WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One Bank is fraudulently reporting on my credit report for the amount of {$0.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance?

* Did they even fund the account or did you?

* Did you take tax credits?

* Are you the creditor or really just the servicer?

* Did you disclose that you were charging me for the insurance premium to protect against asset loss?

* Did you get your approval in writing agreeing to the amount of the premium as require by law?

* Did you get the insurance payoff prior to charging off the account?

* Is the contract creating the account even valid since they lacked full disclosure and equal risk?

* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature?

* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Experian has fail me twice in erasing wrong personal information from my credit report, and they have the audacity to send disputed results as old information deleted.
On XX/XX/XXXX I was given a call by Oracle Financial Group LLC by XXXX XXXX who had threatened me with legal action if I did not pay them money. They told me also my credit would be damaged dramatically if I did not pay. I did end up giving some card information for my payments and was cooperative, however, XXXX did not send me any paperwork or taken action to sue me, which she said they were going to. They used scare tactics in order to have me give them my card information and only from a debit card or credit card.
I came to an agreement with the collection company on settling my debt. After receiving an offer letter and fully paid letter from the collection company, I still have not received any communication from the original debtor, which in this case is XXXX. It has been over 2 months since the debt was " settled ''.
I received another call today from F.H. Cann after having submitted a previous complaint against them. They were supposed to have put my phone number on a do not call list, yet I am still receiving calls from them. I do not owe any money and only started receiving these calls from debt collection agencies when I got my new cell phone ( XXXX XXXX ).
This is a company that seems to be meeting all of the above criteria but I marked sued me without properly notifying me of a lawsuit because that seems to be where the trouble with them began. 13 years ago ( approximately ) this company said I owed them money. I began making payments and then asked for verification of the debt. They did not respond so I quit paying and again asked for verification. They then obtained a judgment against me and I only found out later because it showed up on my credit report. They never notified me of a court date. I attempted for 10 years to fight this on my report and the requests from the credit agencies went unanswered. The judgment was obtained in XX/XX/XXXX and expired 10 years later, making it XXXX. It came off my credit report XX/XX/XXXX. During that time I never heard anything from them. I then received a notification that this company has requested a court hearing for XX/XX/XXXX so they can obtain information from XXXX! I looked this information up and the Washington Courts shows they have been to court in XX/XX/XXXX as well for this same thing, having again NEVER notified me! At this point I am figuring they are attempting to seize property or wages for an original debt that was in violation of the FDCTA, then a judgment which was done without legally notifying me, and now they are trying to gain information on an expired ( supposed ) judgment which expired over a year ago and was not re-instated within their legal 90 period! This has been one illegal action after another with the company never responding to my original verification request. They are now and have been apparently since XX/XX/XXXX being sneaky and at this point harassing me by requesting information on an expired judgment. Their court request is in XXXX County, which is 2.5 hours away. This means in order for me to fight this I am either going to have to respond in writing or take an entire day to make the trip out there to fight this in court. All of this for again, an expired illegally obtained judgment which they should not be able to request any information about me. I now have to miss work, spend time and money on the commute, and spend time fighting this.
There is a  XXXX  discharged bankruptcy on my credit report that is not mine. I have never filed for bankruptcy. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  to address this issue. The case number is :  XXXX .
We purchased our home inXX/XX/XXXX. Our mortgage was with XXXX XXXX XXXX but, it was sold to Select Portfolio Servicing. Due to the housing crash inXX/XX/XXXX as well as a poor economy we have struggled with the mortgage payments since the beginning. We own our own business. Shortly after Select Portfolio Servicing purchased the mortgage from XX/XX/XXXX we tried a modification. The process was a complete disaster. After 6 months of sending the same information to Select Portfolio ( ex : I would send what was requested, I would be told they had everything for their underwriting dept, I would check back a week later only to find out something else was needed. After 90 days I had to send a new packet and the process started all over again ) we finally gave up on the first modification and have tried to keep up with the payments. Unfortunately, we were not able to make our payment inXX/XX/XXXX. We have missed 3 payments ( we were able to make a payment last month - I was told this would keep us out of foreclosure status ).

The second loan modification was started XX/XX/XXXX. I contact SPS about every 10 to 14 days and every time I contact them there is " something else needed ''. I verify with the representative that what is needed is all that is needed and their response is " yes ''. The last time I called I was told the bank statements I sent over at their previous request did not have the deposits circled and they could not tell what deposit to look at. These bank statements had 1 deposit on each of them! and this was the deposit information they were needing. When this modification was started I was told by SPS that they had improved their modification process and had been very successful at helping their clients.

We were provided with a direct contact for each modification. It was the same woman. I don't believe she exists. We have never spoken to her. She is never there. The last time I called I asked to speak to someone in underwriting and I was told that the underwriting department does not have telephones. I was not allowed to speak to anyone in underwriting. We don't have a loan officer to speak with. Every time we call we get someone in a call center.

We have requested a modification. If this is not possible then, allowing us to put some of the mortgage payments we are behind on at the back end of the loan could be an option.

I don't believe SPS has any intention or providing a modification or a payment arrangement for us. We understand we are at their mercy. What I don't like is their misrepresentation of the modification process and how we are being treated.

We have tried selling our home in order to get out of the mortgage debt but have had no luck. Our home has been up for sale and is currently up for sale in the hopes that we can sell it before we are foreclosed on. We do want to keep our home however, if we can sell it and payoff the mortgage then both SPS and us are successful.
CTI is using unethical practices in collection for the US Dept of Edcuation. I have sent several rehab payment agreements for my student loan. Every other three or four months I 'm being called to state that they never got my paperwork and that I put myself on a payment program when I have faxed several times over all the requested information from this office. As of XXXX/XXXX/15 I was told that they never received my paperwork and now being told I have to pay more than what was agreed upon. They are the worse at this and I ca n't believe that the federal government has allowed this agency to use and collect for them.
I have a unverified account on my credit report from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX this account was settled in full with the original creditor XXXX XXXX! Being a long-time customer, I have managed the account responsibly. However during that term I managed to acquire some alleged negative credit items with FICO. Eventually I look forward to the correct status of this inaccurate account and as a result your error has a negative impact on my credit rating. Will you please rescind the unverified collection account with the bureaus to assist this problem.
I have repeatedly called Navient private loan Lender about my very large debt and large student loan payments that I cant afford after my chapter XXXX bankruptcy ended in XX/XX/XXXX of 2018. I received a letter in XXXX demanding repayment. I called an set up a smaller repayment plan in XXXX but I am still getting late notices and they keep trying to charge me for late charges and what is left over after the payment plan which I have explained to Navient reps over five times since XXXX. I am struggling to pay the lower amount which I have been told will end on XXXX. I cant even pay on my federal loans at this time because of the private loan debt. The reps are always rude and not helpful at all. I struggle to try and get any help from this Navient and there is always the looming threat that they are going to charge me the back due amount, since they have my bank account information. They are still holding my account in past due status even though I fulfilled the three month payment obligation earlier this month. Even with a payment plan I get email notices demanding I pay over {$1000.00} in late charges and past due amounts.
XXXX  of last yea r (   XXXX  ) I noticed a collection on my account  for CommonWealth. I co ntacted the agency to verify the debt. I was told that I did not have an account with them based on the fact that they could not pull up my name, phone number, or SSN for the account listed on my credit report. At this time I disputed the account with the all three credit bureau 's which resulted in a deletion from my report. As of  XXXX  of this year (  XXXX   ) th e account was placed back on my credit report. I once again contacted the agency and was told the same thi ng ( nothing with my information was pulling up ). B ut the collection continues to be reported on my credit report. I have never received any type of correspondence regarding this account prior to it be placed on my credit report, twice now. I do not understand why it continues to be placed on my credit report which has effected my credit.
I have filed a dispute with the 3 credit reporting agencys. XXXX, XXXX, and Equifax. I have been trying to get an error corrected on my 3 credit reports for quite some time now. I have 2 accts from " XXXX '' reflecting on my credit report. I have requested several times via usps mail for validation of this acct. These 3 companies are under strict laws that are designed to protect the consumer in instances such as this the law states as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Which means that billing statements are NOT good enough. I have demanded to see the actual signed promisary note of these accts. Which they have failed to provide. Furthermore the law also states : Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The proper proof that is acceptable is as follows : I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance I would like the 2 accounts that are listed as " XXXX  '' on my credit report with the 3 major credit bureaus be removed immediately as listed by law that must be filed. There is no choice in this matter moving forward.
Contacted collection agency on XXXX/XXXX/2016 for payment of total amount owed. Paid total balance owed on XXXX/XXXX/2016 with credit card. The amount was debited to my bank account on XXXX/XXXX/2016. Now the collection agency still show unpaid collection in my credit report. I have disputed this balance with XXXX but nothing has been done. I have also contacted both the original creditor and the collection agency but they refuse to remove the derogatory information on my credit report.
XX/XX/2016 I had an unexpected auto payment withdrawn from my checking account without my knowledge through Navient. I had previously had autopay, but called and canceled it around XXXX 2016 due to hardships, so I would call in and make an over the phone payment with my credit card so I could control my finances more. My Federal loans remained on autopay but not Navient because Fed loans offer loan forgiveness when you make 10yrs of on-time payments while working for non-profit. When I called, they said I scheduled the payment back in the end of XX/XX/XXXX which does not make sense to schedule a XX/XX/XXXX payment 2months prior. I asked for stop payment because that money was coming out of my rent check and I never pay additional bills out of my rent check. They said because my due date was the XX/XX/XXXX, and if they refunded my amount that my account would be in default that they could not refund my money to me. It was a very rough 2 weeks to follow especially seeing I was traveling out of state for a wedding the next morning. So I definitely know I would n't plan a withdrawl of such a significant amount around that time.
I have been a Chase Freedom cardholder since XXXX. Twice now my APR was raised and both times Chase sent me notification of the change in terms using Presorted Standard Mail. My husband who worked for the post office for 31 years was shocked when he saw this because he knows that anything that is sent Presorted Standard mail is not returnable and subject to be thrown away by the postal service if not deliverable. Because of this fact, most Americans regard presorted standard mail as so called " junk mail '' and discard it without even opening it. I believe that Chase is using this type of postage as a deceptive practice of trying to satisfy the requirements of the law while secretly hoping most people will not read it. The first time this happened my APR was raised from 12.24 to 29.99 and I was notified through Presorted Standard. I called them on this and they immediately changed it back to the 12.24 when I challenged them on it. Now they are doing the same thing again. I received the notification that my APR would go from 12.24 to 16.24 effective XX/XX/XXXX again this was sent presorted standard mail. 

In my opinion Chase is being deceptive in the hopes that most customers will throw the notices in the trash and never read them. I think they should be fined and/or required to send future change in terms notices first class mail.
Today and yesterday can not contact Equifax to freeze account for their data breach. I have trained multiple times.
ERCI has violated 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.
Opened Wells Fargo Cash Wise Visa Signature Card on XX/XX/2016. A balance transfer of {$13000.00} and a balance transfer fee of {$390.00} were posted to the account on XX/XX/2016. The following payments totaling {$1100.00} were applied to the account : XX/XX/2016 {$390.00}, XX/XX/2016, {$390.00}, XX/XX/2016 {$340.00}. The first statement was issued XX/XX/2016 showing a minimum payment due of {$520.00}, including {$390.00} to cover the balance transfer fee. When contacted Wells Fargo refused to apply prior payments to first minimum payment although they were made prior to the first payment due date. Their only solution was to return the funds which they had previously accepted, but returned funds would not be received from Wells Fargo prior to first payment due date. Wells Fargo has purposefully, and deceptively increased the first payment minimum payment without applying payments made to the account prior to the first payment due date, specifically for the purpose of encouraging default and increasing fees and interest rate.
I experienced exactly what is detailed in the lawsuit against navient. Upon graduation I was unable to find work in my field. I contacted navient to try to consolidate my loans to get a lower monthly payment. I was informed my loans were considered to be consolidated because they held all of my loans and my payment could be no lower than roughly {$250.00} a month ( while my wife who has XXXX in student loans more than me pays half ). I was told I did n't qualify for income based repayment. I was instead directed toward deferment and forbearance.
I went to XXXX XXXX in XXXX, NY. I have XXXX and had to have XXXX XXXX so now I am on XXXX. They have been taking money out of my XXXX payments as well as taking my tax returns to pay for my student loans. When I look on the website that lists how much is still owed though it says that my federal loans have been paid in full for a few years and I have not made any payment on the private loans since 2007. I have letters from the Department Of The Treasury that shows how much they have been sending to pay for the loans each month. These payments have been being sent for over XXXX years now but XXXX XXXX has not been recording any of them. I read that you were in the middle of a lawsuit with XXXX XXXX and was wondering if you would be able to help me with the problems I am having with them as well. I had contacted the Attorney General about this in the past and a letter was send saying that I owed a total of {$3900.00}. Though on the website that list the current loans there is XXXX that says is owe over {$15000.00}. Since the Attorney General was involved XXXX XXXX has taken more then that amount out of my XXXX or reporting that any of my loans are fully paid for.
I am a rush card customer and I called to replace a card. The first time I am replacing a card. I was charged a fee when I was told I was n't going to be. so I called to dispute the XXXX $ fee I was told 1-2 business days it would be removed it has been a week it is still there. This is after I had to argue with a lady to tell her that I have never replaced a card before because she kept telling me I did, when the previous person had confirmed with me that I had not and it would be sent free of charge. I also needed to dispute a charge that was charged twice and they sent me the dispute paper I faxed it and they do n't know if they got it. I was calling for 3 days the phone kept ringing and hanging up telling me my social was wrong, or would just keep me on hold and hang up or would n't ring at all. This morning XXXX/XXXX/2015 I attempted to call and it keeps hanging up. I have been waiting for a replacement card for 11 days. I received the dispute paper that I requested after a replacement card. My direct deposit has not come in on time and they said they have n't received it when all of sudden the week of the outage the direct deposit is late. I can not get into my online account because it was locked I do n't know why, I cant reset it because I am still waiting for a card so I have no idea how much money is in my account now and there is n't anything they can do. This is very unprofessional if you do n't have the money or technology required to do a update do n't do it because XXXX customers are dependent on you for a means of living. This is sad, a XXXX owned business that I truly believe was great has turned into a major disappointment. XXXX XXXX get it together. Praying for those affected ARE YOU KIDDING ME? We are n't dying but who knows someone might since they cant access there funds for medicine or even food. My heat payment is late and there is n't anything I can do. You said you will call people if the DM you on XXXX that they are still having a problem! What difference does that make because they would be talking to you? Like come on this is serious! you have money, and you created rush card for those that you believe needed the help now what do you call this! SAD! Get it together!!! UNCLE RUSH!!! The apologizes, prayers and promises do not improve anything.
When signing up for XXXX XXXX XXXX Cell phone service on XXXX of 2015, I was told multiple times that XXXX XXXX XXXX would not do a hard inquiry into my credit report and that it would not show up on my credit report or affect my credit score. However, the company did do a hard inquiry. I disputed this claim but Equifax determined within 24 hours and getting no documents from me that it was authorized. However, I have screen shots proving that XXXX claims that they will not do a hard inquiry when signing up for cell phone service. 
I have tried multiple times to contact XXXX ; first by using the number provided on the dispute and then calling all the different numbers that XXXX employees give me. I have not been able to speak to anyone at the company about removing this inquiry. 

On this dispute, I also disputed XXXX 's claim, but the company is working with me to remove it. I am also in the process of contacting XXXX and XXXX for the same problems.
There was never any money owed to XXXX.. The collection agency has false information and will not work with me to try to resolve. They reported to the credit bureau and will not try to resolve or work with me on any of my attempts. its only {$220.00}. i offered to pay the amount just to get it off my credit. But they still will not make an effort to remove their mistake.