WillisBack/dataset-financial-user-claim huggingface dataset:
Sometime in XXXX of 2015 I was approved for a Capital One Secured credit card requiring a deposit due within 80 days ( XXXX/XXXX/2015 ). I contacted Capital One on XXXX and processed the payment for the deposit ( {$200.00} ) and was advised it would take approximately 2-3 weeks to received my card. After a couple of business days, I realized the funds had n't been deducted from my account and I proactively reach out to Capital One on XXXX to understand the delay. I was advised the payment was n't processed due to some error. I was asked if I wanted to reprocess the payment but I wanted to be sure it would still be considered on-time as it was past the 80 day timeframe. The representative assured me it would be and so I authorized the payment from a different checking account. The funds were deducted from my account on the XXXX. On XXXX, I called to ensure funds had been received and that my application is being processed. To my surprise I was told as payment was received on the XXXX, beyond the 80 day timeframe, my funds were going to be refunded to me and it would take 10 business days. I requested to speak to a supervisor, who reviewed the account and acknowledge the company error and provided me with XXXX options, 1. submit a new application ( another credit inquiry impacting my credit ) and hopefully funds would be applied towards that application or wait until approximately the XXXX to be refunded. Both unsatisfactory options. I explain again that it was company error to no resolution.
this number represents 2 accounts1. XXXX XXXX Bank2. XXXX CardThe information Equifax is reporting is the Date of XXXX Delinquency or Last activity as of XX/XX/XXXXXXXX accounts were opened in XX/XX/XXXXThey are not reporting the date opened. 
According to Fair Reporting Credit Act these accounts should be removed from my report as they are over 7 years old. Equifax told me on the phone they could not obtain the opened date information. 
If they can not show the correct information regarding my account. They should notbe showing anything.
I have disputed Regional Acceptance many times because they continue to report inaccurate information such as the balance and notating it as key derogatory every month which causes my credit score to go down. They continue to confirm and verify the information is reporting inaccurately however they have not responded to any of my direct disputes with them. I have been writing to them for almost a year and they have not responded once!!
I have XXXX XXXX Bank account ending in # XXXX appearing on my Equifax credit report. I 've disputed this account with them and it still remains even after the company states that the account does not belong to me. Please get this account removed ASAP. It has a huge negative impact on my credit report. Please find that I 've included the letter from XXXX XXXX that states that the account should be removed.
I have been speaking to  XXXX  in the fraud department at   XXXX   XXXX  . I have sent several documents. There is an account that was opened in   XXXX   that was identity theft. My last conversation with   XXXX   stated she needed utility bills or other bills to prove my address at the time of the fraud. On XX/XX/XXXX  I sent  in 3 bills, 2 water an d  one car insur ance bill. I received proof that it was received. I waited to hear back from   XXXX   and after 30 days she did not respond so I sent her a letter on XX/XX/XXXX that I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.
My credit information was compromised by Equifax they confirmed this through their website : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This was made public yesterday XX/XX/2017
I 've tried to contact ERC regarding a XXXX bill from XXXX XXXX. It was briefly removed through a challenge, but now it 's back. I 've had a XXXX phone since XXXX. I have emailed and called asking for proof that this is my account, but I have not heard back. This is my last resort. The collection is for {$350.00}, but I have not seen any documentation. I only have 10 days left on free credit monitoring from XXXX, after which I will have no way knowing if it 's still reporting. Thank you.
I was looking for information about rates for refinancing my new car to a lower rate, on XXXX XXXX. There is no written explanation of who they are giving information to to allow them to start hard inquiries on their own. I received two unsolicited hard inquiries from different companies, which has hurt my credit. One was a used car dealership, Wells Fargo. I was NOT looking for a loan for a car. I was looking to refinance. XXXX XXXX told me to call Wells Fargo Dealership services to have this removed. Wells Fargo told me to call XXXX XXXX  to have it removed. No help from either. I feel that this is unfair and unsolicited. What is the law, in that I could have, say, 20 hard inquiries to look for a refinance? Where does this end? I had to lock my credit report so that there would be no more hard inquiries. All I am asking is that they excuse a hard inquirry from my report. They will not help and were rude about it, and taking no responsibility for this at all.

XXXX XXXX will send your information to many different companies ( reputable or not ) and you will see multiple hard inquiries when you didn't even ask for a loan. Just was seeing what is out there in regards to refinancing.
I'v been a happy customer of pnc bank for almost a year now but was very dissapointed when I signed up for a service to email me when my account was overdrawn and it did not do this service, resulting in several overdraft fee 's. I calmly called pnc and told them that I recived a email about me overdrafting after I was already charged. They do give you 24 hours to account for the negative transactions, but because I rely on these services that were offered to me I was unaware that I was in the negative. The man apologized and offered to rid the extra charges given to me. But he also told me that I needed to put money into my account to account for pending transactions on my card. I told him that would n't be a problem and that I was in a rush to work and that I would deposit the money into my account when I got off. He said I 'd be fine and asked if there were anything else he could help me with I told him no and to have a nice day. I got off work and put the {$40.00} into my account which was enough ro cover my negative account and my pending transactions around XXXX. The next day I was charged for the pending transactions and more overdraft fee 's. I did n't know what to do at this point, so I call pnc bank again and ask what was going on with my account and was told I did n't put my money into my account before XXXX. Now I understand there are rules which is not a problem with me but the fact that I was not specifically told that I needed my money in before XXXX. I tried to fix my problem by putting the money into my account. I called and talked to several people about it and they all told me they could n't do anything for me. I 'm just upset that there was an opportunity for the employee to tell me the deadline was XXXX and he did n't tell me. Thought the several calls I had made there were different information given to me by each on and nothing seemed clear to me. Pnc never put me in the right direction in order to fix my account and when I had asked them for help there was nothing they could do for me. I feel this was very poor service and the last two pnc worker 's were rude with me. I genuinely tried to fix my problem and was told I was wrong and nothing could be done for me. And because of the lack of training in this guy who miss informed me and told me I would 've been fine depositing after work, I was charged {$200.00} in overdraft fee 's. I would 've avoided this whole situation if I was given one piece of information. I almost missed my family reunion because of these charges to my account. Everyone I talked to seemed to not care at all and for that I will be leaving pnc.
For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX I was never late I send XXXX several letter about the issues no answer
I mailed them a letter asking for legal validation of this debt on XXXX/XXXX/15. They have not responded to me.
My last complaint involved monies owed to me by Bank of America. They responded that the reason I did not get the money was, " The notary made a mistake on the paperwork. '' However, they never notified me about the mistake and the notary was Bank of America 's assigned notary. It was not our mistake, it was theirs because they used their own notary who they sent to my home. What is strange is the fact that we got a letter confirming all was good and since then we have been paying our mortgage with no referral to the mistake Now they are sending me boxes of paperwork. It is about time that  BOA  pay for their mistakes.
The University XXXX XXXX attempted to take tuition payments directly from me after I withdrew instead of deducting the payments directly from the students ' loans. I withdrew because the quality of education I received from the University XXXX XXXX was extremely poor, the instructors would not help me and the courses I took at the school are pointless as my former and current employer will not accept them because the school is not accredited and the degreecourses are not accepted in advancement of careers. What the University XXXX XXXX is doing is illegal! You can not send student loan money in the form of a loan directly back to the lender and go after the borrower for collection. The University XXXX XXXX broke the lenderborrower contract without the student even knowing.I would the XXXX to remove the student loan information from my credit reports and cease collection of the XXXX in student loan payments for these courses that I can not even use to advance my career
I am a XXXX year old who thought it would be great to get a college degree. I enrolled at XXXX University in XXXX, NC XX/XX/XXXX. I guess I was XXXX at the time and started a XXXX Degree in XXXX XXXX XXXX. To date, I do n't know why. When I realized how difficult and long the process would be I switched to an XXXX in XXXX program. Throughout the whole process ( which moves very quickly ) I was charged for electronic books and other tools that I did n't order. I was buying used books on my own. I never realized what the entire expense would be and when I began to receive notifications, I decided to resign. I came away just feeling ill-advised and victimized. I started with a {$10000.00}. balance and after paying on it for three years, I still owe {$9500.00}. The interest alone from XX/XX/XXXX to XX/XX/XXXX was over {$3300.00}. 
I am at a loss as to what to do about it because I want to stop working and retire, but I do n't want to ruin our credit. Is there hope for me? I just feel I should have received better counseling and advise from the College and I really resent having this responsibility. 
I know I must stand up for my decisions but I just feel I was bamboozled. 
Very sincerely,
XXXX several occasion I have contacted TransUnion LLC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. TransUnion is reporting XXXX XXXX XXXX credit cards, XXXX XXXX bank XXXX credit card, XXXX XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although TransUnion fail to provide me with require information that these allege debt are 100 percent accurate, TransUnion still reports these negative information on my credit report. I have receive letters from XXXX Bank XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that TransUnion is stating that allege debt has been verified. TransUnion needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. TransUnion is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. TransUnion never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. TransUnion is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now TransUnion continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on m y credit report.
Finally had enough : I used this company ( who claims to be a dealer ) to obtain a vehicle and was subjected to a mostly one sided agreement based over a 5 minute presentation by a " Sales Person ''. However, at the initial phone call I was told ; " We do n't care about your credit, we care about affordability ''. WE CAN GET YOU IN A VEHICLE. 

The Hook is baited : Well, the story was different when I was in the chair in front of the rep. They do base loans on credit scores and the consumer does not get to choose a vehicle. Vehicles are high mileage and VERY USED. For a vehicle barely worth XXXX XXXX bucks, a " Customer '' will end up paying a loan of XXXX based on desperation for a vehicle. XXXX XXXX actively seeks customers out. This meets the very definition of predatory lending as the contractual agreements are one sided, beneficial to the company, and restraining to the consumer. 

The XXXX rush : Part of the CLOSING AGREEMENTS is " allowance '' of a GPS Tracking Device. Consumer signs an agreement, but, I would like to know what information is collected, where it is stored, and if the device is running always.This would constitute a loss of personal privacy placed aside for the necessity to track the vehicle if payments were not made. At the moment of this complaint I can not tell the CFPB if my vehicle is being actively tracked while it is parked. 

The 22 point inspection : At the time of initial sales hook presentation I was told that my vehicle would have a 22 point inspection. However, on the very day XXXX took the vehicle, I discovered the passenger headlight did not function AT ALL and it was too late to return it. I had to avoid working since I could have been stopped and issued a ticket. So, if a company tells me they check the vehicle for safety should n't that include the headlights? I have trouble with any inspection that missed something as basic as lighting. 

Invading my personal space : Next issue is " Courtesy Reminders '', EMAIL, and Text Messages : Today the payment is due. This company wastes no time calling me at XXXX XXXX. I return the call as I am confused. Why is this company calling me at XXXX XXXX for a payment that is due today. Are we at the close of business? Is my account delinquent? or, is this company badgering me to make my payment. Just for the CFPB government record, I have made a verbal demand to have NO CONTACT WITH THIS COMPANY UNLESS I INITIATE IT. No email, no texts, no calls. I want NOTHING TO DO WITH THIS COMPANY OUTSIDE OF COMPLETING THE PAYMENTS AND MOVING ON. Now this demand is written. Cease and desist. 

Rest assured, I will be diligent with FEDERAL COMPLAINTS, Federal Trade Commission Complaints, BBB Complaints, and Attorney General Complaints for any violations of my privacy, right to thrive, and any issues with harassment. I see this company as a predatory lender and I will watch closely.
wells fargo is the heridator, assignee, heir of banks I held certificates of deposit and othere accounts. they refuse to honor payment of certified checks and/or certificates of deposit held by the prior institutions. they do not respond to questions, rather than to say it is n't their problem because records do not have to be maintained. in the meantime I am out XXXX figures originally set aside in cd 's for the higher education of my children. as well as a XXXX figure certified check they cashed remanding the money to someone I have no contact with.
I believe my ex wife is not reporting my address/phone number to the pediatric doctor 's office our children go to. About two years ago, I discovered 3 charge off for medical bills from XXXX in XXXX, XXXX. The collection agency 's name is Consolidated Recovery Systems which also is in XXXX. After reviewing my report, I contacted XXXX and advised them I did not receive a phone call nor any bills from them. The call taker advised my ex-wife had told them she did not have any contact information on me in which she does. I also did not receive any phone call or written notification from consolidated recovery regarding the charge offs. Now I have the same problem again where I just pulled my credit report and found a {$91.00} charge off from XXXX from XX/XX/XXXX and it was updated on my credit report by consolidated recovery on XX/XX/XXXX. My ex-wife has my address and phone number and when I last spoke to XXXX, my number was the same as it is today. I relocated to XXXX, XXXX in XX/XX/XXXX and I have not received a phone call nor a letter from XXXX or consolidated recovery regarding this adverse account. Please help because I do n't understand how I 'm constantly receiving charge offs without notification and it 's damaging my credit. Had I not pulled my credit, I would n't have known about the charge off. It seems to me, there are no thorough attempts to contact consumers from consolidated recovery before they report charge offs. With technology today, It is not hard to locate anyone so I do n't understand why I 'm not being contacted. Whether my ex-wife is intentionally not reporting my address ( responsible party ) or the pediatric office fails to make attempts, I would expect consolidated recovery systems to do their due diligence before placing a charge offs on my report.
Equifax collected my personal, private information, and then lost that information in a security breach due to outdated cyber-security measures. Furthermore, it took them over a month to make a public announcement about this security breach. I found out that my information was divulged through the security website set up by Equifax. They did not notify me personally. According to Equifax, the information might include my name, address, social security number, birth date, and driver 's license number. 

I and 143 million Americans are now an easy target for identity theft for the rest of our lives because Equifax collected our information and lost it due to negligence. We will have to use credit monitoring services, fraud alerts, and request frequent credit reports to ensure that our identity is not stolen.
The interest rates we are charged are shark loan types. Our highest interest rate is 14 %. The lowest is 8 %. Our original loans were XXXX and now we are up to almost {$200000.00}. We can't consolidate because my daughter didn't graduate. We did find someone to consolidate but our debt to income level was disproportionate. I am nearly XXXX and XXXX in debt is insurmountable. I will pay it. I would just like the interest rate to stop. Haven't I incurred enough interest? Additionally ... I lost my job in 2011. The student loans were too much and I filed for bankruptcy. Somewhere along the way they didn't include one of the loans. I wasn't aware and now we are in default. They want immediate payment. I don't have enough to come up with the amount they want. I would like to just refinance all of it and pay it all if I could. I am not trying to get out of it. Just make it reasonable.
In XXXX I had a legal issue with WELLS FARGO BANK -- - Long ago it has been adjudicated in XXXX. CASE CLOSED! Yet they keep negative reporting on me. Please cease and desist. Matter is over and done,
I submitted applications to this company to get a private student loan. I was denied and called back to sibmit reconsideration and my first reconsideration was not even looked at. When I called for a second reconsideration, I was informed this first reconsideration was not even considered because of an error in the information they received. My second reconsideration resulted in denial due to errors in my credit report that I have recently filed complaints with the XXXX credit bureaus to correct the errors. Also, I admit to having some debts but I became ill and lost my job 2 years ago. It took me a year to learn to XXXX again and to get to where I am today. I still have some lasting XXXX from the XXXX I suffered. I have offered documentation to everything I have said and the company has never asked for any. My co-signer also has amazing credit and a lot of land he could borrow against to pay the company back of needed. XXXX of XXXX things are happening, either the multiple people I have talked to have not put this information in the reconsiderations or I am being discriminated against because I was ill, lost my job, lost my ability to XXXX and XXXX. I feel like it is discrimination but I will let the company answer.
Several calls have been made for a few months asking for a person who I do not know. The first call I stated the wrong number had been dialed. Since then several more calls have come through almost a week to 2 weeks apart. I have stated DO not call this number again as that person is not at this number. 2 of the calls the reps where argumentative and hung up on me stating they would not call again and my number had been removed. I expressed it was illegal. Today XX/XX/18 another call came in. I asked the same of the rep to remove this number and then I called back to speak with a supervisor. I asked that the calls that where pre-recorded for my number be reviewed. This is ridicules. This company is not following the law and are harassing me and I am not even a customer so I can imagine if I was.
To : XXXX, Equifax, XXXX. 
Re : Incoreect Personal Information. 

XX/XX/2018 I am writing to dispute the following information in my file. I have annotated incorrect information with arrow in the attached complaint, as the items that I am disputing on the attached copy of the report I received. 
My name, is not, nor ever has been XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX, and I have NEVER gone by the alias. Enclosed is a copy of my current drivers license, for accurate name identification. Additional my primary place of residence has never been associated with XXXX XXXX  for over 5 years that I have owned the house. I am disputing the address XXXX XXXX XXXX listed as a large drop off address it is a large commercial shopping center complex with XXXX and XXXX, and I am not associated it the address. 
Please investigate investigate the inaccuracies, and delete the above disputed items as soon as possible. Please also send a corrected credit report to me.
Ive sent letters to this company about my family unforeseen burden I have submitted supporting documents still awaiting a response
I have sent, resent, faxed and faxed again the same paperwork over and over again, only to hear that my property is in foreclosure. Im very very upset by this. XXXX dragged this process ffor over a year then sold to another bank to do the same thing