WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX, CA - XXXX XXXX/XXXX/XXXX Capital One XXXX XXXX XXXX, XXXX, VA XXXX RE : CFPB CASE # XXXX - Respond not a Fair Enough Capital One Account # XXXX Dear Capital One, I am not happy your response which I received and I feel like your bank treated me very unprofessionally and I feel like always discrimination. 
Your Bank approved XXXX/XXXX/XXXX removed XXXX late payment all major credit agencies .I have a evidence response from XXXX . ( I attached hard copy your reference ) Response ( XXXX CFPB Case number : XXXX ) We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX/XXXX/XXXX, we initiated an investigation with Capital One # XXXXand they removed the late payment reporting XXXX. However, we received another request on XXXX/XXXX/XXXX to investigate Capital One # XXXX. In response, they re-added the late payment for XXXX. After reviewing the activity on your file, along with the information in our data base, we have removed the late payment reporting XXXX and taken precautionary measure to prevent the late payment from reporting in the future. You may wish to contact Capital One directly to ensure the account is reporting accurately in their database. 

On XXXX XXXX XXXX Completely deleted on my credit file. 
After seen my XXXX report still remains late payments XX/XX/XXXX.on XXXX XXXX XXXX I requested to removed that late payment XXXX via CFPB ( case # XXXX ) .your bank response was they accurate information reported. ( Response attached ) So after that your bank reported to re -added on XXXX my credit file on XXXX can clearly understood your bank treated me very different way and this is discrimination. 
XXXX already deleted and in future no more late payment on XXXX. So why your bank not help me out to delete XXXX late payment XXXX Please consider all facts and due to maintain good XXXX accounts capital one ( Last XXXX # XXXX / XXXX ) Please removed XXXX late payment XXXX account number ending XXXX. 

Really Appreciated Thanks XXXX XXXX XXXX XXXX
XXXX XXXX an ambulance in XXXX Arizona has submitted a bill after 3 years. A medical bill I never took an ambulance, the statute has expired for any responsibility. Basically, the company is picking addresses and sending bills after 3 years, get a clue. This bill is not mine. Aggressive collection action has ensued.
URGENT VIOLATION OF THE CALIFORNIA HOME OWNER BILL OF RIGHTS WITH A PENDING FORECLOSURE SALE DATE OF XX/XX/XXXX, FAST APPROACHING THAT MUST BE STOPPED. XXXX XXXX among others at Bank of America have been assisting in putting together a compete package to finish a loan modification. There were only two things that were left to complete the file per XXXX XXXX request 1 ).  XX/XX/2017  tax return 2 ). Current quarterly profit and loss. As of XX/XX/XXXX XXXX XXXX, the final two documents were received by Bank of America 's  borrower portal system, with verbal confirmation from live agents. I left a message and sent an email to XXXX asking for an update and have not heard back. Today, I spoke to XXXX and he says that " YES '' All financial documents were received and are being reviewed by underwriting. XXXX said that the Bank would NOT request the FORECLOSURE SALE be stoped until Underwriting made a decision on the documents, however he did not know when that would be. XXXX is specific about not DUAL TRACKING a foreclosure sale and a complete loan modification package, THIS IS BEING VIOLATED. PLEASE forward this request to THE EXECUTIVE TEAM AT BANK OF AMERICA and request they order TRUSTEE CORPS to stop the sale NOW! ALL documents are being reviewed by UNDERWRITING and they need time to decide. URGENT!!!! THANK YOU
The XXXX XXXX account on my credit report shows inconsistencies. I 've made several attempts to address this matter and have been unsuccessful. Though I do have a late payment, TransUnion is reporting other late payments.
Bank of America closed my account even though I notified them back in XXXX XXXX that I am a victim of id theft which I have proof of but they told me they did not need it. I have a few accounts on my credit reports that are not mine. I had this card for 15 years and I always try to have contact with them. In XXXX XXXX and late XXXX Bank of America 's credit analysis did not post my payment in a timely manner, it states they wanted funds availability even though I let customer service know that I was making XXXX payments on my account. The credit analysis department claimed the amount was suspicious and they had to call my bank even though I did not bounce a check with them at that point. This also happened in XXXX also claiming funds availability even though I did not bounce a check with them. I did complain about it to Bank of America but they claimed that I was lying. I called customer service and they did not know why my payment was credited properly, they told me to contact the credit analysis department which I did. I just received a letter yesterday dated XXXX/XXXX/XXXX they are closing the account. I am a victim of identity theft which is why my credit score is XXXX, my score used to be XXXX. I have told Bank of America about this twice, I need my credit reopened because it will affect my score. Bank of America was notified by me and I offered to send proof but refused. It would be different if I never talked to them about it. My credit report is not an accurate way to determine whether or not I pay my bills at this point due to identity theft which can take up to 2 years to solve.I want all negative marks removed because they were notified of the id theft but ignored it.
I requested many times before Experian to investigate Fraudulent claims, Re-aged, deleted items in my Credit Report, but Experian refused to do it using excuses such as, " my info do n't match '' " i have to prove the accuracy of my personal info '' ; ( XXXX & XXXX never used similar excuses and completed the investigations i requested them to do ). Experian refused even to mail me my Annual Free Credit Report using similar excuses, but they were willing to mail me or download my Credit Report for a fee of {$7.00}. As if is n't enough that Experian reports wrong items in XXXX % of Consumer 's Credit Reports, it seems that Experian do n't obey CRA 's Laws, plus maximizing their profits by reporting Fictitious Negative items which are sold to many Companies for a high fee ( positive items make XXXX money ), and acting as XXXX. FTC & CFPB never took any action against Experian or any Credit Agency who create many problems to consumers ; Are they perfect? Maybe that 's why they XXXX.
I submitted a PSLF application online directly to XXXX XXXX and received a letter indicating that my request for public service loan forgiveness was not approved because I did not have enough qualifying payments. I sent several requests to be reconsidered for loan forgiveness through the TEPSLF program and received the same email indicated that my request for TEPSLF would not be evaluated because I did not submitt an PSLF application. When I called the number provided to XXXX   XXXX XXXX I was told that I was not eligible for forgiveness because I didn't have enought payments. They did not answer my question as to why I received emails indicating that my request for reevaluation through TEPSLF was denied because I did not submit an application. My original loans were Federal Direct Stafford Loans disbursed in XXXX through XXXX. I have worked full-time for approved non-profit organizations since XXXX and have consistently been on an income contingent payment plan throughout the past 11 years to different providers who have held my loans including the XXXX XXXX XXXX XXXX, XXXX/XXXX, and most recently, XXXX  XXXX. My calculations indicate that I am well beyond the 10 year/120 payments needed for loan forgiveness, however, only payments made after XXXX are being counted towards eligibility. In XXXX, i was advised by XXXX ( now XXXX ) that to be eligible for student loan forgiveness I needed to consolidate my loans with them. This information was incorrect because my loans were originally direct Stafford loans held by the now defunct XXXX XXXX XXXX XXXX and under PSLF were in fact eligible. I am now being denied because all payments made prior to XXXX XXXX do not qualify. My complaint is against XXXX XXXX for not even taking the time to communicate a valid response to me a reason why my request for TEPSLF consideration was being denied. In addition, I believe the current servicer of my loan should not be the same entity that evaluates and processes student loan forgiveness. Isn't this a conflict of interest? As long as they hold my loans they continue to benefit from the interest. In addition, this company refused to let me speak to an individual in the dept. responsible for reviewing PSLF or TEPSLF requests.
The university double charged for the same courses and applied to credit account. without communication to allow for default or forbears.
I am contacting you today, XXXX XXXX 2015 for the second time after not hearing back from you on XXXX XXXX as you stated in your response phone message to my first complaint. Please remove the XXXX XXXX account from my Transunion credit report as it has been closed and is reported closed on the XXXX credit report. 
Please respond immediately!
I have a letter from Ditech Financial LLC, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. The letter offers me a settlement opportunity. I have searched through my records and it appears to me that this debt was bought from XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. This account was paid in full in XXXX 2004. I am perplexed as to why Ditech has this when it was paid. My distress at the moment is that it is a negative item on my credit record and I have tried to explain to the company and the credit bureau that this is a mistake and I want it removed from my credit record but I have not gotten any cooperation. 
The statute of limitations on debts is 4 years in Texas. This should not be on my credit record.
Loan number :  XXXX  Mortgage company :  Specialized Loan Service ( SLS ) B ought this property in  XXXX   2014  at {>= $1,000,000} ( with PMI ). 15 year fixed and I made some additional payment ( now, the outstanding principal is {$340000.00 } ( lo w to value ratio is below 78 % ). I sent every required doc to SLS and asked them to cancel PMI. They did another round  appraiser ( Broker Price Option, BPO ) and rejected my application. The reason is that they gave an estimated value of {$420000.00}. What they did is ridiculous : they compared my home with recent sal es with much smaller size and lower selling price. If they compared with similar model, no hom e ( same model as mine ) was sold below {$460000.00}. It is simply unfair comparison. Any one has basic  statistic training knows the the importance of picking right sample.     Plus,  XXXX  estimate for my home is around {$530000.00}. Even thou gh it may overestimates, I can not believe they came with this number.
I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called Enhanced Recovery Company. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. Enhanced Recovery Company added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by Enhanced Recovery Company incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.
Currently all three credit agencies XXXX, transunion, and XXXX   have on my account that I have had a real estate foreclosure. This is incorrect as I still own this property and the bank has not been able to successfully foreclose threw court. The mortgage has a lot of issues and is currently in legal proceedings. I find it that reporting I have a forecloser is purposely damaging my credit report. They have been asked to remove this from my report. Until they receive court documents from the state hawaii that verify in fact that this property has been foreclosed on this should not be on my record or listed as a forecloser. The court has not made a decision on this matter since being in court since XXXX till current. It is not the credit reporting agencies right to report false information due to the request of a third party and has for the last couple years adversely effected my credit score and credit decision and has cause damage to my credit worthiness. This matter has been brought before and asked to be removed and hasn't. This mortgage debit is also over seven years old and payment hasn't been made since XXXX due to banks failure to provide information on who payments where being made to and other issues outside of a credit reporting agencies business of reporting credit related items. This violates credit fairness and truth. That a third party having nothing to do with the mortgage and loan was allowed to make this request and it be included on my report.
XXXX XXXX XXXX is reporting false information on my files. This is not my debt and i have requested verification and validation and they still have not sent me the verification.
I sold my truck after having XXXX put a new engine in my vehicle.A week later the engine light turned back on. This should have been my red flag to disassociate myself from the XXXX brand. With my XXXX  issues, I decided to lease a vehicle to prevent maintenance issues and concentrate on my health. 
After a year of having the vehicle, XXXX mails me a statement requesting approx. {$900.00} which includes a monthly payment and two years of personal property taxes and they sent another statement from the City of XXXX stating I should pay this bill. Not only did they send me a bill but they also charged my account. As a result, I sent a payment to the City of XXXX only to have them return those funds. Once again, not feeling well I just wanted to satisfy the debt because I had never been late with car payments or tax payments. I had to pay personal property for the car I sold so why am I paying for the entire year of 2016 when I took possession of the vehicle in XXXX. Why isnt that prorated? 
Why is this company gathering all personal property taxes and sending it to me? I am financially drained ; hence why I leased a vehicle. This is my first and last time leasing a vehicle at least with XXXX. This has been a very stressful experience. Once this lease is over I will never step on a XXXX lot ever again.
I was contacted yesterday XX/XX/XXXX on my business phone from a debt collector XXXX ( XXXX ) at XXXX I spoke with XXXX in legal dept after XXXX called my business phone and left a message saying that I had a legal claim against me. I called XXXX back and she put me through to XXXX. XXXX advised me that there was a debt owed to Providian bank in my previous name that I have not held in XXXX years. He stated they were perusing a law suit in XXXX XXXX against me for {$4000.00} for a credit card that had a date of first delinquency XXXX and was charged off in XX/XX/XXXX. I have no knowledge of this debt. He stated that he had sent a letter to my home in XXXX offering to settle the amount for {$1800.00}. I advised him this was not my debt and told him it was likely my ex husbands debt. He gave me my ex husbands name and said he had been contacted but had bad credit so there was no point in them going after him and that I had good credit which is why they are coming after me for this debt. He then told me he was not getting into a finger pointing session and told me they were going to take me to court get a judgement and garnish my wages. He told me they were already verifying my employment so that they could do this. I became very upset. I told him I needed to gather information about this and I would call him back. I called back and he was unavailable. I asked him to provide me with a copy of my signature on the original credit application, copies of the statements with my signature and where the purchases were made. I asked for the case number and everything he told me on the phone to be put in writing. He called back and asked me to return his call, which I did. At that time I recorded the conversation and advised him of such he became hostile and said I did not have his permission to record him. He also told me he refused to provide me with any information on the debt, I had XXXX years to clear this up and they were moving forward. I advised him if they took out a lawsuit I would counter sue them, he hung up on me. 

I was harassed at my business, threatened with legal action if I didnt pay the debt right away.
XXXX national Services keep bothering about a Bankruptcy. They have to know that U.S.Bankruptcy Court XXXX District of New York closed this case # XXXX.By law I do n't owe any money. 
Now I 'm trying to rebuild my credit.
Hello, Mitsubishi motors is reporting an account that is a paid charge-off that is NOT MINE to XXXX. It is someone with a similar name not me. I called Mitsubish several times and they advised it was not my account but that I needed to dispute it with the credit bureaus.

I informed them they were the ones reporting the mistake and they needed to fix it and they were very rude and told me to send them something in writing. I faxed a letter to Mitsubishi on XX/XX/XXXX stating the account number and it was not my account. I also faxed a letter to XXXX on XX/XX/XXXX with the information and they initialed a dispute with Mitsubishi and it came back that Mitsubishi VERIFIED the item! I called Mitsubishi on XX/XX/XXXX and they advised the account was not mine and notified XXXX on XX/XX/XXXX electronically that this account was not mine. I then called XXXX on the same day XX/XX/XXXX and they stated the Mitsubishi verified the item as accurate and placed yet another dispute for the item not being mine.

This has caused me many hours of frustration and financial hardship as I am being denied loans because of this error! The account number is XXXX and it is someone with a similar name. My social is XXXX and dob XX/XX/XXXX.

I need this account removed from being reported to XXXX as it is not my account! Mitsubishi has advised that it is not mine but they are still verifying the item as accurate with the credit bureaus and telling me on the phone they are notifying the bureaus it is not mine! Please fix this!
During a home refinancing program for veterans, they reported my loan as being late. I was not late, paid mortgage payments as scheduled ... .. while the paperwork was being processed for loan modification period. Wells Fargo sent a letter telling me I was approved and when my payments would resume. I was not late making payments during the process of them refinancing the loan. The dates in question where during the home modification process ....
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX PH : XXXX PH : XXXX EM : XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX Date of Birth XXXX/XXXX/XXXX SS # : XXXX TO : XXXX Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX, I received another email from Bank of America XXXX XXXX, XXXX in my XXXXXXXXXXXX email that included a PDF file titled XXXX. That was addressed to an unknown person XXXX and unknown school related extention XXXX 

As well, shown in my XXXXXXXXXXXX email accounts online, both XXXX and XXXX XXXX XXXX 's on my cellphone ; yet still did n't appear in my name in. Nor did I find any current or past emails from Bank of America in my XXXX XXXX account today ; which were deleted without my permission. I do n't have and have n't ever had a Checking, Savings nor Credit Cards from Bank of America, nor any Business related Accounts. I created both my XXXX and Email Email Accounts years prior to moving here to Georgia in XXXX. I have n't ever given anyone the passwords to any of my email accounts nor any of my other online or offline accounts. None of my accootherwere, are nor have ever been shared accounts. 
From : Bank of America XXXXXXXXXXXX To : Recipients XXXXXXXXXXXX Date : XXXX XXXX, XXXX, XXXX AM Thank you, XXXX XXXX
Trans Union offered me a credit monitoring program and I religiously monitor it do to the persistent ID Theft that has plagued me for the past 3 years. In viewing my most recent report Trans Union listed a Collection account sinking my score, It is fraudulent yet they wo n't list the name of the company. They also reinserted XXXX FRAUDULENT INQUIRIES into my report and sent me a hard copy of apparently XXXX separate files. This is a clear violation of FACTA, and Federal Law. I have resent them XXXX, the XXXX Police Reports, FTC ID Theft packet, XXXX Inspector REPORT, and copy of my identity to request an update to my fraud alert phone number to remain vigilant of updating. 
The mere fact they have placed a fraudulent debt collection account on my report and reinsertion of XXXX prior deleted Inquires that I protested through many avenues, the last is going to be legal, dealing with there repeated obstructs is tiresome and I am tireI want them investigated and am attaching a copy of the most recent Trans Union report along with Police affidavit and FTC ID Theft Packet, I also today contacted the XXXX, and XXXX along with the FTC and XXXX of there dereliction of duty.
There is a XXXX XXXX account which is being reported as a Negative account on My Experian report. I called XXXX XXXX and was told the account was closed back in 2012. I can not fathom why it is being reported negative if it 's closed. I went to my bank, to apply for a Personal loan, and was denied because of that account being Negative on my report. Is there anyway, something could be done to have it removed. It has left me in a bad place, not being able to apply and get a loan. 
Thanking you in Advance for any assistance rendered.
I am so frustrated right now. I only get paid XXXX and believe me, it 's not a lot. On my XXXX check I made a payment for my nephew thinking that I was okay. I forgot that I had sent out some packages through XXXX. Well I ended up going overdrawn, not by a lot. Well XXXX tried to do these small charges ( {$2.00} - {$3.00} ) several times and I did n't have enough in my account. Well they were trying every couple of days and the bank was charging me {$35.00} for every XXXX. When I checked my balance Saturday it was {$1200.00} overdrawn, I was flabbergasted. So I added up the charges and it came to {$1200.00}, so that means that I was {$8.00} overdrawn. I 've been on the phone so many times and after talking to several different people they credited me {$250.00} so they could get it under {$1000.00}. I understand that I was overdrawn and should be penalized but the charges seem a little absurd. I do n't know if you can do anything for me, but I am on Social Security and I really ca n't afford it. Thank you for your time. 


Sent from XXXX XXXX XXXX XXXX
I am a victim of identity theft, however I can not see what my social security number has been used for as I can not access my own credit report. I discovered that I was a victim though a background check that my employer conducted. 
I can not file a Identity Theft report at identitytheft.gov because I can not get my credit report. The only option available to me is to send an application by mail, which is time consuming considering the pressing nature of my situation.