WillisBack/dataset-financial-user-claim huggingface dataset:
Original letter of dispute sent certified mail to XXXX dated XX/XX/XXXX and signed for on XX/XX/XXXX. Creditor failed to notify all three credit bureaus to place a notice of dispute on my account within 30 days of my dispute. XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
I have emailed and called Capital One Credit Card numerous times in the last 6 months about my credit card account not showing up on my XXXX. I am trying to buy a house and this is affecting my credit score big time. I have had a credit card with Capital One for over a year now and they still are not reporting on my XXXX but its reporting on all the other agencies ie: XXXX and XXXX. I also contacted XXXX which  puts the blame on Capital One. Capital One keeps telling me when I call that they will update my report and it should show in 30 days. Well 6 months has passed and its still not updated. PLEASE help me resolve this issue! I don't know what else to do.
I applied  for two Tuition Answer loan s with  XXXX   XXXX  in  XXXX  and  XXXX . I filled out the applications as the student and main borrower of the loans. I asked my father to co-sign. A few years after receiving the loans I called to have the co-signer removed from the account. i was told that I myself was the co-signer and my father was the student/borrower. I informed them no that we filled out the applications as myself as the student and main borrower. The stated that my father was placed as the main borrower because his  credit score was better and if they would not have done that then we would not have gotten the loan. They stated that there was no way to switch it now. There is also no way to removed my father from the loan ever because he was the student. He never attended school and never was the main borrower. We have tried to have it switched and it is impossible. My father will always be stuck with this loan, because they lied and did something we wished never to have done. If my credit was no good enough for the loan they should have denied me and not went behind our backs to saddle us with a loan. We was promised that we could removed my father from the loan   within four years  from disbursement. Now we will never be able to do this because the lied and put him as the student borrower.
Capital one is providing false and inaccurate information on my credit report. The date, the balance, and all the information on my credit report is wrong. So today XX/XX/XXXX another collection showed up on my credit report with different dates and balance. So now Im showing two collections on my report from the original creditor being capital one. The balance should show XXXX.
AFNI Collections 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.
I fell behind on credit card payments so it was sent to a collection company. They called my work phone, I stated clearly and firmly that they CAN NOT use this number as a contact and gave them an acceptable number to call. Today at XXXX they called my desk phone again. I may lose my job over this
I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX inquiry to determine who requested this credit inquiry.
As of XX/XX/2017 all student loan debt was paid off with a zero balance remaining. After working to get delinquencies removed I was advised to print of a loan summary detail by a representative from XXXX XXXX XXXX. This report provided online gave a detailed descriptions reflecting XXXX days delinquent and a zero balance on ALL accounts. This report was then submitted to all three credit bureaus resulting in them removing all but XXXX XXXX XXXX of the XXXX agencies. The information provided allowed them to removed the majority except XXXX. The loan summary detailed report provided all accounts I had through XXXX XXXX.
I reached out to the debt collection company " Sunrise credit services '' for validation of debt listed on my credit report, upon receipt of my certified and registered letter, they responded with a letter which did not include itemized statements, or the initial date of delinquency. Without the validation of this debt the collection being reported would not be legal.
So this is the third time this has happened with bluebird 's American Express card and hundreds of others are experiencing the same problem. You will get notified that you have received a direct deposit from your job into your bank account but for some reason, the bluebird card website goes down and you have no access to those funds whatsoever except the money that was already on it before you received the direct deposit. Customer service informed me and others that this was due to a system update. ( They should not have notified me of my direct deposit if I can't have access to my money. ) On top of all of this, the website is down and you can't check your balance. Also if you try to call the number bluebird provides you on the back of the card, it is automatic and there is no possibility of speaking to a customer service representative or a live person. I and others are considering a class action lawsuit because no institution reserves the right to hold your money like this. The clear explanation of all of this is interest. American Express is involved in financial fraud and is illegally freezing peoples deposits in order to gain from the interest!!! The LAWSUITS ARE COMING!
Back in XX/XX/2017 i placed a security freeze with Equifax since my information was compromised including my social.I recently have been trying to get a car financed and I have recently attempted to remove the security freeze more than 6 times to no avail. I have called their customer service team on at least 6 occasions and each time i get excuse after excuse. I have been told it would take up to 5 business days. Well 2 weeks later the report is still frozen. So a company can compromise my personal info with poor security procedures but can not remove the freeze from my account in a timely fashion??
BankAmericard Travel Rewards Visa Signature  card - False advertising, bait and switch rewards program In early  XXXX  of  2017   , before my oversea trip I called Bank Of America about this card 's rewards redemption program. The program specifies that the reward points can be redeemed as statement credit to offset the travel expenses charged to this card, so i asked the BOA agent ( on the phone ) what type of travel expense would be qualified and I was told, " any type of travel expense qualifies. '' Therefore, I advised him that I would be traveling overseas from  XXXX   XXXX  -  XXXX   XXXX  of this year and would be using this credit card there. While I was traveling overseas I purchased airline tickets using this credit card on   XXXX   ( an travel agency ) for about {$450.00}. After I came back from my vacation, on  XXXX   XXXX , I called BOA to redeem my reward points to offset this travel expense, but the agent told me he had trouble redeeming my points against my travel expense because there was some sort of coding error in my  XXXX  charge. He advised me to go ahead and pay off my travel expense first and then he will correct the posting code and redeem my reward points as statement credit later for me. But one week later I still do n't see the statement credit so I called BOA again on  XXXX   XXXX , and at first the agent said that I should be able to redeem my points against any travel expense but when she realized that the charge had coding error, she said she could n't do anything about it, that I had to contact the merchant ( mind you, in foreign country ) to correct the coding. I asked to speak to her supervisor and she said " it does n't matter, supervisor would n't be able to help in this case anyway. '' I ca n't believe her response! I feel so betrayed by BOA, because before the trip I specifically asked them what type of travel expense is eligible and was told " any and all travel expense are eligible. '' And because of this response I decided to take this credit card on my trip and not any other brands of credit cards. I could have brought and used my  XXXX   XXXX  or  XXXX  or  XXXX  card for that purchase if BOA did n't lie to me!! For a financial service company of this size to be so irresponsible or so incompetent with their business practice, I 'm beyond disbelief and disappointed. I feel hurt and deeply betrayed for believing and trusting this company in the first place.
On XXXX XXXX, XXXX i wrote a dispute letter asking for validation of this debt ( see attachments # 1 & 2 ). XXXXXXXX XXXX wrote back on XXXX XXXX, XXXX ( see attachment # 3 ) stating i can get in contact with them via email @ XXXXXXXXXXXX ; they also requested information on attachment # 3. I wrote them back on XXXX XXXX, XXXX via email sending them the original dispute letter plus a debt settlement letter ( see attachment # 4 ). XXXX Fund/navient wrote back the following XXXX XXXX XXXX to me Thanks for your recent e-mail regarding your student loan ( s ). This auto response provides confirmation your message has been received. We are examining the issue ( s ) raised in your message. Please allow up to 10 calendar days for any requests requiring a response. If you need immediate assistance, you may call our office toll free at XXXX. 



Thank you, Post Claims Assistance XXXX, XXXX. 

It 's been passed 10 days.
I have reached out to XXXX XXXX several times to understand the calculation that created my monthly payment. I have completed several calculations myself to understand where my monthly payment comes from, as well as checked my math with professionals. No one is able to determine the same monthly payment that XXXX provided me for my XXXX loan. XXXX XXXX will only provide loan document information and an amortization plan to me, without explaining how my monthly payment came to be. I feel as though my loan is being charged incorrectly.
I have been trying to get a loan modification, and have been denied, my last day to appeal the latest denied loan modification was XX/XX/XXXX. My home has a sale date of XX/XX/XXXX. 
I just got the CFPB 45 Day Solicitation Letters uploaded to my account on XX/XX/XXXX!? I called the mortgage company that was formerly Nationstar, now MR. Cooper, and asked them why am I receiving them 8 days before my home is sold? The loss mitigation department said that is fine to do..I told them it looks like I should have gotten that 45 days ago. If I had received the letter from them I may have been able to do a deed in lieu or other arrangement that they talk about on the letter, in order to save my credit moving forward. Now it feels too late to do anything, and they are forcing me into having a foreclosure or bankruptcy on my credit..which is horrible since I run a small business that I have to personally guarantee finically. This will make everything more expensive for me, for a long time. I want to stop the sale and avoid foreclosure ASAP.
I filed a report with CFPB after  Americans Credit Financial threatened a lawsuit claiming I was committing fraud by not paying  when they had my card number and were supposed to be taking out monthly payments and failed to do so. They finally ran the card number on file in  XXXX  after repeatedly claiming it was invalid and found that it was valid just like I 'd been telling them. I told them I would be able to pay the entire debt on  XXXX   XXXX  and instructed them to take out the full amount because I was beyond frustrated dealing with the constant level of   XXXX    they were causing by not handling the case professionally. Because I still did n't trust them to actually take the money, or make any kind of record indicating that my card number had been valid the whole time, I filed the first complaint with CFPB. Which brings me to this complaint.  XXXX   XXXX  came and went with no payment or communication. The following business day came and went with no payment or communication. So my husband called on  XXXX   XXXX  because he was off work and told them to take the payment. They said they could n't because it had gone to legal and that was it. So I had to take a break at work to call and tell them they needed to let me pay off my balance. They said it was no longer in their hands and hung up on me. So I called back and said this is the reason I have a problem with your company, you say you 're going to take my payment and do n't. She said it was my fault because I 'd gone and filed complaints against their company and if I wanted to pay off my debt I 'd have to " figure it out '' myself just like I 'd figured out how to " contact the blogs. '' I assume by blog she meant CFPB. I said if you hade done your job I would n't have complained. She said I should have called them. So, was I supposed to trust them to do their job or keep calling to make sure -- because those  XXXX  things to me seem contradictory, and they seemed to expect me to take them at their word every time they said they 'd do something -- like take a payment even though they 'd failed to do that for months. I 'm working multiple jobs to get back on my feet. I already deal with constant  XXXX  and  XXXX  on a daily basis and to add this company to the mix has been  XXXX  for months and I just want the debt paid and this over with. I 'm so beyond my tipping point I ca n't breathe. When they gave me the runaround before agreeing to my final payment last week, I was tempted to sue because of their treatment of my account, and their actions causing the threading voicemail left on my husband 's phone. Not because I do n't want to pay, but because of the insane level of   XXXX   I 've had since we began dealing with them. I called in  XXXX  to address what had happened with my payment and they failed to do what they said. I really do n't want to bother with further action because I do n't have the time, money, or energy to continue dealing with this, but every time I turn around, it 's even more ridiculous.
American Express continues to report the main card of an authorized user account I closed to my credit report. I closed the authorized user card & cancelled my affiliation with the account at the start of 2016 and they are still reporting to XXXX of the XXXX credit reporting agencies when I 'm no longer responsible for or authorized on the original main account.
I co-signed a loan for my son-in-law XXXX XXXX in XX/XX/XXXX for a vehicle. In XX/XX/XXXX the vehicle was repossessed. XXXX XXXX said that the company had offered him a pay out amount and that he was going to make payments on it. I had heard nothing more on it until last week when a call from P & B Capital Group LLC came to my home. XXXX XXXX spoke to my wife XXXX and stated that I am responsible for half of the remaining {$6800.00} and that they would soon be levying a judgement on me if something was not done. She told him that the loan was supposed to have been taken care of and that there had been no request for payment from his company. XXXX XXXX gave her contact information for XXXX XXXX who was now my ex son-in-law and told her that I had better do something to get XXXX to pay or it would be up to me to pay the full balance due. I went to speak to XXXX XXXX, gave him the contact phone number for XXXX XXXX, and was told that XXXX would call P & B Capital. Today my wife XXXX called XXXX XXXX and told him that I spoke to XXXX XXXX and asked XXXX XXXX if he had received a call. XXXX XXXX asked first when this would of been and said that yes XXXX had called and left a message, but now was not answering any calls again. XXXX XXXX was very rude to my wife, said that he was now getting angry and that it was too late anyway because the account was now going to be pulled for further action. She then told him that I wanted to be sent copies of the loan showing the amount due and XXXX XXXX refused saying that they had been sending out paperwork since XX/XX/XXXX. My wife told him that we had not received any correspondence from them and XXXX XXXX became agitated. He told my wife that he would send it by e-mail or fax but would not send it out by mail. XXXX refused to give him an e-mail address and told him that I wanted to receive the information by mail. Again he refused. XXXX requested the address for the company and XXXX XXXX refused, got angry and said that he wanted to speak to me only. XXXX XXXX then disonnected the call. Less than a minute later he called back and said that he would send the information by e-mail only. XXXX told him that she would not give him the e-mail address and XXXX XXXX said " I have it ''. He gave some strange e-mail address and XXXX told him that he would be sending it to someone else because that was not our e-mail address. XXXX again requested the information by mail and was told no. XXXX also told XXXX XXXX that if he could n't provide the paper work and the address for his company he should n't be trying to collect. He finally gave her the address, and then again ended the call. XXXX then went into my XXXX XXXX account and did a credit report. That vehicle shows for a company called XXXX and is showing a zero balance. There is not listing for P & B Capital Group LLC. I do n't owe this company anythinng, and XXXX XXXX is harassing my wife XXXX who is XXXX and supposed to stay clear of stress. I am asking that you please tell them to cease their contacts. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX phone XXXX
company based in XXXX calls repeatedly with caller id from XXXX leaving message to call XXXX number. Calling the number no one ever answers and they still keep calling
Dear sir/madamI have disputed this debt from ESCALLATE for so many time now but ESCALLATE stated that they were told to continue collecting the false debt from me without providing any proof of documentation to show that I own this debt. Account number XXXX I copied this account number from my XXXX credit report.. 
I do n't own any MEDICAL BILL to ESCALLATE LLC or any of it 's affiliates or so called original creditor. I am requesting a further investigation to this matter and also ESCALLATE LLC have to provide proof of documentation concerning the debt. example the document or documents I submitted when I seek for the care from the Original creditor. 

I BELIEVED THEY GOT MY ADDRESS FROM THE DESPUTE I SUBMITTED
I still to this day do n't know what this debt was for but a place called  N.A.R Inc ( I  only know this from seeing it on my credit report ) obtained a judgement against me ( only know thos because of my credit report ) for  XXXX  for what I do n't know??,  XXXX   XXXX ??  Dont  know what position he stands in this. A lawyer, A constable or some guy off  the street  collect on a debt?? On  XXXX   XXXX  he came with  2  others to my house and help up a paper like he had a warrant. He was even wearing some sort of gold star shaped metal on a long chain like a old sheriffs badge. They pushed their way through the door started grabbing my Tv 's,  Computer, VCR  anything worth value and putting prices on them. Writing them down as well. They wrote threatening letters to my father stating there was going to be a constable 's sale at my house on   XXXX   XXXX     to sell all my personal belongings and so My father paid them {$1500.00} on   XXXX   XXXX   triple the amount of what the debt of  XXXX  is on my credit report. My father and Friend recently passed away and I have been helping my mother with finacial records, taxes ect..when Icame across the letter they had sent him I had not seen until now. It pains me to know he paid this because I had told him of them doing a raid for valuables in my house and he was only trying to protect me. Whoever N.A.R is or  XXXX   XXXX  these people never verified the debt, never served me papers and used threats to get my dad to pay 3 times what the judgement was for and to top it off Its still on my credit as a judgement against me paid leaves out the fact he overpaid. Will you please help me find out what this debt was for and can they do that act like police take my stuff then advertise there is going to be a constables sale on paper to the public. I tried to call the number and went by the address on this letter but they do n't exist at least not anymore. I just feel bad my dad paid all that and knowing now that they have to verify the debt and serve. Its eating away at my heart Thank you for your time
An IRS Tax lien was withdrawn on  XXXX / XXXX /   2017  and after filing multiple dispute with Equifax the lien record has not been deleted from my personal credit report. The status was only changed to " Released '' which is not accurate. I demand that the entry be removed as it has been in all other credit reporting agencies. I am aware of numerous complaints for the same issue against Equifax.
For a number of years I have been trying to refinance my mortgage with BB & T bank at a lower interest rate in order to lower my mortgage payments to help me and my family to pay more on our high credit card debt. Despite my excellent payment history with BB & T in regards to mortgage and other loans with them, they refuse to offer me a mortgage at a lower interest rate stating that my credit score is too low and that my outstanding commercial loan balances XXXX credit card debt ) is too high. This has been very frustrating for me as I realize that the answer to me improving my credit score is to lower my outstanding commercial debt. But it is difficult for me to accomplish this at my current mortgage interest rate.
After numerous disputes between XX/XX/XXXX and XX/XX/XXXXof an alleged missed auto loan payments dating from XX/XX/XXXX with Wells Fargo Dealer Services ( WFDS ), and recorded with XXXX, XXXX, and XXXX ( CRA 's ), I sent a series of letters to WFDS fromXX/XX/XXXX to XX/XX/XXXX demanding under 15 USC 1692e and FDCPA 807 ( 8 ) ( 9 ) ( 10 ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. WFDS and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against WFDS in XX/XX/XXXX to force it to  delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. WFDS subsequently lost this case on XX/XX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for WFDS in XXXX, NC, its Credit Bureau Dispute Resolution Unit, as well as each CRA onXX/XX/XXXX. XXXX has subsequently deleted the record. However, XXXX and XXXX have not. I received a response from the WFDS Credit Bureau Dispute Resolution Unit dated XX/XX/XXXX that stated, " The record was verified. ''  Both XXXX and XXXX claim the same statement in spite of receiving court documents requiring the record be deleted. WFDS has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX XXXX XXXX XXXX -- period!