WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted by my Capital One/XXXX credit card collections department on or about XX/XX/18 about my credit report saying my account was closed but my account online saying it was open. I was made to believe that my account was only closed until my balance was below my credit line, then I would be reopened. On XX/XX/18 I checked my credit report again and it still said the account was closed even though I now had available credit according to my online account. I submitted a dispute with XXXX on XX/XX/18. On XX/XX/18 I got the results saying it was closed with a freeze on file updating. I contacted Capital One/XXXX  on XX/XX/18 inquiring about why it was being reported as closed now that I had available credit and explained what their collection department had led me to believe. They stated that they the collections department may not have had access to all the account information. I asked if they routinely made deceptive claims in order to get customers to pay. The only thing she kept referencing was the cardholder agreement saying that was all that mattered and not what/how a debt collector tried to collect the debt. I am wanting a copy of the audio call in which I agreed to make a payment, and of what the debt collector told me about my account. I know the call was recorded as they made me aware that the call was being recorded.
On XX/XX/2018, I filed a dispute with Experian concerning a collections account from XXXX XXXX XXXX ACCT XXXX. The company did not look into the collection and update as necessary. I have informed them during the dispute that I have received a letter from XXXX XXXX XXXX, on behalf of XXXX XXXX. I have provided them with a letter indicating the new collection agency. Experian has not done an investigation into the account, as I have received the results Tuesday morning, which shows that the problem has not been fixed.
On XX/XX/XXXX I lost my job, I immediately call XXXX XXXX to notify them I lost my job and was unable to make any payments at that time. Mind you every call is recorded for quality assurance - which I doubt. I've never missed a payment with them since consolidating my loans years ago. Since calling to tell them I have not been helped once. I've received calls periodically informing me I'm late on my payments, AGAIN with those same calls they make to me I've told them I lost my job in XX/XX/XXXXand have discussed this with several of their callers. One caller informed me to get online and fill out the deferment portion and submit it. I did that in XX/XX/XXXX/XX/XX/XXXX. I kept getting phone calls since and AGAIN explained my situation to them and yet nobody was knowledgeable to help me or would till the week of XX/XX/XXXX when XXXX ( employee id - XXXX ) called and AGAIN I explained to her my situation and her response was she couldn't believe nobody has helped me yet. She verbally told me she would be sending the deferment papers by mail this time along with a quality complaint form. I received a quality complaint form and immediately filled it out and mailed it back in. I also saved a copy for myself. I have not yet to receive the deferment papers in the mail yet. HOWEVER I have received a threatening letter from XXXX XXXX detailing me of my delinquency and is in danger of default, that was marked XX/XX/XXXX. Their claiming I'm {$1100.00} past due, and {$950.00} past due. I wouldn't be past due if they would of done their part back in XX/XX/XXXX when I phoned them immediately and explained my situation. I received a call from XXXX ( employ id XXXX ) the week of XX/XX/XXXX asking me about if I can pay the full amount. AGAIN I explained to him what I have been explaining to every other caller since XX/XX/XXXX, and just the week before to XXXX who told me she was not only sending deferment papers by mail to me but she's noting my account. XXXX was unaware of any of that. On their delinquency letter they have informed me that all credit bureaus are aware of my pass due. Again, no deferment papers have been received to my address XXXX XXXX XXXX, XXXX, MI XXXX. BUT they keep sending me bills, threats, and delinquency notices to that same address.
Dear Sir/Madam, Please consider my English is not good, before start. I was a client of Bank of America for the past about three years. I 've been In XXXX since XX/XX/XXXX, and I am not going to return to the US. So, I called XX/XX/XXXX, to close my account ( XXXX ), and XXXX? told me that she would send a check of my money in the account {$21000.00}. However, I have not received a check, and I called and talked with XXXX? XX/XX/XXXX. I called and talked with XXXX? on XX/XX/XXXX. I finally received a check, however, I could not cash the check because it was not passed through the customs of XXXX. So, I talked on XX/XX/XXXX with XXXX?. I asked the check should be sent via XXXX or XXXX which should be marked on the envelope enclosing a check to pass the customs. XXXX accept my asking that she would handle that should be sent via XXXX. To confirm the process, the call was transferred to a XXXX translator of the XXXX?, she was so rude. She refused to send the check via XXXX and hung up my call. I had to call again and talked with a manager, XXXX, she confirmed to send it via XXXX, and she said that the case would be closed with the numbere XXXX. I also got a mail saying the case was closed with the number. Unfortunately, I have not yet received the check via XXXX. It may not a big money to the company, but it is a big money to me now. Whenever I call to BOA customer 's service, It is very hard to talk with because my account has already been closed. So, whenever the automatic calling system asks my account number it is not working with my old closed account number. Please review my case and handle the case as soon as possible.
I have duplicate XXXX XXXX accounts reporting on my XXXX and experian reports, these have been deleted by XXXX XXXX with XXXX per XXXX XXXX request but are still showing on other 2 credit reporting agencies, please delete. I am.no longer liable for these accounts and do not have a contract with XXXX XXXX, attached deleted records and you will see the XXXX XXXX account numbers also. XXXX XXXX account numbers are attached also. Please delete asap
Statement date XXXX/XXXX/2015 and the latest correspondence from Wells Fargo Home Mortgage. In depositing funds into and for my monthly mortgage for XXXX 2015 of {$300.00} and unapplied funds of {$540.00}, which sat in my account since XXXX XXXX, 2015. I asked the teller at the Wells Fargo route XXXX branch in XXXX, NC to total and add the deposit which totaled {$840.00} to my current XXXX monthly mortgage. She and XXXX of the bank supervisors looked over the account, saw that the unapplied funds were there and specifically asked " how would you like you 're deposit and unapplied funds applied ''?. To which I replied to my current XXXX monthly payment. In the latest statement dated XXXX/XXXX/2015, I see that my request was not honored and that when Wells Fargo received these funds, they applied {$170.00} to principal, $ {$420.00} to principal and {$220.00} to escrow. While the statement states Unapplied XXXX / Unapplied {$300.00}. I write this in frustration and awe as to the tactics Wells Fargo Home Mortgage displays on a daily basis when it comes to my account, as if this is a game to them. I hereby request a Forensic Audit on my account to clarify how the deposits that I have made, have been applied to my account. It is troubling to say the least that Wells Fargo continues to taunt customers into believing they can not understand exactly what is taking place. Especially when it comes to understanding ones account. I currently posses all of the deposit slips I have made and personally walk into the bank, speak and know bank managers personally when making my deposits and I do this for this very reason. Not to just exchange pleasantries, but to also make certain that all my deposits are accounted for.
I opened the account in   XXXX   XXXX    2015 with the promise of a promotional deal to deposit {$20.00} and receive {$20.00} . I confirmed that the account had {$40.00} soon after. I did not use the account as there were fees to check balances, withdraw cash and other assorted fees. I let the account sit for a long time unused. I received a new debit card in the mail recently and thought it was an updated card. I activated the card and noticed a   XXXX  balance. I called the company on   XXXX   to dispute the balance. They informed me that this wa s not the same account. I asked about the old account and they informed me that it was also at a   XXXX  balance. When I inquired as to why, they informed me that because the account had sat unused  for more than 90 days, there was a {$5.00} account maintenance fee that was charged every month. When I asked why I was not contacted prior to this starting, they informed me that it was " on the box for the card ''. I have no idea what that means. I assume they are implying that it was on the terms of service agreement. In any case, I asked to speak to a supervisor and was told the same thing. I was not contacted once about this monthly maintenance fee nor about the requirement that the account must be used every 90 days.
PayPal updated their system unfairly and deceptively, without warning or advanced notice, that resulted in their system attempting to transfer funds from my checking account to pay for a PayPal purchase which was intended to be ran through my PayPal Line of Credit. PayPal, over the course of 3 weeks, has attempted to withdraw funds ( XXXX ) separate occasions. I only authorized one transaction which I expected to be my line of credit since I *RARELY* use PayPal for cash purposes. I can not recall the last time I used it for cash purchases. As a result, I have been charged {$89.00} in returned check fees from my bank due to multiple unauthorized transactions to my XXXX acct. My intent was NOT to use PayPal for transferring cash money, but rather utilize the PayPal Line of Credit.
Dear Sir, I have closed my individual XXXX credit card on XX/XX/2018 by paying off complete balance amount to XXXX. My closed Individual credit card information is missing in the Equifax credit report since XX/XX/2018. I have communicated to Equifax about this card, right name and address along with various details. I have also communicated to XXXX Credit Card Company to update the right status of closed credit card to all credit bureaus and also Information/Grievance is part of the CFPB records. XXXX has responded to me and CFPB that XXXX credit has been paid and closed with XXXX balance on XX/XX/2018 and also XXXX has communicated to all the credit bureau that my credit card is closed on XX/XX/2018 but this information is missing in the Equifax Credit Report. I have only used XXXX credit card for my purchases [ all my transactions are part of the statements ] and used as normal credit card and I never ever used any kind of benefits from XXXX. 
Could CFPB kindly direct Equifax/XXXX to update my closed XXXX  credit card details in my credit report, which has been missing since XXXX. My closed individual XXXX credit should be part of the records for next 7 years.Its unlawful and fraud for removing my closed credit card details from my credit report.
I disputed XXXX XXXX from my TransUnion credit report I believe XX/XX/2015 and the item was deleted. I am now checking my report report from XXXX XXXX and this creditor is reporting back on TransUnion once again.
On XX/XX/XXXX I submitted a letter to Equifax to investigate the list of inquiries that are currently listed on my credit report. I have received a letter from Equifax dated for XX/XX/XXXX explaining that the list of credit inquiries " are not currently reporting on the credit file ''.

I waited the toward the end of the month to pull an updated credit report from one of the monitoring provider I currently pay for. I pulled my Equifax report and there was no change to my file. The same list of credit inquiries are still being reported on my file.
I have sent written letter to equifax regarding unauthorized inquiries be investigated. However, I have not received a reply into the investigation.
There was a mortgage on my father 's home and he passed away in XX/XX/XXXX.The probate administrator handling the estate has been very hostile and not very transparent with the heirs.The heirs only learned recently that we had the option to take over the payments .What Garn means : XXXX XXXX XXXX  Guide 408 recognizes this legal reality, calling for non- qualified assumptions for widows, heirs, divorcees. 
The heirs were never given a chance to negotiate for the home, the few times we talked to Seterus, they wont speak to us unless we had an attorney, why.We are the heirs and want to keep the home.I filled out an loss mitigation package and send it to the XXXX XXXX  XXXX XXXX back in XX/XX/XXXX, and to this date never received any other info.We have rights and this lender wants to take our home without giving us the option to negotiate for it.We are not responsible for the negligence caused by the court appointed administrator and only want to talk to seriously keep the home.
XXXX XXXX Did 2 Hard inquires on my account, on the dates XX/XX/XXXX and XX/XX/XXXX I did not authorize as I do not even know what XXXX XXXX  is. XXXX used a hard inquiry on me in XX/XX/XXXX for XXXX credit before I even began using credit Or attempting to on the dates XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX
On   X/X/ 2017 I  want to continue to move forward with clearing up my debt.      Midland Debt collection Agency, has no t provided me with adequate information regarding this debt but I presumed it could be true being that  My  then company was financially damage from the government fourloughs which trickled down to many of their employees including myself and lasted a long while.     After being transferred I reach a desk of a man who proclaims he is my account manager, and that this debt is mine, even after me requesting that he send information regarding this allegation for this particular account, he refused. Then began to use tactics to force me to pay right on that day a lump sum of around {$830.00} or high payment plan option. After attempting to negotiate I asked him to note the account and I wanted to speak to someone else, he would not allow me to. He proceeded to threaten me with this  First  before any of that happened, okay you were transferred and it shows here this amount for this debt and you 're in pre legal status and that even if I agreed to payments that The creditor may still sue me and I would have to pay all the court fees for a debt that 's only worth {$1000.00}. I did some rights digging and requesting a free annual credit report.     I am sending a letter to Midland requesting validation and of options, by   XXXX  2017.     I feel bullied, Pressured and optionless. The verbally abusive representative name is  XXXX   XXXX , so he says and the lady who transferred me to him name is  XXXX .
I received a bill for medical services by XXXX XXXX rendered on XX/XX/XXXX a couple of months ago. I spoke with XXXX XXXX several times to have the remaining balance after insurance paid using my HSA card. On the third attempt with XXXX XXXX they were able to process a payment using my HSA card. 

I received the most recent bill dated XX/XX/XXXX which doesn't show the HSA card payment, but shows a balance of {$110.00}. It also says " Please contact our office within 10 business days to avoid possible collection action/and or ... '' 10 business days from XX/XX/XXXX would be XX/XX/XXXX. This bill was received on XX/XX/XXXX. Last week I sent in using the remittance stub and enclosed envelope a payment of {$50.00} which as of today has not been debited from my bank account. I intend to pay the {$66.00} remaining balance when I am paid again on XX/XX/XXXX. 

Yesterday, I received a collection notice from United Consumers , Inc. dated XX/XX/XXXX which is less than the 10 business days the XXXX XXXX statement mentions possible collection action. Further it shows a balance of {$110.00} and {$12.00} dated XX/XX/XXXX from XXXX XXXX. These amounts do not align with the statement from XXXX XXXX XXXX dated just 7 days prior. Lastly, in the United Consumers , Inc. letter it shows two charges from XXXX XXXX  dated XX/XX/XXXX for {$2.00} and {$37.00} ( 48 days ago ) which I have not even received a bill by XXXX XXXX XXXX. 

XXXX College of Virginia ( XXXX ) is a division of XXXX XXXX University and was changed to XXXX XXXX several years ago to reflect it is one institution.
My identity thief has managed to open a credit card account with  XXXX . The balance is {$460.00}.     I do n't shop at  XXXX  and have never had a transaction with this company. The debt is showing over 90 days due. So the fraudulent charges must have been made in early  2017 . My credit should have been frozen by  XXXX , but that seems to not have been effective.     I do n't owe this debt, and my  credit score ha s been damaged because the account is delinquent.
I have an illegally obtained judgment from XXXX on my Experian credit report. I have disputed this multiple times with no success. XXXX has reached a settlement based on these judgements and is no longer allowed to pursue them. The law firm XXXX who obtained the judgement for XXXX no longer exists and stated the account is closed. This judgement is removed from my Equifax and Transunion Credit reports. Despite this judgment I have submitted documents from XXXX including the agreement with the government, and have recieved a mortgage in the amount of {$800000.00} to purchase my current home. This has gone on long enough and I really need help to rectify this situation. This illegally obtained judgment is seriously impacting my financial well being.
I attended XXXX XXXX XXXX in 2005 to study the XXXX program and I have been over charged for this program they charge my student loan triple the amount for this course. I have been trying to pay for this loan for the past 10 years.
Some addresses listed on credit report belong to another family member with the same last name I believe you have me confused with another family member
I didn't approve these inquires : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  I Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance   XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance   XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX   Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance   XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Finance I filed a identity theft a few months back but have not been successful with contacting these people to get them removed and some of the inquires are doubled so they should of known something wasn't right.
LVNV Funding LLC, has resold the same debt that I 've issued complaints to CFPB previously regarding. LVNV is not being represented by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. LVNV funding, nor XXXX has ever provided verification of originating debt. No signature cards have been provided and XXXX, LVNV funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate LVNV Funding and XXXX for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. LVNV funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. LVNV needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.
Once again, being like 2016, equifax is not allowing disputes to be filed on line and just like in 2016, Equifax is being and engaging in obstructive means to frustrate the consumer attempts to correct all the incorrect information on the equifax credit report. Many of the incorrect items removed in 2016 are once again showing up just like they did in XXXX 2016.
I took a loan from avant it has a problem on the start i told them to take automatic payment on my savings and they took it out on my savings they told me to call the bank but its not fix so i just decided to fix it by just paying the fee so it will be no problem since nobody claims the mistake. After that i pay it myself i cancel the automatic payment. So i paid XX/XX/XXXX no problem and i paid XXXX in XXXX no problem and by the end of XXXX i made another payment for XXXX. After that i kept on getting email that my XXXX payment is due and i called Avant to fix it because i made a payment already and they told me just ignore it and a week i received another email that XXXX payment is due i called Avant again and they told me ignore it because i made they payment already and i told them make a note because i dont want to get charged by a late fee. Now it happens they charging me {$38.00} something for a fee that i dont know anything about it and even though them they cant figure it out. This is not fair and this look an overcharged on what they doing and its not fair. For 3 months no late fees and now they will charged me. I spoke to Supervisor name XXXX she dont even know anything about it. I hope that those people that have account with them to check their account before making a payment. {$38.00} is alot of money and they will get it for just like that. Please help me on this matter. Thank you
I have no recollection of any medical bills unpaid by me, I have not been to a doctor in over 2 years. I have not received XXXX phone call, letter, or email. I think this is a scam.
Equifax improperly protected my credit information from unauthorized users. The solution they are offering is 90 days of credit monitoring which is preposterous as this information is in the hands of hackers and thieves and can be used at any time during or even after my life time. This is incredibly frightening to me. When a company values protection and privacy this little they have to be made to protect they people that are effected.
XX/XX/XXXX, I took out an online loan with Onward Credit. The line of credit was {$550.00}, as I paid the loan off, I was given an increase limit as of XX/XX/XXXX to {$1100.00}. I did take out the advances however on more than one occasion I had asked to close the account to avoid paying enormous fees. The interest rate is at 359.1 % and the average amount taken out of my bank account is about {$250.00} every 3 weeks. I have paid onward credit over {$1500.00} and still have a remaining balance of {$420.00}. There seems like that there is no relief insight.