WillisBack/dataset-financial-user-claim huggingface dataset:
I am an authorized user of this XXXX account of which was explained to me by XXXX that this account would be reported to all national bureaus However I have reviewed my credit file with Experian and have not seen any reporting thus far for almost a year. I received document form XXXX XXXX explaining the request to have the account reported. I've attached XXXX 's document to reflect more information.
I went to check my credit report on XX/XX/2017 and I notice that they were showing my chapter XXXX bankruptcy. The information that is on my credit report was pulled from a third-party reporting agency. The clerk of court of XXXX County told me that they do not report public information to the credit agency. Therefore this information needs to be deleted from all of the credit reporting agencies.
In XXXX XXXX I realized theres an account opened that I did not know was open or did not authorize. it was a fraudulently account. I advised Capital One that I became aware that there is money being taken out my checking out monthly for a Cap One account and was not aware. When I contacted them, the account was still open. They advised me they will close it and launch an investigation and would take 60 days. I contacted Capital One every week to check status and was told they are working on it. In last week of XXXX, I applied for a new account with Capital One. I was approved.I received the card first week of XXXX. I called Capital one again, On that call ( which I am sure was recorded ) I asked why is there an account showing for a card ending in XXXX when I set up new online account. They advised me that is a glitch. I asked on that same call that if there is a payment due while in Investigation. I was advised there is no payment due and I am not liable and the account has been closed and my credit bureau was updated to reflect that. In XXXX I realized my credit bureau still shows the account. I disputed with the credit bureau. At that point on XXXX/XXXX/XXXX, my credit reports were updated to show I am late 60 days. I never received a letter from Capital One. I was never allowed to make payments since a Fraud account. I was never advised that the investigation was closed. I am beyond frustrated. Since then, overtime I call I am told I need to speak to the person handling the case and get transferred to her voicemail. I leave voicemails and no reply or callbacks. Not one notice or letter was ever sent to me by Capital One. My mail gets scanned at XXXX for online viewing and I can prove that. I never received a call even from Capital One regards to account. Now the new account I opened is somehow linked the fraud account. I advised them of Fraud and they are making it worst by linking my new account with a fraud account from the past. NEVER WAS I ADVISED PAYMENT WAS NEEDED ON THE ACCOUNT SINCE XXXX. I HAVE RECORDS OF ALL THE CALLS I MADE ON A MONITORED LINE AND EVERY TIME WAS TOLD NO PAYMENT DUE. EVEN THE CALL ON XXXX/XXXX/XXXX WAS ADVISED PAYMENT DUE IS XXXX. I NEED THIS ACCOUNT TO BE DISPUTED AND ALSO NEED MY CREDIT BURAUE TO BE UPDATED. I OFFERED TO MAKE PAYMENT UNTIL THEY ARE DONE THEIR INVESTIGATION DUE TO THE FACT I AM IN PROCESS OF CLOSING ON A MORTGAGE FOR A HOUSE. NOW I CAN NOT CLOSE. NOW I CANT PURCHASE THE HOME AND HAVE TO SPEND MY TIME WASTING TO TAKE CARE OF CAPITAL ONE 'S MISTAKES. NOT ONE BILL. NOT ONE CALL NOT ONE NOTICE ADVISING ME OF A PAYMENT BEING NEEDED. I WAS NOT GIVEN ANY OPTION TO PAY AND OVERTIME I CALLED ADVISED NO PAYMENT DUE. HOW AM I LATE NOW? TO KEEP IN MIND NOT MY BALANCE NOT MY ACCOUNT. I NEED THIS RESOLVED ASAP. ONLY NOTICE I RECEIVED WAS ON XXXX/XXXX/XXXX AND AFTER I DISPUTED WITH CREDIT REPORT. NOTHING BEFORE THEN. OVERTIME I WAS TOLD NO PAYMENT CAN BE MADE. AND REASSURED ACCOUNT CLOSED DUE TO FRAUD
I received a XXXX  Grant that was serviced through XXXX. Terms are -- 4 out of first 8 years of XXXX  service must be spent XXXX  in a XXXX XXXX XXXX, in a XXXX XXXX. 

Each year you must certify that you have fulfilled your yearly XXXX  duty, or certify that you did not complete it -- but intend to complete the 4 year term before your 8 years are up. If this is not done annually, the grant turns into an unsubsidized loan. 

In my fourth and FINAL year needed, XXXX converted my grant to a loan citing that I did not certify my service for the year. 

-- I completed the electronic paperwork through my account on XXXX that certified the XXXX  I XXXX  at, my contact information, and my field of XXXX. 
-- I printed the PDF ( and saved a copy to my PC ) that can ONLY be printed after filing that my yearly service was completed. 
-- I had my principal sign the paperwork, and mailed it to the PO BOX I have mailed ALL of my previous 3 certifications to without issue. 

XXXX said they did not receive the paper, so they converted my grant to a loan because I did complete the annual service agreement. 

When discussing this with employees # XXXX and # XXXX I urged them to look at my account history, where they would clearly be able to see that I filled out the e-paper work ( which wouldn't show proof that they received it, but at the very least proof of INTENT on my part to continue my service ). 

However, according to these employees, when the grant converted to a loan all of my XXXX  Grant account was erased. According to them, they can not look up any previous data or find any prior information about my grant  because that is the procedure when the grant converts to a loan. This can be confirmed on my part as well, because in my XXXX account there is no ability for me to look at my archive. 

If we could see my archive, we could see proof that I did indeed fill out the paper work, which at the very least should prove my intent to fulfill this agreement, even though they conveniently did not receive my paperwork in the last year of my service. 

My principal would prove that she signed the paperwork, and if we could look at the date stamp on my erased account we would see that it was filled out on time.
I was not notified properly about the debt owed until after it was turned into collections. I contacted the debt collector and paid and satisfied the debt. I asked debt collector if they could remove the debt from my credit report since it was satisfied and they stated no they could not!
Hello, XXXX XXXX is reporting a 30 days late payment on my credit report for XX/XX/2018. I already addressed this issue. Sent them the bank statement showing the money was withdrawals from my account on time on XXXX. 

Because of this, I am now having hard time to get mortgage. The account # of XXXX on my credit report is XXXX. I also disputed to the credit bureau 2 months ago, so far nothing has happened. Please help me. Because of this, I am getting denial for mortgage.
Enclosed you will find two letters : 1. XXXX XXXX Security Freeze   Confirmation Letter f 2. Letter from the Courts stating they do not give information to credit bureaus. 

I have written the courts asking if they submit public information to the credit bureaus. They said they didn't and sent me a letter confirming they don't. 

I then contacted XXXX XXXX and the other data-mining companies asking for a FREEZE on my accounts too. They all sent letters back confirming FREEZES. 

I disputed this with XXXX XXXX and they confirmed account has a FREEZE on it. 

My credit report is still showing a Bankruptcy on all three credit bureaus. Where are they getting the information? 

I've asked them all to remove this bankruptcy that was dismissed. I've done all my work : Contacted Courts in South Carolina, I've FROZEN my account with XXXX XXXX and the others. 

Please verify how the Credit Bureaus are still reporting this. 

Thank you.
I have attempted to obtain my consumer report from this company on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX via facsimile at XXXX. My official document of a Driver 's License under category XXXX as implemented by XXXX meets all of the requirements. It has my current address/name and identifying information. However, they purportedly have DENIED my request twice for a consumer report. My Driver 's License has been copied at 130 % resolution which is more than satisfactory. I have even included a scanned copy to this complaint filed with the CFPB.
had a loan with beneficial, this loan was backed with a collateral I use my van, and bought insurance for d loan but my van was stolen an beneficial ask me for d police report, I took d police report to them an d loan was paid cause I had d insurance and lost my van. this happen I 2007 do n't know why after 9 yrs. this company " Asset Acceptance , llc '' wants to collect money. please help do n't want from them to keep bothering me and my wife, I m a XXXX yr. old and get tu frustraded.with this matter.thank you
On or about XX/XX/2018 I received a credit report from what was suppose to be responses from dispute processes, instead it illustrates the depths Experian will go to to ignore, evade and continue to violate the law, statue and regulations that cover credit reporting agencies. 

I requested the name, address and phone number as authorized of the third party they stated verified public records, they didnt provide. 

I requested after providing proof of error in the name characterization on my credit report, instead they reported more, no statue or law gives a creditor or credit reporting agencies authorization to change legal names, but Experian seems determined to make up their own laws. No creditor has reported the name XXXX XXXX XXXX, XXXX, XXXX, or XXXX XXXX XXXX, this is Experian method of justifying erroneous reporting and its illegal. 

The truth is as a matter of fact, their is no public record on XXXX XXXX, their is no account verified for XXXX XXXX with XXXX, yet in order for Experian to continue to report and collect fees for erroneous reporting they just add names to a person credit report.
After cancelling the card they wanted to send me another card. They also requested I send them a copy of a government paper with my social security number to clear an unknown transaction from XXXX XXXX that was on the card. I refused.
I had a HELOC from XXXX XXXX XXXX serviced by GreenTree Servicing. The house was foreclosed and the account was sent to collection. I worked out a settlement agreement with GreenTree. I have paid my agreed upon settlement of {$15000.00}. GreenTree misplaced some of my payments but the law firm handling the collection has said GreenTree found the payments in their system and would credit them appropriately. So far GreenTree has not responded to me with a letter stating I have fulfilled the agreed upon settlement. GreenTree has also sent new reports to the XXXX credit reporting agencies that my account is past due and that I did not pay. I would like GreenTree to send me an official letter stating I paid the account as agreed and that is is closed and paid. I would also like them to report the account closed and paid to the credit agencies.
Portfolio Recovery is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Account # s XXXX/ XXXX/ XXXX This company is reporting the amounts of $ XXXX/ $ XXXX/ $ XXXX/ $ XXXX/ {$470.00}
Trans Union, XXXX and XXXX still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) " through the physical validation of the original signed consumer contract '' to provide me lawful proof of verification for several accounts that have been reported on my credit report. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to validate in order to protect my rights as a consumer. Since it has been well passed 30 days allotted them as of XX/XX/2018 I am insisting that he CFPB forces Trans Union, XXXX, and XXXX to legally validate said debts or delete them  IMMEDIATELY! Certified letters were mailed out on XX/XX/2018 and delivery of said letters were confirmed XX/XX/2018. 

Accounts : -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX  -XXXX -XXXX -XXXX ( Been over 7 years ) -XXXX -XXXX -XXXX ( Collection Account-Trans Union only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-Trans Union only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-Trans union only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX XXXX ( Collection Account-Trans Union only updated account as closed and never supplied lawful validation which was requested )
I, XXXX XXXX, residing at XXXX XXXX # XXXX, XXXX, New York XXXX hereby states on record with the Consumer Financial Protection Bureau that Capital One is currently reporting a charge off on an account that Capital One accepted a numbers of payments on as a negotiated settlement. However, since this account has been basically been satisfied through a third party, they are still in violation of the Fair Credit Reporting Act by maintaining a charge off balance. The account should show a XXXX balance with a rating as PAID SETTLED as stipulated through the negotiations agreement on all pertinent credit reporting agencies, XXXX, XXXX and XXXX XXXX respectively.
Identity has been compromised with Equifax. They knew months ago and did not let us know.
On our  Sam 's Club C redit Card, They say I have been late more than 3 times since   XXXX   XXXX    . If you view my attached payments, you will see that several months I have actually made  2 pay ments a month. I called them because they said I was late again. I checked my bank statement and saw they had deducted my payment. When I called I was told that by making a payment in the middle of the month it actually just applied to the current month and was not viewed as an early payment for the next month. I had just made another  XXXX  payment which does n't show yet on my examples of payment printed from their website. Since this is still   XXXX   it will not apply for my   XXXX   XXXX   payment due of {$6.00}. I thought all of these shoddy ways of doing business were taken care of during the housing crash and credit card consumer abuse and what I call trickery. My husband gets his social security benefit check the  2nd Wed.  of each month and I pay my bills then. All this time since he opened this account, they have been doing this and I was not aware of it until today. No other company that I deal with does this if I make a payment for the next month it is credited for the next month. I think this is a very unfair practice for the consumer especially when they can see I have clearly made a payment in the current month.
I was trying to get refinanced because I need some cash out and I have an adjustable rate montage and applied to American Financial Network with a XXXX XXXX loan officer. 
They promised me XXXX cash out and that they would pay off a judgment against my daughter also. I had told them repeatedly not to go ahead with an appraisal unless all this looked good which they assured me that it did look good for me to get a loan with them .I had backed off them once but they persisted and so I gave them my credit card for the appraisal to be completed which it was costing me XXXX dollars but when they sent me papers to sign they money was not there that had been promised to me so backed off the loan and backed off the deal. I asked them to return the XXXX dollars since nothing was right about the loan .I believe they would tell me anything to close this loan but if they had vetted me closer before the appraisal as they should have they would simply told me that I did not have enough residual income for this loan to begin with, i contacted them and ask them to return the money have charged on my credit card but they ignored me and actually told me they would still do this loan, How can thy loan money to someone who did not met the standards for the loan in the first place They are American Financial Network Inc .www.afncorp.com the loan officer was XXXX XXXX from Ohio.
The carpeting in our apartment was defective and improperly installed. We signed a lease renewal contingent on its repair. The apartments agreed to this and dispatched a repairman. The repairman caused further damage and was unable to repair. At move out inspection we were told it was not our fault and to not worry about it. The apartments turned around and put this into collections. The collections agency is hold my wife 's and my credit hostage to extort money from us for charges we do n't owe. Supporting documentation attached will help clarify our contentions. Thank you.
Tried contacting the credit collection agency, they never responded. I tried contacting XXXX and Equifax and they still will not correct this error on my credit reports.
Pulte Mortgage has taken more than 2 months and still has not finalized our application and gotten an answer from the underwriter. They constantly loose the personal financial information they request and get from us. They have missed scheduled phone meetings [ resulting in replacing the person we were working with ]. Constant delays and broken promises about specific self imposed deadlines.
This company is using robo-call and ghosted number calling our business trying to collect debts from consumers. Their info is below WE ELIMINATE BAD DEBT! 

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View All What 's New Items Contact Information PHONE : SALES : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Client Inquiries : ( XXXX ) XXXX CREDIT REPORTING XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Mortgage Reporting : ( XXXX ) XXXX MAIN NUMBER : ( XXXX ) XXXX ( XXXX ) XXXX ADDRESS : ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Customer Testimonials " XXXX decreased our bad-debt write-offs!! '' - XXXX XXXX XXXX XXXX XXXX XXXX is committed to providing timely answers to questions we receive from our clients and consumers. To help us serve you more efficiently, please click the appropriate link below : Interested in Services?
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View All News Releases Events Error has occured while trying to process XXXX : XXXX? XXXX Please contact web-master View All Events Site Map XXXX Employment | Consumers | Become an Integration Partner! XXXX Privacy Policy Copyright XXXX - XXXX ONLINE Information Services, XXXX All rights reserved. 

XXXX XXXX XXXX XXXX XXXX CDIA visa_image master Card Image
In XX/XX/2010 my mortgage owned by Litton was sold to OCWEN. OCWEN immediatly served me with foreclosue process, even though I was keeping up with my payments with Litton. I spent 9 frustrating and expensive months ( paying legal fees ) to obtain a loan modification. I tried to send payments in during the 9 month period but OCWEN would reject them. As each month passed I never knew whether me and my young daughter would have a roof over our head the next day. When my loan modification was finally obtained, OCWEN promised that if I made my payments on time for 3 years that they would forgive the fees and penalties they had accessed me during the foreclosure process. I kept my payments on time for the past 5 years and now am getting ready to sell my home only to discover in Escrow documents that OCWEN is charging me an additional {$70000.00} in addition to my mortgage payoff amount. They are calling them " shared appreciation ''.
When I was in North Carolina on   XXXX   XXXX   , 2017, I   no ticed my checking account at Comerica Bank had insufficient funds. I located the card with the bank routing number and the full account number because that information was NOT on the documentation the bank sent me. I called customer service on Friday,   XXXX   XXXX   , 2017 to as k about wiring funds into the account. I was told my account had already been closed and the only way to resolve the matter was to send a check. Within two hours I wrote a letter, copied it, and mailed a check for {$160.00} to the  XXXX   ( Texas ) o f Comerica Bank. On Friday,   XXXX   XXXX   , 2017 I re ceived a letter from  XXXX   XXXX   XXXX     XXXX   XXXX  attempting to collect a debt I had already settled and indicating the amount had been reported to  XXXX . My account was open for nearly  25 years before it was closed eleven days before I called to make an electronic funds transfer into the account. C omerica Bank acted in bad faith by refusing to allow me to execute a wire transfer, demanding a check, AND submitting my matter to a collections agency on the SAME day. If the only option for settling the matter is for the customer to send a check, then ample time must be allowed for the check to actually be received before the matter is submitted to a collection agency. I have disputed the charge with the collection agency and written multiple entities of Comerica Bank to communicate my view that the bank 's business practices are unacceptable. I am contacting this federal agency because my husband had a similar experience with a Comerica account he held in Michigan for many years. It is not an accident that a couple married for nearly  26  years would have peculiar experiences with branches of the same bank opened in states as distant as Texas and Michigan. I respectfully request exploration of Comerica Bank 's business practices because they are not clean.
On XX/XX/XXXX, there was a charge of {$81.00} from a hotel named XXXX XXXX in XXXX, XXXX that was charged on to my Citi credit card. After I saw the charge, I contacted the Citi customer service for a dispute on the charge, and they gave me a temporary credit. After 2 months, on XX/XX/XXXX, the dispute charge was reversed back in to my account, saying that the person who used my credit card number said I gave them my credit card number for them to book for the hotel on XXXX. When I saw the documents that Citi provided me, it showed that the credit card number was entered manually by the hotel, and the signature that was on the receipts were not of mine. I have contacted the fraud department of Citi, but have not heard back from them about this issue.
On XX/XX/19 at aprox XXXX, a representative of the XXXX XXXX XXXX  XXXX  contacted me at my work I have repeatedly asked them not to call my work. This is thier 5th time doing so. Twice I even issued a verbal cease and assist for my job. When I have repeatedly told they representatives to not call my work and to take the number off, they have ignored me, they have never tried to contact me at my cellphone. The XXXX XXXX will not stop with its harassment
This debtor continues to make up to XXXX phone calls a day at work and to my " emergency contacts '' to collect a debt that payments continue to be made on. They will call up to every two hours to work continuing to harass not only myself but my place of business.