WillisBack/dataset-financial-user-claim huggingface dataset:
I had a credit card issued to me from Bank of America. My financial difficulties started when I lost my job and the card was closed. Sometime after while I was on military active duty status - they attempted to contact me. I was not able to respond to their correspondences and the debt was placed on my credit report as a " public record ''. I called the bank to find out if they would take a settlement offer so that the offensive unpaid public record could be changed to paid/settled. The representative XXXX responded that they were not able to collect from me as a XXXX for {$3400.00} was issued to the IRS by BoA in 2011and neither can they remove nor change the balance of {$4000.00} from my credit - a letter was never sent to me advising me of this. Per the IRS website the company should instruct the credit bureaus to remove the debt as a XXXX is a debt cancellation which is reflected as a earning for the debtor and any applicable taxes will be charged. In addition to that, I believe the bank receives a tax write off for these debts.
Well they say they working on this it just seems there trying to delay to make me look bad so they can foreclose they know they can make money from property, And yesterday XX/XX/XXXX man went by snapping pictures of home do n't tell me Wells Fargo is up to something!! We did send another payment in XXXX so I know we are only I behind Buts that 's there fault for hiring Idiots who do not listen!!
In XX/XX/XXXX I enrolled in several classes at XXXX. I ended up having to drop them due to being enrolled in another school, XXXX. The classes at XXXX are accelerated and it would not have made sense to be enrolled at XXXX. I had only enrolled at XXXX while I waited to see if I would be able to go back to XXXX as I am only about 28 hours from graduating with one of my degrees. 

In XX/XX/XXXX when I received the first notification of the debt, I again disputed it with the school and got nowhere. I received letters of debt notice from AMR. I was working for AMR sister company, XXXX, at the same time and as I was in the same building went and personally disputed the debt with XXXX. After I left XXXX, I received another notification of debt to XXXX from AMR and I called to dispute it again. 

Regardless, XXXX intercepted our ( my husband and I ) state tax return for XXXX   for the debt that is owed, a little over {$490.00}. I have been communicating with the bursar 's office since to no avail. Even the email that she sent regarding that I the school claims I didn't drop the one class for which they collected the debt, was not dropped by the due date though others were. 

I had a specific situation occurring, also, at the same time that these classes were dropped and I know that I dropped all of the classes. 2 classes by form and 2 were supposed to have been dropped online, though one didn't and that is the one that they collected for. My son, who was XXXX at the time, had to have comprehensive XXXX XXXX  the same week and his birthday is XX/XX/XXXX. I know what happened because as soon as I realized I couldn't drop the other class online, for whatever reason, I called about it. I also requested money back for a book I had purchased. AND I was in a XXXX  class, not the class they stated I didn't drop. 
I've spoken to the OK Tax Commission and they have said to work with the school. The school is requiring all of this personal information that I do not feel I should have to provide. 

This isn't the first time that this has happened. I am tired of it. I want my money back.
This was not a loan I took out but someone did in my name. I paid it off b/c I was being threatened with lawsuits and arrest. They knew too much information and I work in a position where I couldn't have someone just show up - so decided it was best to pay it off and then figure it out from there. 
I am still getting calls from this number XXXX, from a XXXX XXXX, saying they will be at my place of residence or work tomorrow, XX/XX/18 between the hours of 2-4 and if I can't be found would look for my ford focus. They are claiming to be from XXXX XXXX County Courts and it's part of state statue. I called over to the XXXX XXXX County PD and XXXX XXXX County court and no one with that name works there.
A personal check was made out to me and a XXXX party ( i.e. XXXX AND XXXX ). Bank of America accepted this check with only XXXX signature and deposited it into the XXXX party 's personal bank account.
Student loans dates and amounts as followes Date opened XX/XX/XXXX amount for XXXX Date opened XX/XX/XXXX amount for XXXX Dated opened XX/XX/XXXX for amount XXXX Date opened XX/XX/XXXX for amount XXXX According to section 611 of the fair credit reporting agency act should be Removed immediately I have also checked with my state attorney genral and verified that the statue of limitations for enforcing this type of debt has expired I 'm requesting all these expired items be removed from mr credit report Refer to FCRA section623 ( a ) ( 3 ) { 15 U.S.C. 1681s-2 Delet items from my file
OnXX/XX/2018 I requested that XXXX verify accounts that was appearing on my credit report, ( see attached letter ). On XX/XX/2018 XXXX responded to my request with a letter ( see attached letter ) directing me to contact the credit grantor, XXXX in error is naming XXXX XXXX XXXX XXXX  the grantor of this alleged account.

On XX/XX/2018 I requested a method of verification ( see attached letter ) from XXXX investigation and has not received any information from XXXX alleged investigation, I have also submitted a second request written request to XXXX  in a good faith effort asking for the address and telephone number of the original creditor of this alleged account with XXXX XXXX XXXX XXXX without success.

I have also in a good faith effort contacted XXXX XXXX XXXX XXXX ( see attached validation letter ) to get the contact information to the original creditor of this alleged account, XXXX XXXX XXXX XXXX  only sends a computer generated printout of charges and the creditor as XXXX XXXX XXXX XXXX XXXX XXXX  ( see attached printout ) I have not done any business with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX and if XXXX XXXX XXXX XXXX fail to validate this alleged  account with verifiable documentation that this alleged account belongs to me it should not be on my credit report.
I have never been late on this account until this past month, XXXX 2017. I have had the card for at least 5 years, maybe 7. The payment issue was due to a Capital One system issue where it automatically linked a new checking I 'd opened with their XXXX XXXX group. Upon resetting my autopay, the XXXX checking ( there was little description of what checking account ) was chosen as the payment account verses choosing the XXXX checking that has been linked to the card payments all along. 

The XX/XX/XXXX payment bounced a couple of times. I kept resending it as I was baffled by the return. I called XXXX and nothing was hitting their systems. I called Capital One and after much research ( it was n't clear to them either at first ), we determined the mis-linked account. At this point the payment was not 30 days late and she informed me nothing would be wrong with the account-she even refunded the {$15.00} late fee as a curtesy. I immediately instructed her to debit XXXX for the full card balance that day. The card had a {$0.00} balance ; it now has a negative {$15.00} balance. 

Subsequently the card stopped working, no notice from Capital One. No calls, no emails. I had to call in to work out they 'd cancelled the card! It is a secure card I set up many years ago, so they have my deposit. They also told me I 'd have to re-apply for a card. 

By cancelling the card, Capital One has impacted me in 3 ways : 1 ) Where 's the large deposit plus account balance of - {$15.00} going to go? The chat agent said it would be refunded, but not sure if this is the case. 
2 ) The credit report will read " closed by credit grantor '' which is negative and awful vs " closed by consumer ''. I 'll have to spend my lack of time fighting that now.

3 ) I 've lost one of the oldest lines of credit which helps my FICO and I 've never had a late payment. 

I find this whole experience to be a way for Capital One to quickly secure my deposit for their bottom line and it 's wrong. The lack of communication is flat out incomprehensible.
The full balance was paid in Full for the purchase of a XXXX. The payment was made by check and in one payment. We made it very clear to the lender that we wanted to pay the balance in FULL and have a {$0.00} amount to owe. I received another bill for XXXX the next month. I called and spoke to the account handler through XXXX and they said it was a mistake and would have it removed it was a computer/system mistake that automatically went through and was charged to my account and they had simply failed to remove it, it was a mistake and they would take care of it. I received a bill with XXXX late fees the next month and it kept adding up for 12 plus months. After calling customer service through Bowflex I was informed to send proof of payment in full. I sent XXXX a copy of the transaction from the bank account in which the money was taken out to pay the balance in full, Now this collection company keeps sending me a bill for {$340.00}. I spoke to a lawyer and told me not to pay it, because I had already paid the balance in full and the only other payment amount I could be responsible for would be the one month late fee of {$28.00}. even though the company acknowledged that to be a computer mistake. What can I do to get this taken care of. Thanks XXXX XXXX phone XXXX email : XXXXXXXXXXXX
On XXXX XXXX, 2016 I received an e-mail from XXXX XXXX with a promotion : Earn a {$100.00} Cash Back Bonus with the Upromise XXXX. 
I clicked on the link to that offer and I applied for this offer with Barclaycard on line. For some unknown reason I did not received an immediate approval. Instead I received a letter via XXXX Mail asking me to contact their customer service via telephone in order to verify my information. 
On XXXX XXXX, 2016 I did placed a call to the number listed on the letter : XXXX, and I spoke with XXXX, her operator no. is XXXX. I am a naturalized XXXX citizen of XXXX descent. I do speak with a clear accent. After I answered a number of questions about my identity correctly, XXXX told me that I will have to mail to XXXX a copy front and back of my Social security Card and my Driver License. 
I told XXXX that this is the first time that any back has requested for such information from me and asked her if this is customary for Barclaycard to request from all individuals who apply for a credit card. She told me that this information is requested of me, otherwise I will receive no credit card from Barclaycard. I asked XXXX once again if she requested this exact information to be provided via XXXX Mail from all the individuals who apply for any of their credit cards. She refused to answer that question. I then asked her if my foreigner accent had anything to do with her request to provide Barclaycard with copies of my social security card and driver license. She refused to answer. I then informed her that I feel discriminated against because of my national origin, and that I want to speak with her supervisor. She told me that her supervisor will tell me the same exact thing and I could just chose not to send the information to them and no credit card will be issued to me. I once again insisted that she transfers me over to her supervisor which she finally did. 
The supervisor came on the line after many minutes of waiting. His name was XXXX XXXX and his operator number is XXXX. I told XXXX that I want to lodge a discrimination complaint against his company and the operator I just spoke to due to the fact that I have been singled out to provide additional proof of identity because I speak with a foreigner accent. XXXX denied of that taking place. I asked him also if it is customary for all the individuals who apply on line with Barclaycard to later on send by XXXX Mail copies of the social security card and driver license. he told me " no ''. 
This proves that I have been discriminated against based upon my national origin by the creditcard company. I have excellent credit history, my last credit score was XXXX and I have never been treated so badly by any other bank or credit card company before.
I have submitted cases against Citibank previously since XX/XX/XXXX. Unfortunately Citibank continues to keep disrespecting me, causing my payments to continue, continue and continue.The closed account I 'm paying on is XXXX. 

Since I have a new computer the scanning mechanism is not working yet. Citibank lost XXXX of my fall payments XX/XX/XXXX. I faxed copies of the checks they cashed on XXXX XXXX, XXXX. To date they still have not recovered the lost check ( s ). Citibank and I had reached an agreement to settle the account in now in XXXX XXXX, but due to the lost checks that wo n't happen. 
In XXXX XXXX I had to fax the copies of the checks to the XXXX Investigation Unit. They were not found. Now I was told to contact the Office of the President of Citicorp Credit Services re : the lost XX/XX/XXXX and XXXX XXXX payments which are {$130.00}. I want them out of my life, but Citi continues to keep me dangling. Why Citibank?
The compliant number is XXXX that I have not had a responce on. 
This is not a duplicate, I 'm asking for TransUnion to remove the late payments off XXXX account XXXX. It has been over 7 years from, the delinquency date which is XXXX 2009. I would like the late payments removed from the account, not remove the account as they mite seem to think I 'm asking. They have not respond to the first complaint submitted yet. I 'm sending this so I can spell it out as clearly as I can. I want late payments removed from account..
I leased a Ford vehicle from Ford Motors in XX/XX/XXXX. When my lease expired in XX/XX/XXXX, I had gone over the mileage by about XXXX miles. XXXX ( XXXX ) told me that if I came to their dealership and leased a XXXX ( two hours away from me ), they would do a buyout of the Ford vehicle which would also take care of the extra mileage charge from the Ford. I left the XXXX dealership with a new XXXX XXXX and left the Ford with them. A few months later, I received a statement from Ford but it went to my parents house in another city. They tossed it aside because they knew that I no longer owned a Ford. Finally, after getting a few of these statements, they found that Ford was saying I was delinquent with money owed to them and it was sent to a collections agency. I found out that the money I " owed '' was for going over the mileage with the Ford. I called XXXX while very upset and they assured me that they would take it up with XXXX and that I owed Ford NOTHING because they did a buy out which included that extra mileage. Nowadays, I consistently check my credit score on websites and the derogatory remark from Ford was gone - I thought everything had been taken care of. Today, I tried to get my first time home owner 's mortgage loan and was denied because of a derogatory remark from Ford Motors. This is apparently still on my credit report and I do not owe it. At this point, I do not know what else I can do to have Ford and XXXX correct their mistakes.
DITECH IS HOLDING MY MONEY ILLEGALLY ( REG X ) I refinanced and paid off my mortgage with Ditech on XX/XX/XXXX. Ditech has not issued my escrow impound account refund $ 3,700+ and  they are now out of compliance with Regulation X. 

I was issued an escrow account refund but the check was payable to both myself and my ex-husband. I was required by Ditech to send the check back with my divorce decree so that they could re-issue the check in my name only. Ditech received my check and sent me a letter dated XX/XX/XXXX saying that they would make a decision within 30 days. On XX/XX/XXXX at XXXX XXXX. I called Ditech to find out what the status was I was on the phone for an hour and 9 minutes and XXXX said that they would be escalating my concern and that I should have a refund within 7-10 business days. On XX/XX/XXXX I was on the phone for 52 minutes and told by XXXX that my case was accidentally escalated to a person who was no longer with the company. On XX/XX/XXXX I was on the phone for an hour and a7 minutes with XXXX who said that he would make my case a priority. On XX/XX/XXXX I was on the phone for 43 minutes with XXXX. Each time I was given a different answer about their ability to direct deposit and I even gave my bank routing number and account number to two different individuals. One day they don have the ability to direct deposit then next day I was told that they can. I have made multiple phone calls and spent hours on the phone attempting to get this resolved. I keep getting the run around ... ... ... ... ... ... ... And then finally this morning they admitted it! 

" THE BANKRUPTCY COURTS HAVE THEIR BANK ACCOUNTS FROZEN ''. THEY WERE NOT TRUTH FULL ABOUT THIS ON THE PHONE UNTIL THIS MORNING. The representative told me that they have know this for about a week and a half. Now they tell me that I will get my money as soon as their bank account are unfrozen! They HOPE that is tomorrow XX/XX/XXXX.
There has been a unathorized transactions that occured on my account, I reported this trasaction promply, however the bank did not address this trasaction even though I completed all of the claim forms. I am a victim of fraud and have provided a police report as well. 
XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1500.00} XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1500.00} XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1000.00}
I opened this card for the sole purpose of taking advantage of their 0 % APR 0 % fee balance transfer offer. I was granted a {$5000.00} credit line and initiated a transfer request of 75 %, {$3700.00} on XX/XX/XXXX which posted to my account on XX/XX/XXXX. I was informed it may take up to 5 days for the transfer to reflect on the other card and so I waited but the balance transfer payment from Amex was never reflected on the card it was intended to pay. I contacted Amex on or about XX/XX/XXXX to inquire about this issue and was told I had to take it up with the recieiving card. I called the receiving card, XXXX, and they confirmed no payment was received from Amex on my account. The following week I contacted Amex and informed them of this, I also confirmed they had sent payment to the correct account- which they had. The representative I spoke with put this transaction into dispute. I asked that she cancel the balance transfer and try again. She said they had to have it cleared with their dispute process first. In the following weeks I followed up with Amex each Monday and received no assistance or update on the status of my account. The last contact I had with the company I requested they cancel any pending balance transfer and close my account because at this point the entire goal of the balance transfer was moot and I am fed up with their process. I was then informed I would not be allowed to cancel any transfer and that I didnt know what I was talking about. When I asked to speak with supervisors I was not redirected and given no actionable assistance from the staff. I was informed complaints take up to 6 weeks to resolve, however the complaint was entered in to in the beginning of XX/XX/XXXX and it is now XX/XX/XXXX. I still have no resolution. I now have a revolving balance on a card Im not going to pay because it doesnt reflect a successful balance transfer and Im still paying interest on my XXXX XXXX, which had been the entire motivation in the first place to do a balance transfer. At this point I am going to have the XXXX XXXX paid off If Amex ever gets it together, then Ill be on the hook for money I have requested several times now not be transferred. Additionally the use of 75 % of my available credit with Amex has hurt my credit score. Amexs customer service has failed to put th customer first. I offered to submit statements from my XXXX XXXX  to prove no transfer made it through but they declined. I have received no updates on the status at this point and Im very worried about being responsible for {$3700.00} that I did not spend.
I leased an XXXX in XXXX for 48 months. I have purchased two vehicles since then. But this old lease information keeps reappearing on my credit report. This is an old paid account. This should not report that I still am in possession of this vehicle since XXXX. Please remove the vehicle fro My report. I have not been responsible for or in possession of this car since XXXX. 
Thank you.
Chase advised that they were working on a workout plan with me and during the workout option I was never notified that a foreclosure date was set. Chase representative advised that the workout plan was still in process and that no foreclosure date was set and that they extended the delivery for the documentation until XX/XX/2019. Chase has not been transparent throughout this process and has led me and my family into an ambush. Chase also advised that because of the XXXX that they sent to me a week prior to dissolving the workout plan, that they never mention was in jeopardy of being dissolved, that they had already set the date and left it up to the attorney 's office to notify me regarding this. I never received any notification from neither Chase nor their attorney.
I filed a complaint with the CFPB regarding Amex Served Prepaid Credit Card. I outlined that my identity was stolen and a card was requested in my maiden name. The theft had my SS #, DOB, and other sensitive information. The request was made from an email address that does not belong to me. I contacted Amex Served at ( XXXX ) XXXX where the overseas representatives did not understand the severity of what transpired or handled the identity theft with due diligence. I confirmed my SS #, DOB, etc. and asked to close the account and provide me something in writing that the matter was handled. Since XX/XX/2018, when I called XXXX times and was repeatedly hung up on after asking for confirmation, I never received anything in writing stating the Amex handled the matter. I then submitted a complaint to the CFPB ( CFPB Ref No : XXXX ) and the response I received was alarming! Not only did the Amex agent not address my complaint, they also provided me with the same phone number to close my account after I provide my SS #, DOB, etc.! This is information I provided 6 times on XX/XX/2018, to Amex served while letting them know my identity was stolen! Only to be repeatedly hung up on by overseas representatives! At one point, the representative told me he would send a confirmation to the fake email address where the thief requested a card in my name! Appalling! Not only do they not understand the context of the language they were going to commit additional violations. I want all my calls pulled for pending litigation. The response I received said they could not locate the calls. I do not believe that as each time I called in it said my calls were being recorded.! 
This is my final attempt to have Amex contact me via US representative of legal counsel to address the identity theft. If I do not receive a proper response, I will be seeking legal counsel to pursue any and all legal remedies to correct the actions of American Express Serve for the negligence in handling my identity theft complaint. Please refer to my previous complaint for additional information that occurred during my XXXX phone calls on XX/XX/2018, attempting to have this issue handled. 
I gave birth on XX/XX/2018, and the negligence of Amex has cause me emotion distress during the time I am bonding with my newborn. AGAIN! This is my finally attempt to properly resolve this matter as many FTC violations occurred with regards to identity theft and proper handling of this matter. If I do not receive a call or confirmation in writing by a UNITED STATES representative ( someone in a supervisory capacity or from Amexs legal office ) stating that my identity theft has been address and providing me with the information that was used to open an account in my name ) I WILL SEEK LEGAL ACTION!