the payment, I was no longer able to have successful contact with the merchant and no graphics or wrap was installed on my vehicle. I contacted Chase and filed a dispute on or about XX/XX/XXXX which resulted in Chase somehow finding in favor of the merchant without advising any explanation for their reason. I requested Chase re-evaluate the dispute and purchase and they again found in favor of the merchant. I spoke with a Chase supervisor on the phone who advised me that the merchant claimed that they performed the service and that payment was made AFTER the services were performed. I advised them that was not true and that the invoice even notated that the payment was made in advance of the services. The supervisor advised me to have my vehicle inspected by an industry professional to receive a written opinion to inspect my vehicle and determine if my vehicle received the service I paid for. 

I had my vehicle inspected at XXXX XXXX and received written documentation from the business owner verifying that my vehicle was still in factory condition. I sent Chase the documents they requested and they again found in favor of the merchant. I contacted XXXX and advised them of the problem I was having with a merchant using their processor. I was advised that the merchant is not required to show proof that services were performed, they merely need to state that it was or wasn't. XXXX then discontinued communication with me. I then retained an attorney to assist with this matter which still resulted in the same outcome. A Chase employee replied to my attorney with a confusing, and inadequate letter failing to properly explain their reason for favoring the merchant. I attempted to contact I requested telephone calls from Chase, which I have yet to receive, after learning of some inaccurate details in my dispute. As to date, Chase has not provided me with any documents that they received from the merchant or XXXX that led them to their decision. 

I offered to pay the amount of my card that I believe I am responsible for but was advised the amount in dispute would remain on my account. I have paid interest fees and a higher monthly minimum each month because of this charge where I received no services or benefit from. Please assist with this matter. I will attach documents pertaining to this issue and others if necessary. Thanks. -XXXX XXXX
My mom 's mortgage is now servicing by Select Portfolio Servicing Inc  SPS. 
After three months with them she realize that they were applying her monthly payment to interest only rather than to principle, escrow and interest. When she call to inquire of the situation the told her they didn't see what her problem was. She had to call on several occasion, speak to multiple people before it was resolve. After speaking with few friends about her experience it turns out two of them had face the same situation where one had to have it resolve in court.
XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX NA XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX NA XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Banking
I recently had my credit pulled and noticed that this account was still on my credit report. I know for a fact they are reporting inaccruate information and I even filed a complaint with the attorney general in texas which as ignored and a BBB complaint. I looked up more information about this account and noticed that they are reporting inaccurate information and are not compliant with XXXX XXXX reporting. This account should not be on my credit and the biggest thing is that the late report date is XXXX 2013 when I have disputed it several times after that which means nothing was ever done or investigated.
my job is wrong my address is wrong phone number wrong been marr4ie3d for XXXX years almost
I HAVE ATTACHED MY DRIVER LICENSE FOR NAME SPELLING AND ADDRESS PROOF. ON MY CREDIT REPORT I HAVE FRAUDULENT NAME SPELLING AND ADDRESSES ALSO SOCIAL SECURITY NUMBER VARIATION THAT IS NOT MINDS. I EVER GAVE ANY ONE CONSENT TO USE MY PERSONAL INFORMATION IN ANYWAY. I HAVE ATTACHED MY CREDIT REPORT WERE THE FRAUD IS SHOWING.
A request for validation made pursuant to 15USC 1692g Sec. 809 ( b ) of the FDCPA was sent to the credit bureaus XX/XX/XXXX certified mail USPS for the alleged debt with midland credit management/ midland funding llc asking them to " validate '' and NOT verify the alleged debt by providing a signed contract between myself midland and the original creditor. I did not receive what was asked for because no contract exists. I do NOT owe money to Midland Credit Management /Midland Funding LLC . I am not responsible for this debt there is NO CONTRACT with their company. Midland is continuing to report invalidated information to the 3 bureaus and this is fraud under both federal and state laws and does constitute me bringing legal action against Midland for violation of the FDCPA and Defamation of character.
I too take this complaint very serious as this is affecting MY credit and keeping me from purchasing a home and from getting specific jobs that I am qualified for so this is absolutely no inconvenience to anyone but myself. Midland has mailed me the following correspondence to my address in which I have attached. The BBB complaint is also attached in which they never responded to my final resolution to this issue. They STILL have yet to provide adequate proof to validate this alleged debt. Statements ARE NOT validation and the Bill of Sale with information blacked out or not means absolutely nothing and only looks pretty on paper. As previously asked ... they were to send me a contract between myself, the original creditor, and midland that I have signed. I have NOT received this contract because they do not have it and it does NOT exist. Also, midland does n't have a notarized affidavit of verification from the original creditor. If a contract does exist, it would be between myself and the original creditor and NOT myself, the original creditor and midland. So, midland would NOT be a party with any interest to protect and therefore can NOT subrogate onto a contract without my request for them to do so. Midland would be a stranger to any contract and always will be. I am NOT obligated to pay for the alleged debt.
The right of subrogation does not exist for a stranger to the transaction. XXXX XXXXXX/XX/XXXX, Section 90.
Meaning, There is no right to substitute someone or some entity that was not on an original contract. It is not allowed.
I have NOT signed a contract with Midland Credit Management nor do I know who they are. I have NOT nor have I EVER received services from Midland Credit Management. I DO NOT owe a dime nor penny or anything more to Midland Credit Management. Furthermore, Midland states that the date of first default isXX/XX/XXXX. The original creditor XXXX XXXX is incorporated in Delaware and the statute of limitations for Delaware is " 3 years ''. Based on today 's date of XX/XX/XXXX 3 years from the date of first default XX/XX/XXXX has passed and it is now time barred. Case law says the collector ( midland ) are not allowed claim a better position than the original creditor. Midland you are completely and totally breaking the law and that is fact.
They are claiming I owe {$750.00}. I sent a letter on XXXX/XXXX/2017 to XXXX XXXX, XXXX. They then sent the account to another company and I requested validation of the debt with them as well and they have not provided it. They are giving me the run around and they are not verifying this unverifiable account. I have attached the letter I sent to both XXXX XXXX XXXX and the law office they sent the account to, SELIP & STYLIANOU , LLP. and they have not provided me with viable evidence.
XXXX/Navient Accepted promissory notes that were fraudulently filled out, one of which had the student name incorrect. They also applied payments in a manner to ensure that loans would enter into default, as well as " finding '' an additional payment in XX/XX/XXXX and back dating it to XX/XX/XXXX without any adjustment towards any interest or payments that the payment would impact regarding current debt.
XXXX XXXX 5 mile trip from home to hospital. Paid {$260.00} by XXXX XXXX   checking to ambulance co, XX/XX/XXXX, and then paid {$46.00} XX/XX/XXXX. 
Received letter from collection agency saying the ambulance co had agreed to accept {$310.00} as payment in full, if received by XX/XX/XXXX. Both checks were received and cashed by the ambulance co prior to XX/XX/XXXX. I have bank records, and copies of cancelled checks, and a copy of the letter stating the total balance is/ was {$310.00}. 
Please help Thank you for contacting us, we have checked with the original provider and they did receive a payment for {$46.00}, but the check for {$260.00} was not cashed. Thank you for the copy from your XXXX XXXX showing check for {$260.00} was sent, but we need to see proof that it was cashed. XXXX XXXX has indicated that the check was returned to you. It was returned because it read payment in full, but it was not the right payoff balance. XXXX XXXX has indicated that they agreed to accept {$310.00} as a courtesy after they received your {$46.00} payment on XX/XX/XXXX. Grant Mercantile extended the due date for the discounted amount of {$310.00} until XX/XX/XXXX. As a courtesy the due date will be extended until XX/XX/XXXX in a good faith attempt to help resolve this matter. If you have any further questions please call us directly at XXXX Monday through Friday and we will do our very best to help you. Thank you.
On XXXX XXXX, 2016, I received a letter of denial from XXXX XXXX, OH, credit card application department ( REF : XXXX ) and the reason was due to " unable to verify identity information '' The application was made on XXXX XXXX, 2016, online. I never applied for this credit card. 

Thank you. XXXX XXXX XXXX
I belong to a website that states my credit information and there are two separate hard inquiries on my account that do not belong to me. Someone is trying to steal my identity.
National Recoveries , INC. is the collection agency assigned to my defaulted Fed Student Loan accounts. My XX/XX/XXXX tax refund was offset to the amount of {$2000.00}. When I contacted National Recoveries, INC. on XX/XX/XXXX, they advised me to contact the " XXXX XXXX XXXX '' with the US Department of Education so that I could request a return of my tax refund. On that same day, XX/XX/XXXX, I requested a " hardship packet '' be sent to me because I am facing an eviction, have been served a " notice to vacate '' and according to their requirements stated to me over the phone, would unofficially pre-qualify to get my tax refund returned to me.

It is now XX/XX/XXXX  and I have yet to receive the hardship packet.

I was told that if I did not receive the hardship packet by today, the issue would be escalated but I have no proof or have received no correspondence that that has happened. I have eaten a minimal amount of food and have fallen further into financial trouble. The " XXXX XXXX XXXX '' is really a contracted company called XXXX, and each employee I spoke with over they phone misrepresented themselves as Department of Education employees. Those XXXX   employees are XXXX ( Employee ID : XXXX XXXX ), XXXX ( Employee ID : XXXX XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX   ) and XXXX ( XXXX XXXX  ). All of these employees also stated my current balance at greater than {$23000.00}, which is incorrect.

Also, the website ( myeddebt.ed.gov ), the " XXXX XXXX XXXX XXXX '' website, was offline until today. XX/XX/XXXX.

The XXXX XXXX XXXX also misinformed me about a contact email address. They stated that there was none however, an Official US Department of Education employee names XXXX XXXX, who is a business analyst with the call oversight team, provided me with an email address for them. It is XXXX.

I have made numerous requests, numerous phone calls and have wasted hours of my life trying to compromise with National Recoveries , Inc. and the department they referred me to on XX/XX/XXXX, the " XXXX XXXX XXXX '' or XXXX located at XXXX XXXX XXXX, XXXX, TX. They have intentionally drawn out this process and also, have not had a complaint official or any US Department of Education employee on their site. I asked to speak with one and they only provided me with XXXX  contracted employees.
Following the XXXX hack, TransUnion has concealed the option to freeze my account and placed it at the bottom of the web page. In addition, I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
XXXXXXXXXXXX said my score has to be above 580 with XXXX and 4 trades line my score is way above that with way more than 4 trades line decline my loan for no reason so if my attorney file a complaint they will have decline same credit tier remember XXXX was sued b/c of discrimination for 100 millions of dollar!!!!!!
XX/XX/XXXX I pulled my bureau report and found that Portfolio Recovery XXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$470.00}. I sent a request to PRA as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute. 

XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract. 

XX/XX/XXXX a 2nd request for validation of debt was sent to PRA requesting the enclosed Debt Collectors Disclosure Statement ( DCDS ) be completed and returned within 30 days, because PRA 's  XX/XX/XXXX response was insufficient to determine if XXXXRA had the authority to demand payment of a debt that had been charged off by the Original Creditor and if so how much did PRA pay for the account. 

XX/XX/XXXX response from PRA states that they have already answered the dispute and without returning a completed DCDS they state : Please be advised we have reviewed your dispute..... Our office considers this matter closed. 

This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX. 

XX/XX/XXXX a 3rd request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for. 

XX/XX/XXXX filed this complaint with CFPB
I use to have an American Express Card and then I was a victim of ID Theft and the card was removed. I have called to ask for a card to help my credit score. It has been very hard for me with my credit and my files have been on fraud alert since XXXX with IRS . I received a copy of my XXXX report to find out I have over XXXX inquiries from American Express.I called them and they said they do not have my email.
Beginning in XX/XX/XXXX I 've been disputing inaccurate information reporting from all3 credit bureaus regarding an account with XXXX XXXX XXXX XXXXXXXX. All 3 are  reporting a balance owed over XXXX. I disputed the information as being inaccurately reporting. I did this in XX/XX/XXXX and XX/XX/XXXX. All three bureaus reported the information was verified and reporting accurately. I then requested the account be validated by XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX validated the accounts on XX/XX/XXXX and XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXXXXXX provided me with a Explanation of Calculationof Surplus or Deficiency. After the sale of the vehicle it states the amount owed is XXXX. It also states in the correspondence that this information was supplied to all three credit bureas. I would like to have this account deleted from all 3 credit bureaus because they have willfully failed to report accurate and correct information. I requested several investigations and the amount is continued to be reporting in error. I have also provided the documentation I obtained when I requested validation after several failed investigations by the credit bureaus.
This is not mine when I called ERC XXXX enhanced recovery ) they had a different name on the account an Ohio address for whoevers account it is. They had me e-mail in a copy of my DL and a brief explanation and said it w/be taken off my credit report. I did, it was n't. So I called back a few months later the lady said she saw all the info/conversations that had taken place and did n't know why it was n't off my credit report. She had me send in everything I had previously sent in again. Here it is another couple of months it 's still on my credit report. They have admitted it should not be on there so why have n't they removed it? In fact, they reported it this month to a different agency.
Khol 's has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I have not been able to obtain a report from Equifax due to them being unable to verify me. I have obtained my report XXXX. They have incorrect information. They have a previous address as XXXX XXXX XXXX XXXX NJ XXXX. I have never lived at this address. They have employers as XXXX XXXX, Nevada XXXX, XXXX and I have never worked at either of these. I have worked for XXXX, XXXX XXXX, and XXXX. They have XXXX XXXX Bank reporting XXXX as BKXXXX duplicated and unknown status. These are incorrected and I have not had loans with them. The Bankruptcy from XX/XX/XXXX is to be removed. It has been over 7 years. Finally they have Collection accounts reporting that I am disputing them but have not removed them. XXXX XXXX XXXX {$540.00} & {$250.00}, and XXXX {$620.00}.
I 've tried contacting Experian time after time after time about an item reporting on my credit file and every time they send me a letter saying the item has been verified without sending me proof of how they verified this item. My letters that I sent over provided detailed dispute requesting that they validate this item and send me proof that it 's my account along with the proof they received proving this. If they used real people to process and read a letter that I sent I think its clear that this item has errors that show it 's not a valid item its listed that its a 156 month term with a {$300.00} payment on an {$8600.00} loan it does n't take a rocket scientist to know that the math does n't add up and either Experian isnt really verfiing the info and are allowing wrong info to be reported which is a violation of the FCRA or my request is just being ignored which is also a violation of the FCRA. They should n't be allowed to continuously ignore consumers request and provide only half the info requested without showing proof of what info I asked for.
The company use my work address to send the bill but I never received it! Bill got late 4 months Try to fix the problem with Capital One without success. Company reported delinquent account. The amount was {$3700.00}. I paid {$13000.00} to liquidate the bill. and they still reported negatively.
The debt collector ( ERC Enhance Recovery Company LLC based in XXXX ) using XXXX phone numbers XXXX has been calling my home phone on daily basis. 

My home number is registered with both XXXX no-call and National no-call list. The caller does n't leave any voice message regarding why " it '' has been calling? I called back to inform them that our phone is on the no-call list please stopping calling otherwise they will be reported. They were also informed that if they have any legitimate debt, please send the debt in a registered mail subject to further discussion and dispute resolution. So far, the scammers keeps calling my home phone without further stating its purpose. I would like them to be put on the Stand! 

XXXX
My bankruptcy was XXXX/XXXX/09. Should n't this now be off of my credit report?
Over the last months, I have always paid significantly above my minimum payment - what they call their interest saver so as not to be charged interest. However, in each month, I have been accessed interest over and above what my remaining balance was. 

As a result, {$200.00} and {$100.00} were charged in XXXX and XXXX respectively. This is counter to their communication to me of what needed to be paid to not have interest charges. I have tried to resolve by phone but the agent was of no help.
I have filed multiple disputes over the year to Experian that they have my bankruptcy listed incorrectly and they need to remove it. Every time they come back with the company that does the investigations for them says it is confirmed and it will be updated and stay on my report. However, they do n't do any updates and keep the same information. The whole problem is that they have me down as filing bankruptcy for {$0.00} when I filed for a lot more then nothing. I have sent them documents and still the same results. I am about to file a law suit if they do not take it off. The other two credit bureau 's have followed suite and removed it.