WillisBack/dataset-financial-user-claim huggingface dataset:
these two accounts capital one acc XXXX and XXXX cards acc # XXXX, are reporting one delinquency negative mark on each account. i have already received the creditors letter for which they have approved to remove the inaccurate information from my credit reports and they have approve to have all the credit agencies to remove this inaccuracy. 
please help me to resolve this issue thank you
When I was first out of college and underemployed or unemployed the company consistently steered me towards forbearance and deferment, this took my loan balance went from the initial {$55000.00} to over {$72000.00} by the time I was able to get on my feet and find a good job. I feel like I would have been better served by a IBR or other program, but when it came to setting that up the documents would n't go through for on reason or another.
I keep getting harassed by a creditor and threatened with legal action on a debt that was a result of fraud.
On XX/XX/2018 XXXX XXXX XXXX denied me housing for the following reasons * Unable to verify income - I sent my XXXX statements along with a spreadsheet breaking down payments * Garnishment, attachment, foreclosure, reposession, collection action or judgement - I had none of these that I was aware of and was not given an opportunity to explain anything on my report. I did end up having a collection which is due to a California Bank failing to apply GAP insurance payments for a car that was " totaled '' to my loan. I am filing a separate complaint on the bank.

* Delinquent prior or current credit obligations with others - This is false, I had a clean credit report and the bank where I financed my vehicle actually lowered my rate from over 20 % to around 15 % due to a clean credit report.

* Unfavorable payment history with another apartment community.

- This is false. I terminated a lease early with the property owners permission due to getting shot at by drug dealers who were selling drugs across the street.

* Prior eviction proceedings.

- This is false, I have never undergone eviction proceedings that I am aware of.

I also called TransUnion XXXX XXXX who provided the rental application and they verified that there were no evictions on my credit report.
On XX/XX/XXXX a Fraudulent Unauthorized Transactions came from a CLKBANK {$19.00} I reported to XXXX my card was stopped and a new card sent out ( card was stopped due to fraudulent unauthorized transactions ) I was told the card needs to be stopped! After that call to BBVA I called the company and told them this charged was not authorized by me that said my card will be issued a refund for the amount of {$1900.00} and that was done, BBVA has still choose tot make me pay for {$180.00} in overdraft fees and late fees on the overdraft fees for the fraud that happen on the account on XX/XX/XXXX When did the law change for the customer that has had Fraudulent charges done without consent or authorized has to pay for fee etc. that the bank policy is that when fraud happens the card must be stopped and all fees will be removed well all of those things has happen but BBVA has REFUSED to move the Fraudulent Fees on my account due to Fraud and I demand they removed these fees. This is the 2nd time this company has charged our card and that was just cleared up by them so both cards has had to be closed because of this {$19.00} charge from the same company.. REFUND OF NSF/OD FEES OPS COMPLIANCE SUPPORT FOR REG-E DISPUTE # Fees & Charges XXXX Banking Fee XX/XX/XXXX {$120.00}
XXXX XXXX XXXX 's Home has an account at U. S. Bank in XXXX XXXX, CA. at XXXX. I deposited XXXX checks on XXXX/XXXX/16 for a total of {$31000.00}. I was told the funds would be held, however, I learned on XXXX/XXXX/16 {$200.00} was realeased and {$4800.00}. was realeased on XXXX/XXXX/16. However U.S. Bank has charged for 3 checks submitted for pay a total of {$100.00} over draft fees. The funds were there. The checks were drawn on an account from XXXX in XXXX XXXX. The payee was the County of XXXX a governmental agency. In reading the regulations a government check does n't have to be held that long. I told XXXX the employee at U.S. Bank and she told me XXXX County went bankrupt. That is an untruth. XXXX County has never went bankrupt. This was done to get funds from this account illegally.
XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is 1 account reporting to XXXX   which are fraudaulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd  like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
I am writing to make a complaint against PNC Bank, NA. My husband and I have a home equity loan with PNC Bank that we 've had since XXXX. Our loan is due to be paid full by XXXX XXXX. We are starting to make principal only payments on the balance so that the loan will be paid full by the above date. 
I went to a branch drive thru on XXXX/XXXX/XXXX with a coupon and I wrote in bold letters " Principal Only '' in the amount of {$200.00}. After leaving the bank, I discovered it was processed as a regular payment. I then called the branch and was told by the teller, they have no button on their system to process " principal only '' payments on a home equity loan. I then had to call customer service and request the payment be reversed. I have been on the phone everyday talking to various customer service staff to see how to get my " principal only '' payments processed as such. 
I 've been told all payments will be processed as " regular payments '' and then they have to request that Branch Support Hot Line reverse the payment as principal. I was told this process takes approx. XXXX days. I then asked will the interest accrued on account be reversed and I was told, " No ''. Well in my mind, this defeats what I am attempting to accomplish if I 'm still accruing daily interest ( approximately {$8.00} per day, last time I was told ) and it 's not be reversed. 
I had a home equity loan with XXXX XXXX XXXX and we could make a " principal only '' payment anytime, at the drive thru or inside a branch, and my receipt would indicate " principal only '' payment. 
I think this is a way to collect more interest from their customers who have home equity loans with PNC Bank, NA. How could a bank in the lending industry not be able to service all loan customers in a fair and equitable manner? 
My wish from this complaint is that PNC will have to put in place an option for home equity loan customers to be able to make " principal only '' payments on their loans just as home mortgage customers have to option to do so. At the very least, if that 's not an option, then to reverse the daily interest accrued on account while waiting for payment to be reversed to a " principal only '' payment. 
I appreciate your assistance in this matter.
About 3.5-4 years ago I contacted XXXX to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a divorce, had a XXXX  child and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with XXXX and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was XXXX months ago.
Regarding previous case number #  XXXX . Please provide method of verification. I am requesting the Name, Address, and  Telephone num ber of the person validating the alleged item from creditor   XXXX   XXXX   University. I am requesting a copy of the original document or contract showing my name and signature for the alleged item. If the request can not be produced- please  Delete and Remove the item showing in my credit report from   XXXX   XXXX   XXXX  .The   reporting should be accurate and correct per FCRA.   Thanks ...
Equifax Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.
my name is XXXX XXXX, my mother XXXX XXXX died a few years ago, I am her only child. she had no executive of estate on file, before she died my mother gave me the power of attorney, iwas able to take care of all of her affairswhile she was living, then my grandmother died and left a bank account to my mother who was living, she told me that she did not need the money, because had plenty of own money, so she put the money in chase bank in new York.since I do not have the poa any more and there is no executive of estate there, what should I do to go to chase bank with the papers to file for probate action to get the money or get a lawyer and file in probate court with my lawyer for the money.?
For approximately 14 months, Army and Air Force Exchange Services ( AAFES ) has been collecting a debt owed. The statement comes from the AAFES   collection Department. They are charging XXXX $ each month. They are only applying XXXX $ to the account. When I called today, XX/XX/2018, to ask about this, they told me I had to contact XXXX XXXX XXXX ( XXXX   ) who is the actual holder of the debt collection. XXXX   informed me that there is a {$24.00} transaction fee. When I asked for a payoff amount, they said they couldn't give me one and i needed to contact AAFES. This seems like a very illegal practice for them to charge me for a fee when the other company is the holder or vice versa. I also asked for a history of statements to verify if this has been going on the whole time and both AAFES and XXXX said the other could provide.
On about XX/XX/2018, I tried to secure a pay day loan using my banking routing and checking account number. When I tried to log into my account, a pop-up number appeared for me to call the bank. As I spoke to the representative over the phone, he informed me that the bank has determined that my account must be closed within twenty days and that I can no longer be a client ever with them. I thought there was some mistake so I went into a nearby branch office to find out what was going on. The gentlemen at the branch said that you probably just need to change your username and password ; which he was getting started on when he received a call from the main headquarters letting him know that the account will be closing in or about twenty days. All I was told at the branch was that there was some suspicious activity on the account which translated as someone acting on fraud. When I was shown my account by the banker, I didn't see any suspicious activity on the account. I can only conclude that I was a victim of a scam for a cash advanced loan. The following week, on XX/XX/2018 I got a call from my loan institution telling me that all my payments from XX/XX/2018 have been returned to them as not been paid. I called Chase Bank to find out why and they have refused to give me any information and have said to me many times that " no matter who you talk to, everyone will tell you the same thing. That Chase reserves the right to explain anything, and that your account will be closed in twenty days ''. This has been very frustrating, I have been a loyal client of Chase Bank for many years, and no one wants o give me any information regarding the status of my account that's ended or transfer me to someone with the information regarding the returned payments to my loan institution, XXXX XXXX XXXX. I'd like this matter to be resolved as soon as possible and continue banking with Chase, however I feel as though I am being attached and punished for something I am unaware of.
XXXX XXXX, XXXX has contacted me multiple times attempting to collect an alleged debt. I have demanded that XXXX XXXX XXXX provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that XXXX XXXX XXXX is authorized to act in loco creditore. XXXX XXXX, XXXX has failed to provide all of the information I requested.
I originally submitted a complaint on XX/XX/19 regarding the mishandling of a refinance through Select Portfolio Servicing ( SPS ). I received a response on XX/XX/19 that doesn't even address all of the concerns I listed. They indicated that I was requesting more information about the CEMA. That is not what I was doing. I provided a detail account of the multiple missteps SPS took in handling the refinance that resulted in significant, additional fees I incurred. SPS was completely non-responsive, untimely and irresponsible with the handling of my refinance. If you reference my original complaint, you can see that I am requesting a reimbursement of fees I incurred. I expect a more thorough review of my complaint. The response I received from SPS is unacceptable is a further testament to why this firm should not be in business. I will continue to take action until a satisfactory resolution is provided.
I sent Omni Financial a debt validation letter on XXXX XX/XX/2018 and they still have not responded or taken this account that off of my credit report.
I noticed a credit card issued by XXXX XXXX XXXX on my credit report that I neither applied for or was offered. The card was issued on XX/XX/2018, and shows a credit limit of {$500.00} which seems to have been maxed out immediately. Card currently shows balance of {$500.00} which appears to have no payments made. Called issuer to inform of this apparent fraudulent card in my name as soon as I noticed it. However, account still appears on my credit report and is damaging my credit. XXXX XXXX has not provided any details or proof that shows this account opened by me. Need any help possible to have this account removed.
UCB collection contacted my Job 18 time in one day and disclosed my debt to my supervisor and told her that they will be sending the sheriffs to the job to arrest me.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX Acct XXXX  ( XXXX, Equifax XXXX  ), XXXX Acct XXXX  ( XXXX, Equifax XXXX ), XXXX XXXX XXXX Acct XXXX  ( XXXX, Equifax XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX ).
Our previous landlord placed some charges incorrectly on our account. We attempted to resolve it with them but they refused to remove the charges. We refused to pay and they sent the debt to collections. 

Our primary complaint is over the debt not being owed, however we have a secondary complaint that when the collections agency contacted us, we replied via certified mail disputing the debt and asking for additional evidence. They failed to respond to that letter, further indicating to me that this debt is not valid.
XXXX bank sold my accout to midland credit management. I called them to make arrangements to pay, they stated I had to call back in a week.I called again and was told they could not give me any information at that time.They finally called me a week later and when I refused to give out my bank information I was told they would get an attorney.They also wanted to send all correspondence via email, I refused that as well and again I was threatened with them getting an attorney.I never refused to pay.They called me non stop.I then told them I had mailed a validation letter and once again they wanted to send it via email, when I stated I wanted it in writing via regular mail the again threatened to contact attorney in my area.
Within a 24 hour span, I will at least 12 calls from Navient or XXXX XXXX XXXX They have taken a step further and mimic numbers that are similar to those in my contacts list. Today, I have had enough and they have actually called someone. DO NOT CALL ANYONE REGARDING SOMETHING THAT IS PRIVATE. THIS SHOWS HOW UNETHICAL YOU ARE. THIS IS TOTALLY UNACCEPTABLE!
XX/XX/XXXX I check my credit report and found out they Quality Acceptance the agency in which I purchase a car loan had not posted all of my payments on the car. The car was stolen the last part of XX/XX/XXXX and was put in an impound by the XXXX XXXX Police Department because the people that stole it we're gaming members and they had committed several robberies in my car so the police have kept it for evidence. 
When the impound called me to pick up the car on XX/XX/XXXX the car was gone Quality Acceptance had repossessing the car when I called they told me because they said I had outstanding payments missed on the car. But they never did call me or send me anything in the mail or even try to contact me on my email and I've always made my payments and so. 
I had made several complaints to your agency about this company in XX/XX/XXXX and you cleared them and I wanted to know what you can do about this complaint
Equifax is reporting the said company " XXXX  XXXX '' on my credit report, which is damaging to my FICO scores. 
Below is what XXXX XXXX replied in response to the original dispute complaint we received from the CFPB. 
( See Sentence # 11 ) XXXX CLOSED THIS ACCOUNT __________________________________________________________ We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information. We have located XXXX accounts for you in our office. XXXX placed an account in our office on XXXX/XXXX/XXXX to collect a balance of {$420.00} on their behalf. On XXXX/XXXX/XXXX, we received your request for validation. The account was placed into a dispute status and collection efforts were suspended. On XXXX/XXXX/XXXX, the documentation for the XXXX account was mailed to you. The account remained in a disputed status. On XXXX/XXXX/XXXX, we received letter from you asking to see something you signed stating you owe XXXX  and money. XXXX XXXX is a third party collection agency, XXXX placed the account with our office to collect the past due balance owed. XXXX CLOSED THIS ACCOUNT in our office and returned to our client, XXXX. We can confirm that we requested our information for this account to be removed from the credit bureaus on XXXX/XXXX/XXXX. Please contact XXXX directly for further assistance regarding that account. On XXXX/XXXX/XXXX, Florida XXXX and XXXX XXXX placed an account in our office to collect a balance of {$110.00} on their behalf. This is the first communication we have received on behalf of this account. We have requested validation of this account to be mailed to the address you provided to the CFPB. The account has been placed into a disputed status and collection efforts have been suspended. We have filed a request of deletion, via the credit bureaus, for removal of all trade line entries from your credit report for the Florida XXXX and XXXX XXXX account. The AUD control # is XXXX. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department for further assistance. Our number is XXXX or you may Email : # XXXXXXXXXXXX ; Kind regards, Compliance Representative at XXXX  XXXX, XXXXad to say about said account : Below is a CFPB response also, Equifax is not acknowledging that XXXX XXXX has supposedly notified Equifax to remove blemish account.
Capital One Auto Finance provided a statement regarding erroneous 30 day lates on my credit report and attached a transaction history of my payments covering the time period in question. 
In their response Capital One states that the purpose of an extension is to keep the account current, catch up on payments and avoid negative impacts on credit. However, on that log, in regards to the XXXX 2012 payment extension ( the payment I needed extended ), Capital One mistakenly entered in that I could get an extension if I paid {$790.00}! This is a gross error because {$790.00} would have made the account current and there would not be any need for a payment extension. For example if someone asks for more time to payback {$100.00} and the XXXX owed replies " Sure, just give me {$100.00} and I 'll give you more time '' that would be deceptive and insincere. 
Similarly, Capital One Auto 's response as demonstrated by their own records is equally unfair and insincere. 
I only needed XXXX 's payment to be extended ( due to a financial hardship ) for my account to be free from any 30 day lates and the extension granted in XXXX 2012 should have happened in XXXX 2012. Capital One made a mistake. 
The proof lies in the transaction record which Capital One Auto Finance provided. 
In XXXX, XXXX, XXXX, XXXX and XXXX 2012 I only made the normal payment required, nothing additional. I had not done anything different since missing the XXXX 2012 payment, yet I was contacted in XXXX 2012 by Capital One and the rep told me that my extension was going to be processed and that I did not have to make any additional payments. Since I had n't made any additional payments, why is it that in XXXX XXXX when my account was a month behind ) I was n't required to pay anything more than XXXX 's payment of {$400.00} but in XXXX I was being required to pay {$790.00}? This again proves my point which is that I only needed XXXX 's payment of {$400.00} to be extended. Also, if I could have paid {$400.00} in XXXX then I would not have needed an extension. Somewhere between XXXX and XXXX, Capital One finally corrected the problem and my account was back in good standing but they penalized me for the error that occurred on their end. The attached statements clearly prove that the Capital One representative who entered the information regarding the XXXX 2012 extension simply made a mistake. The individual from Capital One Auto Finance who provided the attached transaction log, failed to notice and correct the discrepancy. As such my credit report must be immediately corrected and updated by removing the 30 day lates from Capital One Auto Finance on my credit report. The data furnisher has also failed to correct the error within the statute of limitation set forth by law and, according to the FCRA, also constitutes the immediate removal of this errant misreporting. 
Attached is the transaction log which is below the insufficient response from a Capital One representative who clearly ignored the facts evidenced by the records she supplied.
XXXX collection agency went through a third party, without my consent to acquire my new bank information and began drafting {$75.00} out of my account. They withdrawal {$75.00} in XXXX and XXXX of 2018. I never signed, finalized, or spoke with anyone. And their isnt any court orders to do so.
Debt was paid in the amount of {$490.00} to Debt Credit Services for   XXXX   XXXX   XXXX   utility bill.
This is incorrect for one. I 've already disputed this. They took off my record now trying to put it back on. Slimy company trying to make money.