WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX a fraudulent credit card account was opened in my name at Capital One. I learned about this in XXXX XXXX when obtaining a loan for a vehicle for the company I own. This was the first knowledge I had of this, since I had received no statements or other correspondence from Capital One regarding this account. I have been having a mostly one-way correspondence with Capital One ever since through phone calls, faxes and written letters requesting information and investigation. 

When no real information was coming from Capital One, I recently filed a police report and their investigation is currently ongoing. A copy of their report so far is attached. I also finally received requested copies of statements from Capital One - ones I never received in the mail at the outset. Both are attached here. I sent both of these to the XXXX, XXXX XXXX and XXXX yesterday in an effort to clear this fraud from my credit records. I have also requested from Capital One, but not received, a copy of the application for the credit card. 

I continue to get letters from Capital One despite all my correspondence with them, saying that I am responsible for this fraudulent debt. A copy of the most recent is attached here. The attached statements, which took 5 months plus to get from them, show that the whole amount was transacted in one day, in many small increments, from one ATM in XXXX. I have never been to XXXX, I have never used an ATM, and I have spent no small amount of time writing to and in conversations with many different representatives at Capital One. I do n't understand why Capital One has n't considered the circumstances and mode of withdrawal of these funds to be suspicious or possibly fraudulent. See attached letter from Capital One dated XXXX XXXX, XXXX. 
I am filing a complaint against Capital One for tarnishing my credit rating without proper investigation following repeated requests and for their failure to reasonably communicate with me about this incident.
One of my addresses is listed at XXXX XXXX XXXX, XXXX XXXX XXXX. Year it is listred for I was XXXX at XXXX XXXX XXXX in XXXX.
XXXX XXXX  charged off an overdraft account back in XXXX and we got letters from the IRS that we owe the taxes on this amount. We also have Knight Adj Bureau trying to collect this same amount, that has been charged off and again the IRS is sending us statements we owe taxes on this " charged off '' amount. 
I have challenged this credit on my credit report and Knight Adj Bureau will not remove it. 
The charge off was back in XXXX, K.A.B. opened the file on XX/XX/XXXX. 
So how can XXXX XXXX  charge it off, get a tax credit in XXXX and then sell the debt in XXXX? Seems illegal! 
Why do I have to pay taxes on this amount and also be expected to pay the debt as well? 
I have never seen or heard of this and I want it removed from my credit report immediately!
I have advised Portfolio Recovery Associates, LLC that I am not obligated to pay a 3rd party on charged off account. I have asked them to remove my cell phone number XXXX from calling and they continue. 
This company is also reporting on my credit report as 30, 60, 90, 120 past due and the balance is same {$370.00}. I have asked them to remove these late payment marks because I am not within a contract with them only XXXX XXXX, they have refused to. I have my consumer rights and this company has broken them.
Ally Financial calls on an auto dial system, when I answer most of they time there is no one there, I have to wait for someone to answer ( as long as 15 seconds for a response ). If there is an answer it is a prerecorded message stating to wait for a very important message. They have called up to six times in a five hour period leaving three messages to return the call. ln that same five hour time they contacted my references asking for me, not giving me time to respond. I recently set up a deferment with them on a Friday ( made payment agreed upon on that same day ) and that following Monday morning they called me and asked me to make a payment in the full amount that I owed. Three days after that a received another phone call asking about payment. I informed them I was still waiting on the deferment paperwork and I had made the agreed payment and was told they would resend the paperwork. I asked when it was mailed the first time and the person would not give me an answer. He would just state that they would resend. I asked three or four different times and still would n't give me an answer. The crazy thing was that I received some paperwork from them dated the same day that I set up the deferment. But it was not the deferment info. I 'm still waiting on the second round of paperwork they sent and its been two weeks.
This is ANOTHER example, of my statements, the information, JUST BEING SO SO SO SO SO WRONG. 

I want $ XXXX for ALL THE TIME wasted on THIS NONSENSE, the {$2500.00} should pay off the remaining amount that I need to pay DFS XXXX whatever is leftover- XXXX 's just categorize it as time lose, both on my part and from all the different parties that have been contacted by be. 


How can a dispute that was REFUNDED- be claimed as a valid charge? Unacceptable- I can not micromanage this account anymore, {$2500.00} to no longer deal with this headache and for me to end my membership- so DFS no longer has to deal with me.
inaccurate info with breach of Equifax has destroy my credit please take a deep look into this I filed a police report and sent to all bureau involve violates my rights cra and hippa
My customer number is XXXX. I requested a XXXX loan they so just gave me a XXXX loan. I was under the impression because this was during hard times and my dad just passed away that the loan payment would be once a month as normal payments are. But then come to find out they want to {$200.00} each payday XXXX a month. I am single I just had my roommates moved out so I am covering all of the bills on my own I asked if there was a way we could lower my payments since we couldnt make it once a month they said they said no they cant lower them at all nor can they make them once a month. I am single I just had my roommates move out so I am covering all of the bills on my own I asked if there was a way we could lower my payments since we couldnt make it once a month they said they said no they cant lower them at all nor can they make them once a month. As it is {$2600.00} loan inns up costing me almost {$8000.00}. during a time of hardship these people take it vantage of those who are in need of cash when its a hard time and thats a shame but I asked to work with them in some sort of way and they denied every way for me to work with them know they cant do anything they said. So that is why I am contacting you folks my name is XXXX XXXX my phone number is XXXX area code XXXX.
I have confronted Experian with the facts that the accounts included in this complaint are past the statute of limitations to appear on my credit report, and that they should be removed immediately, but they fail to comply with my demands, as they are tied to an out of date, old, not correct address that I used to have more then 10 years ago, which is XXXX XXXX XXXX XXXX, XXXX, XXXX , ND XXXX. I have sent them proof of my current and correct address currently but they fail to comply with removing old addresses from my file, and any old, out of date, closed, paid accounts that are associated with it. I intend to file legal action against Experian for violating my FCRA rights.
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I contacted these companies about the credit inquiries on my report ask them to send me something with my signature or proof I have them permission to run my credit. They still have not sent any information to me. Also I disputed with all three credit bureaus and inquires are still on my report XXXX XXXX XXXX
I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.
I am an exhausted victim of ongoing deception by Ocwen Loan Servicing LLC and the firm presenting themselves as debt collectors on Ocwen 's behalf and claiming to be of counsel. Please advise me on how to hold them accountable for engaging in the following deceptive acts in violation of the consumer protection laws of the Commonwealth of Virginia as well as specific sections of the FDCPA, the CFPB, and the USC : Failure to timely and accurately apply payments to my account Providing false and misleading information regarding the status of my account Providing false and misleading information in response to a complaint Failure to provide accurate and timely information regarding loss mitigation services Failure to properly calculate my eligibility for a HAMP Tier 2 loan modification program Improperly denying loan modification relief after HUD Counselor determined me to be eligible Providing false and misleading reasons for denial of loan modification Using false and misleading documents as part of the foreclosure process ( ie. affidavit, assignment ) Providing confidential information to a third partyIn addition, please provide me with several references who may be able to conduct an audit of my account with Ocwen Loan Servicing LLC and someone with the authority to review my financial statements for lawful consideration of a HAMP Tier 2 Modification. 
Thank you in advance.
I mailed a letter on XX/XX/2018 to verify this debt the company never responded. I mailed another letter XX/XX/2018 I am awaiting a response.
I sent XXXX XXXX XXXX letter to cease and desist calling me. I let them know that I am criticaly ill and living on XXXX XXXX  XXXX and was no longer able to pay on the account and that I was destitute. Also that I was judgment proof and I asked them to stop calling me. That letter was sent certified on XX/XX/XXXX and I got a statement on XX/XX/XXXX and they called me on XX/XX/XXXX at XXXX. And I still ca n't pay them. I have XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and got to have XXXX to get a XXXX taken out. I havery no money to pay nobody.
Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX ****XXXX INQUIRIES XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ****XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ****XXXX  XX/XX/XXXX {$39.00} XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$26.00} XXXX XXXX XXXX. ****XXXX XX/XX/XXXX {$35.00} XXXX XXXX ****XXXX XX/XX/XXXX {$1600.00}
I have a private student loan through Navient ( formerly XXXX XXXX ). I feel this loan was made with predatory intentions. As I entered my final year of undergraduate education at Louisiana XXXX University in XXXX XXXX, I was told there would not be enough funding available and my only option would be a private student loan. ( Had I known how this loan would work I would have used another lender. ) I was referred to XXXX XXXX as it was the largest lender for these types of loans. 

After graduation I decided to continue my education and pursue a XXXX. After being accepted into the program it was another four years until I graduated with a XXXX ( XXXX ). The entire time interest accrued on that original loan at 9.5 %, which I feel is an unfairly high rate considering I had relatively good credit while working part time during college. Again, I needed money to finish school and should have looked for better options. So, now fast forward a year. What I did not realize was that I was only able to receive one year of forbearance on this loan. After graduation I made a series of business loans to start XXXX. My business has grown steadily over the last two years but income is irregular in that I am at the mercy of insurance companies for reimbursement. On some months income wanes and I do not make enough to cover all of my expenses. I called Navient to discuss a short one month forbearance so my credit would not be affected and was told I was no longer eligible and should just skip the payment. I did that and then later was able to catch up. Now we have a a bit of a slow period and I have not been able to make a payment for 4 months. I have spoken with Navient several times and usually were not willing to take anything less than the total amount past due. I spoke with them today and they offered a reduced payment for 15 months but I would need to pay them XXXX dollars by Friday. I do not have an extra XXXX dollars at this time. I was told I would be receiving a letter from their attorney. The person I spoke with liked to raise her voice quit often when I explained that my business and living expenses come first and then if anything is left I could pay the amount they requested. I am very frustrated with this company and have had very rude calls to my home line and my business line. I feel that this loan was originally made in a predatory fashion and I was taken advantage of as countless others have also been victims of this company. My original loan was for XXXX dollars. Now the debt is over XXXX. I have explained to them many times that I intend to pay the debt but they are no longer willing to work with me. Today they threatened me with wage garnishment. My response is that I would then be forced to apply for bankruptcy and attempt to have this debt either discharged in chapter XXXX or reduced in chapter XXXX. I do not want to do that but they may force my hand.
For the second and third time this year, XXXX in XXXX reported attempted fraud by Synchrony Bank. See attachments. I already reported Synchrony to CFPB earlier this year, when it failed to remove the first fraudulent credit report inquiry after repeated contacts. I spoke with Synchrony twice in XXXX. Both times I was told they would mail me a form to sign to have these fraudulent hard pulls removed from my credit reports. Synchrony has again failed to do this.
After sending a letter to XXXX XXXX and getting no response I filed a complaint with the CFPB requesting that the validate NOT verify a debt that they are attempting to collect from me and have yet to receive a response. After disputing the account with Experian, I asked for validation from Experian. I specifically asked for a signed agreement and other supporting documentation. They provided me with a letter stating the account was verified which does not prove that I am responsible for this debt. Neither the credit bureau, nor the collection agency provided me with proper legal validation of the account. They are reporting delinquent information on my credit report that I am asking to be deleted based off the following sections of the FDCPA : 15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- And 15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
XXXX XXXX/XXXX XXXX is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX XXXX/XXXX XXXX   along with a notarized affidavit claiming fraud.XXXX XXXX/XXXX XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX XXXX/XXXX XXXX to close their files which have any information with my name & social on it ...
We have been attempting to get our credit reporting updated to Paid Satisfactorily to XXXX, XXXX   and XXXX.

We are requesting acknowledgment of the payments made and the fact that we were on a forbearance period and paying back. When we accepted the forbearance for hurricane Harvey, we were told no negative reporting would occur. Texas was declared a federal natural disaster area so it made sense to us. Starting XX/XX/2017 we made good faith payments totaling at least {$9300.00}.

We did not request modifications or anything other than XXXX  to accept the payments we were making. We did not sign any documents and did not receive anything in writing. We were told over the phone the payments were applied as necessary and that the rest of the money was building up in a suspense account until we were caught up. We called in and made payments over the phone.

In summary, we paid a lump sum and continued to make large payments to keep the account current. To our knowledge, we were doing everything we were supposed to. The home was sold and the loan paid off in full. This negative reporting is causing extreme distress as we are not able to obtain a new mortgage as a result of this misunderstanding.
I took out this loan a long time ago when I was working on my XXXX degree. I recently about a XXXX ago finished my XXXX Degree. I have a private student loan with Wells Fargo. I explained to them that as of right now the XXXX dollar monthly payment would not be feasible due to unexpected expenses that came up. They offered me a XXXX month forbearance which they went back and forth people telling me different things and I think I received XXXX month forbearance. I asked if there is anyway to get my payment lowered for a while because I definitely want to make my payments but I just ca n't afford what it is set at now. They said no there is nothing that they can do to help me, they can not lower the payment and that I just have to deal with my payment amount and make my payment. I ca n't believe that there is no help for me whatsoever. Is there anyone out there that can help me? Wells Fargo never wants to help you, it is always your fault, I just need it lowered for a while so that way I can make the payments on time. Please let me know if there is any help.
Did what was requested to register for a Freeze on-line. After completing, received notice it did not go through & asked to call. Should have been able to complete on-line - unacceptable!
Sallie Mae has been harassing me since the day my grace period on my loans ended. I have received calls as many as five to ten times a day, and I have discussed how I am unable to make payments due to financial hardships and lack of help from my parents. They refused to work with me, so I stopped answering their calls and changed my number. Eventually, friends and family members expressed their concerns over my loans and told me Sallie Mae kept contacting them about me. Sallie Mae now calls my work, and when my coworkers hang up on them they call back in a rude tone, demanding to talk to me. They have even talked to my Human Resources manager. It is not okay to mix personal issues with work issues.
I am writing this letter in regards to a two issues I have had with Carrington mortgage but primarily due to a recent 30-day late payment. Initially in XX/XX/XXXX I came home from XXXX for vacation. I received several letters saying I was 90 days late on a mortgage payment. Carrington did not process my correct account and routing number to take the automated payment. I called and complained and I was told by the customer rep. that the problem is resolved. Carrington not getting my proper account number then saying I was late was unacceptable. Thankfully this issue was fixed. Then in XX/XX/XXXX I set up an the same auto payment for the same mortgage, with the same system. I double check the account number and the rounting, and their system also have a check system too. When I logged in to set up the auto pay for XX/XX/XXXX, it would not allow me to set up payment for XX/XX/XXXX. I have no idea why. The verbiage was a bit confusing and I thought it was saying that it would take out both payments in XX/XX/XXXX since it would not allow me to set up payment for XX/XX/XXXX. Apparently this was not the case. I just received a 30-day late payment for XX/XX/XXXX. I never got a single phone call regarding the late payment or any paperwork until after the payment was 30 days late. This is a problem I had an XXXX credit score now I have a XXXX. I also had the funds in the account so this was not the issue either. This is a serious problem ; this should be removed from my credit because I clearly have great credit and I always pay my bills. This issue is simply due to a misunderstanding, a auto payment system error and unclear instruction for the payment of XX/XX/XXXX. I am in the process of getting a business loan approved and a home equity line of credit as well. I need this removed from my credit and I need a letter from Carrington saying they authorize its removal so that I can proceed with my loans. XXXX XXXX XXXX XXXXXXXXXXXX XXXX/XXXX/XXXX
I went through the online process to get my credit reports. Ireceived the report from Experian but when I started the processto download the XXXX report, I lost connectivity with the websitewebsite. How do I access my request again. Thanks
I have previously submitted several disputes regarding XXXX XXXX XXXX account number XXXX**** on my credit report. This account is not accurate and should be deleted from violating FCRA reporting policies and for not complying with XXXX XXXX standards which is required by the XXXX. This account does n't even have an Address Identifier Number because it is not accurate and should be off. XXXX and XXXX already deleted this account from my credit report.
Please delete XXXX XXXX from my credit report as my name does not have a y in it. also, delete XXXX XXXX as you spelled my name backwards. I do not want these two names to be confused with someone else.
Please delete the following inaccurate/incorrect addresses : XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX, NY XXXX
I am writing to dispute   XXXX   on credit report number XXXX . The balance listed on the account is incorrect. Please delete the account.
Mortgage was included in a chapter XXXX bankruptcy that was discharged back in XXXX. Now in XXXX of XXXX they filed a Motion for In XXXX Default Judgment for Foreclosure and Order for Foreclosure Sale. Both my ex-husband and I have been out for over a year. I moved out in XXXX of XXXX and he in early XXXX. They keep contacting him, yet when I 've tried contacting them they will not speak w/ me. I 've also attempted to contact their XXXX To no avail he is unwilling to help or disclose much since he is their " legal council ''. I told him nimerous times on our call that we no longer resided in the home and that it has been vacant for well over a year. Now they are attempting to have my ex-husband sign a " Loan Modification '', yet have made no attempt to contact me. My ex husband provided me with the following contact info : XXXX, loan # XXXX, phone # XXXX. Have made several attempts to contact with no success.
I was reported 90 days past due on my student loan, I have never been late. I never received a written communication letting me know there was an issue with my payment. I was under the impression that it is a requirement for the Student Loan Servicing companies to communicate in writing with the borrowers regarding their loans.