WillisBack/dataset-financial-user-claim huggingface dataset:
I transferred part of TD Bank balance to XXXX credit card, the transaction date was on XXXX/XXXX/15 however my TD card did n't reflecting the transferred amount on my balance until the time i wrote this message, i contacted them several times, they keep telling me that the trans action may take several weeks to be processed, i think there is no justification on what they are trying to do other than charging me as much as they can on amounts i awe them and it is a good example of unfair treatment from big organization toward a little consumer.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to : *promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you.
There are 3 loans reporting on my credit report in the amount XXXX, XXXX and XXXX. They are reporting 90 days late when these loans were suppose to have been in deferment. Ive spoken to several representatives about this issue and nothing has been done about this inaccurate information being reported on my credit file.
HARD INQUIRY __________________________________________________________________ XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX CONTACTED COMPANY, THEY SEE THE INQUIRY AND IT SHOWS AS STAND BY ( NO ACTION MADE AFTER THE ATTEMPT OF OPENING AN ACCOUNT ) ACCOUNT WAS NEVER OPENED. BUT IT IS STILL ON MY CREDIT REPORT FROM XXXX   AND TRANSUNION _________________________________________________________________ XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SAID THAT IT SYSTEM CAUGHT IT AS POTENTIAL FRAUD AND CANCELLED IT BUT IT IS STILL ON MY CREDIT REPORT FROM XXXX
Capital One continues to report inaccurate information on my credit report for account with capital one account XXXX. 1. This is a charged of account from XX/XX/XXXX it should no longer be being reported. 2. I requested you verify the account information several times, and Capital One has failed to investigate properly within the XXXX time period. 3. The account was sold to another lender, there should be a {$0.00} balance once account has been sold to another lender. 4.Please remove account from my credit report immediately as it past the statue of limitations on which you are able to report. In addition you continue to report inaccurate account information and have failed to provide me with valid account information. Remove account from my credit report or I will seek legal action. Attached is proof that the account has been sold to a collection agency, there should be a {$0.00} on capital one 's file due to the fact account was sold and no longer collectable by Capital one.
XXXX and XXXX XXXX ( SSN : XXXX and XXXX ) are disputing with Wells Fargo ( " WF '' ), XXXX ( " XXXX '' ) and XXXX ( " XXXX '' ) since Wells Fargo is listing an " uncollectable '' item number : XXXX with a balance ( see attached ) XXXX ) As per the attached settlement document, WF agreed that the XXXX loan is " uncollectable ''. 
2 ) The court case of XXXX states that showing a balance is a form of collection activity. 
3 ) We notified both XXXX and XXXX as well as WF about the balance and the court case of XXXX, but they continue to verify the balance ( reference credit report ) as accurate. 
4 ) We have included proof of letters mailed to XXXX, XXXX and Wells Fargo as well as their replies ( see attached ) XXXX ) All we are asking for is for WF account to show a XXXX balance for this joint WF account.
I am the administrator of an Estate, and am trying to close out multiple accounts with Bank of America so that the funds can be transferred to the Estate. I first went into a local Bank of America and provided the bank with the necessary documents to close out the account on XX/XX/XXXX. We were told that we had to use the Bank 's letter of instruction to close out the account, which we first requested on XX/XX/XXXX. When it was not received, we requested it again on XX/XX/XXXX. When the form was finally received, we filled it out and promptly returned it. Additional documentation was requested by Bank of America, the last of which was provided by fax on XX/XX/XXXX. When we checked in, we were told that the information was uploaded on XX/XX/XXXX and appeared to be in process. When we called today, XX/XX/XXXX, we were informed that information that we have provided has still not been reviewed, and that even with an  escalation request, we can not expect any movement on the processing of the funds for another 5-7 days. It is now over nine weeks since we first requested that the funds be provided to the Estate, with no clear expectation of when we can expect that the money will be received. The Estate has bills that need to be paid, and can not do so because of the significant delay in the release of the funds to the Estate.
I sent in a payment for XXXX 2016 monthly mortgage, ( principle and interest ) check # XXXX for the amount of XXXX and an escrow payment check # XXXX for the amount of XXXX, XXXX of which were cashed by Wells Fargo on XXXX the XXXX XXXX. My monthly mortgage amount is XXXX which matches the amount of the Mortgage Check, however WF did not apply my mortgage according to the monthly statements dated XXXX XXXX, XXXX XXXX, ( please review attachments ) but sent it to an undisclosed application. Also the amounts of what they move to this unapplied funds changed within each statement with no clear total of how much is in the manufactured " unapplied funds accounts '' Wells did apply the escrow check to the escrow account. In addition to these XXXX XXXX payments, I made an additional XXXX ACH payment to Wells also on XXXX XXXX XXXX, this is because they also withheld the previous month 's payment and demanded more money. 
I have yet to receive a year end statement for year ending XXXX as required under law. The closest I got to it was some worksheets that Wells used to correct the previous miss applied funds in XXXX XXXX. In addition, Wells keeps referring to " my contract agreement ''. My Loan is a VA loan and the terms of that loan were determined by the XXXX. I have complied with those terms fully and have never missed a payment. I have satisfied both the monthly mortgage account and my escrow account, since the inception of this VA loan in XXXX. However Wells has pirated my accounts ( both mortgage and escrow ), and have not followed policy and is some cases law, ( i.e. they gave me XXXX escrow analysis in XXXX 3 months apart and they also misapplied funds in XXXX XXXX and then in XXXX issued statements where there were shown to take money from my principle and apply it to interest ) and consistently move my payments around to meet the funds they wish to raise manufacturing what they describe in threatening letters to me as delinquent and pre-foreclosure, none of which is accurate. To reiterate, since XXXX I have never missed a VA mortgage payment, or insurance/tax payment ( escrow ) and have fully complied with the terms if my VA loan agreement, whose customer I am. My association with Wells Fargo is that they bought the loan from the VA, but I never went to WF as a customer, and would not have. This means that we are associated because they brought the loan, hence we are associates, and I am not their customer and do n't purchase Wells Fargo 's products, just for the record, other than this VA loan we have no other relationship.
I have been faithfully been paying {$220.00} toward my private student loan of {$35000.00} and Navient turned around called me today and increased my payment to {$480.00}. I asked them about doing some type of repayment plan with a less amount for a longer period and they said it was nothing they could do about it. I am a single mother of XXXX children ( XXXX ) which I can hardly buy food or pay rent in the XXXX bedroom aprtment we live in now. I am a XXXX and work night shifts and it is affecting my health, rushing home to get my children up, fed and ready for school. I ca n't even go over homework with them and they fall behind due to my schedule trying to make money to pay back all this school debt which is {$150000.00}. I need help and nobody can seem to provide relief for me. It 's not fair to my children that I can not be there for them. I went to XXXX University and graduated and successfully have a career in XXXX as an XXXX but XXXX knows if I could pay all this school loan debt I would but this is taxing on my life, my children, and my health. I need HELP! If you can provide me with help or someone to contact please call me XXXX I ca n't take this anymore. My Aunt cosigned for me to get this loan so that I could continue my education to become a XXXX and I do n't want to let her down by going in default. Please, please help!!
I entered into a loan rehabilitation program back in XX/XX/XXXX. I did not complete the program so I called to re enroll in XX/XX/XXXX/XX/XX/XXXX. I submitted documents but did not receive confirmation the documents were submitted. I do see online it says as of XX/XX/XXXX I was re-entered into the rehabilitation program and that my first payment is due on XX/XX/XXXX. I would like the follow questions answered : 1. Am I enrolled into the loan rehabilitation program?

2. After completing 9 monthly payments will my loan be out of default?

3. Was all of the necessary documentation received.

4. If not, what else is needed from me in order to complete the process for loan rehabilitation?

5. Is my first payment for the rehabilitation due on XX/XX/XXXX in the amount of {$5.00}?
I submitted a loan modification package and then once I found out that I was denied I appealed. I was never sent denial letter initially. Wells Fargo then attempted to proceed to sale but my attorney wrote them a letter an started the appeal process. Once the process began Wells Fargo requested a list of documents to verify income. All of the documents were faxed within the 8 days before sale with most of the documents faxed 12-15 days before sale. The last document did not go through on Wells Fargo 's fax and was refaxed on XX/XX/XXXX. Wells Fargo requested this documents which is evidence of support payments between the borrowers but it is an unnecessary document because Wells Fargo is considering all of the borrower 's income. The bank required the submission of proof of self employment income from the borrower that was making the support payments. In addition in the reinstatement interview it was never asked nor represented that the borrower and spouse are not currently living together. The support payments are not from an outside source and all the income in the household was presented. Wells Fargo has a full package and they had it timely and they are refusing to review the package for a modification. Wells Fargo is requiring unnecessary documents and is not complying with Regulation X with regard to my loan
on the day XXXX XXXX 2016 I got a call from a collection agency XXXX XXXX XXXX account number XXXX reporting that they had applied for a loan with my personal information in XXXX. and I have not traveled to this state. So my identity was stolen and being used in the United States where I do not live. I live in XXXX XXXX and all my credit transsaccion is in XXXX. requested to be informed other credit companies. by I NOT authorize any transsaccion without my consent. This is my cel. phone number XXXX for other question. Additional need to change the address of Florida. I have not provided any US address of any company of credit report. My only residence is in XXXX XXXX. This is the number of complaint reported to the police of XXXX XXXX XXXX
I contacted the the loan company, mariner finance in XXXX of 2015, and told them the reason why I was behind on XXXX payments was because I was having financial difficulty and that my wife and I are XXXX. I also told them that I would try and pay in XXXX. The woman I had spoke to on the phone said that if i was not going to pay that they would have to file a suit against me, after I had already told her that I would try and pay in XXXX. I then replied to her to do what she had to do, then she rudely hung up on me. since then there has been non stop phone calls by them trying to get a hold of me. They also had someone go to my house with an envelope saying please call us. In the envelope there was one of their cards.
I called southern management systems to try to reach a settlement. I told him the most I could afford and he laughed in my face even though it was for over 1/2 of the amount due. He got very belligerent and said I was going to make you an offer but because you yelled at me which I never did he said he would n't help me at all. I feel like the debt should be paid because they refused money.
I had my {$490.00} payment on auto withdrawal from my account every month on the XXXX. Unfortunately, this setup only lasts for one year increments for some reason. I called Navient last month to tell them to keep my payments on the XXXX of every month because that worked for me. I just happened to check my bank account this morning and saw the payment came out on the XXXX instead. It 's my understanding that it 's illegal to withdraw an unauthorized debit from an account. I called Navient and they said they would n't have done that and will be reviewing the tapes and get back to me. I know for a fact I asked to keep my payments on the XXXX of every month because that works for me. Now I need to find another way to make rent this month because my NEXT paycheck should be going towards my student loans.
QCS has repeatedly threatened to submit my debt to the district attorney if I do not find funds immediately. I was not even allowed to wait for their demands in writing. They attempt to damage your livelihood if they are not paid immediately. XXXX tactics and speak to you as if you are a XXXX human being with no respect.
I called 3 credit bureaus to remove negative report from my public record but they didn’t respond me it shoes bankruptcy on my public recort on my credit report back in 2014 they told me they gonna remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house it’s hurting me can’t go forward to grow upThanks
I XX/XX/2018 I purchased furniture from XXXX XXXX. The furniture was put on my XXXX synchrony bank credit card and the rest of the amount which was the delivery and the tax was put on my XXXXl XXXX card my XXXX XXXX XXXX. I started thinking about it and called the merchant and called the credit card companies to find out that I am being charged right now for those items Im being charged for the delivery and the tax charged for the items when I do not have the items in my possession because they are on back order and I will probably not get them for two months. I would like to know how this is a legal procedure for a company to do and for credit card companies to approve this type of transaction when a consumer is charge for an item that they do not even have in their possession it has not been delivered to me yet and therefore I am not only paying for the item by am paying the tax and the delivery charge on an item that has not even been delivered to me and will not be delivered for two months I want to report this ass consumer fraud because I dont know what else to call it and I dont know what else to do about it.
We refinanced our home through a mortgage broker. It was underwritten by a major institution ( XXXX XXXX ) but immediately sold to Fannie Mae and then to Seneca Mortgage Servicing, within a week. This place is a nightmare ; almost every online comment about them is maximally negative, but because they buy loans consumers have no choice about being stuck with them. 

1 ) They claim to have sent payment information in the mail but we do n't have it. They called my cell while I was at work, but were unwilling to send the information via email - they insisted I call them back. 

2 ) The biggest issue is that their contact number, XXXX XXXX XXXX, has a nonfunctional robot answering it. Regardless what one enters, it just restarts its instructions a couple of times and then hangs up. So I ca n't contact them to get the information I need to pay them.
Ms. XXXX XXXX called me at XXXX XXXX central time in the morning and did not verified the person for the debt. I asked for your her information and her to call here anymore. This practice is unacceptable and should not be tolerated.The company is Portfolio Recovery and the telephone is area code XXXX. Thank You
Equifax keeps telling me this is " verified ''. It is a judgment that never went into court and never happened. The judgment, as per Equifax is " pending '' and is dated XX/XX/2009. Case # XXXX. I have been in touch with the clerk of the court. IT DOES NOT EXIST!! This is reporting illegally and causing me financial harm!!
Transunion is reporting my credit limit is {$600.00} I disputed it with them because my credit limit is {$1000.00} they still have not fixed it. My balance is {$620.00} so it looks like Im over my credit limit which Im not.i am uploading a letter I requested from XXXX as proof of what my credit limit is.
The account was paid .... however prior to paying I agreed to pay balance in full provided negative information be removed. Information is still showing on my credit report. The information listed on my credit report is too vague/ not adequate information to be reported as well. 

Tax Lien -- -- {$690.00} Public Record Details Reference Number XXXX Date Filed XXXX XXXX, 2011 Date -- Status -- Amount {$690.00} Classification -- Type State
I was charged a late fee of {$8.00} but I never received the bill, I always pay my bill on time
I am a victim of identity theft. The following credit inquiry on my Trans Union, XXXX  and XXXX credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/18. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. The following phone number is not mine no more : XXXX
Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one being Portfolio Recovery. As you questioned, yes Ive attempted to rectify the issue on my own by 1 ) requested validation via the credit reporting agencies directly on XX/XX/XXXX ... the  responses I received were verified except for XXXX who to date, has yet to respond ( I have sent them an additional follow up on XX/XX/XXXX ). I then took it upon myself to contact them ( Portfolio Recovery ) directly on or about XX/XX/XXXX ( attached ). I also pointed out in my letter to them that as per Florida ( where I live ) state licensing that per my credit file, they started reporting this information prior to their current licensing being in active status. They responded providing me with minimal details received from the original creditor ( XXXX XXXX w/whom I currently have an active account ) when they purchased the file XX/XX/XXXX ( as  per their letter which is also attached ). On or about XX/XX/XXXX I followed up to their response advising that while I received their correspondence, I received nothing VALIDATINGanything. They simply replied that they already responded ( attached ). Im simply seeking assistance in getting this matter resolved.
I provided the school I was attending the address that I would like information to be sent to which was also my home address. I spoke with the collection agency ( progressive ) the other day in regards to my paycheck being garnished and was informed that they sent notices to my ex boyfriends address ( a address I never provided them with ). I was informed by the collection agency that they sent the information to my current address which I find impossible because they had the wrong address on file when I called in. The collection agency then went on to state that they sent information to my job regarding the garnishments which again is information that I never received. I did informed each representative that I was recording the call and each still gave me very rude service and unwilling to help me to understand the situation. Even informing me that I could go to the post office and request a list of returned documents which the post official is stating they only do for packages. As far as the loan goes when I was in school do to health issues ( still present health issues ) I had to drop out ( the school stated that they could not take the risk of having a student with my condition stay in the dorms ). I had made several attempts to pay toward my loan through the school and never received accurate information ( I also have documents to verify ).
XXXX  IS ONCE AGAIN REPORTING XXXX BANKRUPTCY PUBLIC RECORD BELONG TO XXXX XXXX XXXX, XXXX AND 4 ACCOUNTS IN OTHER SECTION, BEEN PENDING DISPUTE STATUS FOR 5 MONTHS NOW DELETE ALL 4.
Paypal is reporting inaccurate information on my credit report as to late payments from a credit card I had with them which is negatively effecting my credit. I have tried to dispute via the credit agencies in which Paypal is ignoring. I even contacted Paypal but they have yet to make any changes as they are looking into it. This is for a credit card that had a credit limit of {$500.00} and was opened in XXXX.
I paid an old ambulance bill to a collection attorney office Mitchell D blume back in XX/XX/XXXX. Now they are contacting me about said ambulance bill again and they have listed it on my credit with a date opened of XX/XX/XXXX. Last time we used an ambulance service was in XX/XX/XXXX. I paid that with them settling this in XXXX the first time they contacted me. That ambulance bill was for me personally. 
Now saying they have one for my daughter XXXX who was covered under package A XXXX in XX/XX/XXXX. I provided all her ins information at the time of service. And its against the law to bill any XXXX recipient for any medical bills. So why am I being billed again? And why is it now on my credit XXXX yrs later and just bow hearing about this with an open date of XX/XX/XXXX? We have not used an ambulance for any reason this year or for XXXX yrs now in fact!
I received an unsolicited credit card account from Chase for an Amazon Visa credit card. It took a while but Chase 's fraud area did cancel it. 
Just to add evidence that it was a fraudulent action, the following day I received a letter from Chase saying my request for an Amazon Visa was denied due to 'duplicate request '.
I disputed XXXX trade lines reporting in my credit report with Trans Union, I attached a copy of the credit report with red marked items, attached a XXXX search from Secretary if State office of MA. After the " investigation '' all XXXX trade lines remind unchanged. 
I am attaching in this file all my filing. 

thank youXXXX