WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I sold our home in XXXX and closed on XX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that XXXX reported us 60 days past due for the months of XX/XX/XXXXand XX/XX/XXXX. How could this be we paid off our mortgage in XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested XXXX to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at XXXX with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! XXXX has yet to return any of our calls. Unprofessional to say the least!!!
On XXXX XXXX, XXXX at approximately XXXX PM, I became aware that credit report may have been involved in a hack, leaked, and is currently compromised through Equifax. They gave me no notice or warning and I was lucky enough to see a warning online.
I have contacted Experian on several occasions by phone for assistance at XXXX XXXX XXXX XXXX and through their website to dispute several inquiries that appear on my credit report I did not initiate or authorize. Furthermore I have asked Experian to contact each of this companies to request proof of me requesting credit or completing credit application. I would like for all inquiries highlighted on attached credit report to be removed
XX/XX/XXXX- Emergency Room visit.
XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''
I initiated a wire transfer in late XX/XX/XXXX to ensure I had adequate balance to cover the upcoming rent. However, much to my chagrin, I find that everything that posted over the long holiday weekend was processed to my account on Tuesday, XX/XX/XXXX, with no logic on order of processing other than bank whimsy. I was hit with multiple {$38.00} NSF fees ( six at last count ), including two for charges which were under {$7.00} each, and for which I had a positive balance at the time of the transaction! Rather than processing the incoming wire in queue first ( which was initiated days before the transactions in question ), the bank processed every other debit to ensure they maximized their NSF " gains. '' I have been a customer for 21 years, and this is untenable. They have offered to reverse two of the fees, but I will not accept less than all of the fees being overturned. This is hugely unfair, and really lets me know what this bank thinks of its clients. Same as all banks, I guess ... .we 're all cash cows ...
my direct deposit is 3 days late as of XX/XX/XXXX, and hace been given zero reason from XXXX/netspend.
I have an account with synchrony bank and a balance that is only 18 days past due and they continue to call me almost every two hours from an " unknown '' number about this balance. Although their number comes up as unknown, it leaves an automated voicemail stating that it 's synchrony bank and they require a payment. It 's absurd, annoying and basically harassment.
One day my credit score goes up XXXX points without me doing anything, the next day it drops XXXX points without anything happening.
The purpose of my complaint is to draw attention to a potentially abusive practice - as defined by UDAAP regulations - that Bank of America may be employing with their credit card customers. 
I have had a Bank of America XXXX for many years and have been working diligently to pay it off completely. I set up payment arrangements with them about XXXX years ago to finally reduce and eliminate my credit card debt with them. These arrangements include direct debit ( ACH ) payments from my checking account near the beginning of every month. I am a senior citizen on a fixed income, so I have to " stretch every dollar '' in-order to make ends meet. 
I was showing my latest account statement to my son recently, and he noticed that I have been charged a " Past Due Fee '' every month by Bank of America in the amount of {$22.00} ( see attached statement, page XXXX of XXXX. ) However, I set up payment arrangements with Bank of America a couple of years ago and set up automatic ACH payments from my checking account ( not with B of A ) in the amount of {$100.00} to come out on or around the first of each month. According to my statements, my payment due date for this account has always been on the XXXX of each month. 
My complaint is simply this : If I 'm making regularly scheduled payments via XXXX well in-advance of the account 's due date, why am I being assessed a " past due '' fee EVERY month? 
In analyzing my most recent statement further ( enclosed/attached, ) I discovered that according to B of A, I have paid over {$400.00} in past due fees in XX/XX/2016, which amounts to {$120.00} more than I paid in interest during the same time period! ( see attached statement, page XXXX of XXXX. ) I believe this is both unfair and abusive for several reasons : Since I have automatic payments set up, there should NEVER be a past due fee. Especially since my ACH payment date is always several weeks prior to the due date on the account By assessing " past due '' fees each month, this could have a negative impact on my credit score which is not only detrimental to me financially, but also potentially fraudulent, since my payments have never been late. 
After I discovered this " Past Due '' charges, I called Bank of America directly and brought this matter to their attention. The representative I spoke to told me they would no longer assess these " Past Due '' fees, which I appreciate. However, they made clear they would not reimburse me for the amount of the past fees, which is unfair, considering my perfect on-time payment history. 
I bring this to your attention because I fear I 'm not the only customer they are unfairly charging these " past due '' fees. 
As I stated earlier, I 'm a senior citizen living on a fixed income. I have to watch my money closely and do n't live an extravagant lifestyle. However, I 'm doing fine with what I have. But I know there are many senior citizens who are less fortunate than me and I 'm very concerned that Bank of America is negatively impacting their lives through exorbitant fees and potentially damaging credit reports. 
I look forward to your timely response and investigation into this matter. 
Sincerely, XXXX XXXX
In XXXX of XXXX, my wife and I opened an online savings account with XXXX bank XXXX an internet based bank ) and based on verbal representations and documentation were led to believe that our account 's interest rate would fluctuate based on prevailing rates. We deposited a large amount of money and our decision was based on what we had been told, that XXXX would increase ( or decrease XXXX our interest rate of return based on prevailing interest rate conditions. 

Instead, as interest rates went up to 1.45 % APY, the bank kept our interest rate earnings at the original 1.15 % APY. In late XXXX XXXX I discovered that XXXX had created XXXX renamed XXXX their savings account product and that for weeks or months they had been opening new savings accounts at a rate much higher than the 1.15 % they were paying us. 

In early XXXX I phoned them and stated that I was upset that they had neither raised our interest rate as had been promised, or at least notified us that they had created a higher interest rate savings product that we could have switched our money into. I requested that they make it up to us by computing how much we should have earned at the higher rate and adding it to our existing account. After waiting 5 days for an answer, I was finally refused. We have since moved our savings out of XXXX. 

I honestly believe that XXXX bank defrauded us out of the earnings we would have and should have earned if they had stuck to their promise of raising ( or lowering XXXX our interest rate based on prevailing rates. Instead, to cheat us out of what we were entitled too, they renamed their savings account product in order to avoid paying us a higher interest rate, then told me I should have switched into the new account. We suffered lower earnings and income as a result of their fraudulent misrepresentation. XXXX is playing a cheaters game by lying to customers that they will raise the interest rates they pay their savings account holders and then failing to do so.
For the last year I have been paying Navient {$58.00} monthly. All of a sudden on XXXX XXXX 2016 Navient withdrew {$1600.00} from my account leaving me - {$320.00}. They claimed to have emailed me telling me to renew my payment plan or I would automatically be put on a 10 year repayment plan at {$1600.00} a month. 

When I asked what email address they had on-file they answered with my out-of-date student email address. On two separate occasions, I asked my email address be updated. It never was. 

I am now completely broke, incapable of feeding myself and incapable of paying for my XXXX to get to work and come home. I have been told my claim is expedited and I will be reimbursed in " at least '' one week, most likely two weeks. 

That means I am incapable of feeding myself and getting to work for 1-2 weeks. I make {$740.00} every pay period. That means my next paycheck will go, mostly, to bringing my account up from - {$320.00}. 

This is unacceptable. Navient is a major monolith of a company. The company would be just fine if I died today and never paid them again. I -- we individual citizens, however, directly suffer from Navient 's carelessness. 

I have bills and other loans that need to be payed. I am terrified by the thought of how this issue will negatively impact other financial responsibilities of mine. 

I live on a tight budget and I barely make things work. Navient has completely crippled me for the next 1-2 weeks. I, quite literally, am not sure how I will " make ends meet '' until Navient pays me back. And I do not know when I will be paid back.
After sending information to verify myself with my disputes, including their internal file number, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XX/XX/XXXX and XXXX   have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XX/XX/XXXXunauthorized
I had several mortgages with Bank of America before recession on my primary and investment properties. When the recession happened they started selling some mortgages to other companies. Things were ugly. I was not able to survive and felt behind. My properties were sold XXXX after the other. XXXX of my properties was sold in XX/XX/2015 by Bank of America which they have filed deficiency and reported to IRS. Not only I lost my house but also being reported that I ended in having {$12000.00} payment to IRS that I have hard time paying. On my only roof left on my head, that I only have a line of credit, they never worked out with me to lower my principal. I here all the time that they are forgiving many secondary loans. I am desperate. I am a single mom of XXXX adopted children that are in Medical school. I am lost everything that I had and I will be unable to support my kids schooling. I desperately need help. Thanks.
Derogatory Mark ErrorsA paid-off collections account is still showing as unpaid. 
An account that was closed and paid in full is still showing up under collections/remarks on my credit report. 

Account DetailsLast Reported XXXX XXXX, XXXXCreditor Name CAPITAL ONEAccount Type Credit CardAccount Status Closed - PaidOpened Date XXXX XXXX, XXXXClosed Date XXXX XXXX, XXXXLimit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status CurrentWorst Payment Status 60-89 Days LateDate of Last Payment XXXX XXXX, XXXXAmount Past Due {$0.00}
www.consumerfinance.gov referrral XXXX dcase no XXXX XXXX XXXX, XXXX XXXX IA XXXX The terms of the RESPA are for an automatic termination of PMI once the loan amount owing the Mortgagor ( bank of America, has reached 78 % in XXXX dollars of the orginial purchase price of the home. I dispute BA determiniation to continue PMI payments ( billing of mortgagee ) .The basis for my diispute against BA terms is they are not folloiing good banking standards and procedures by violating RESPA terms that enact atutomatic PMI discontinutioaon with no appraisal needed when my loan reached 78 % remaining to be paid from the original purchase price. I request Consumer protection agency to review the necessity for BA to adhere to RESPA terms and issue me a refumd of overpaid PMI since loan reached 78 % loan to value of orignal pruchase price, no survey required. I further request that BA cease and deisist in its insistence on billing {$15.00} a month or any amount for PMI. I request assistance and i give authorithy to Consurmer financial proctection bureua ( CFPB ) tor recover overpaid PMI and refund to me. I look forward to the final determination from CFPB in this matter.
North Wind Associates keeps calling my cell, my work etc with threats to come to my work or home and arrest me or serve me with legal papers if I do not pay, I am on probation and can not go to jail! These people have mislead me into making a payment with these kinds of threats because I do not want them to come to my work, they have even said they would follow me. XXXX thing is to take me to court to get payments etc thats fine, but threats to arrest me or take property away from me is illegal. Can someone please help me with them? Greatly appreciate it.
I've contacted XXXX 's on several different occasions attempting to resolve an issue regarding a payment they are reporting as " LATE '' on my credit report! I have also sent certified letters demanding they delete the late payment or provide me with proof/verification that my payment was late in the past. They failed to do so, and they have been very unhelpful in this whole process.
There was no Late Payment made for XX/XX/2018. Creditor Capital One reversed late payment charge and credited my account. However still reported as late payment for the month XX/XX/2018.
I have been trying to facilitate a short sale for the homeower XXXX and XXXX XXXX. This file has been completed including values, sellers information and short sale docs needed for well over 30 days. I have lost XXXX buyers already. This file has been in progress for over 6 months and since our last buyer made their offer its been sitting there with absolutely no updates, no movement for over 30 days again. I have asked that the file be escalated and someone to call me back, but after XXXX separate attempts at that no one is still responding and the file still has not been reviewed by the underwriter. We are about to lose our XXXX buyer and US Bank is just holding our file hostage instead of working on the approval for the sellers. I need some help in getting this bank to do what they are required by law to do, which is respond to the seller in writing one way or the other within the guidelines set forth in the Making Home affordable act.
I XXXX XXXX, formerly XXXX XXXX have been contacted by Hewitt Capital LLC a company that claims to have bought my Debt from XXXX XXXX XXXX, who bought the debt from XXXX XXXX XXXX. I did take out this loan from XXXX XXXX and fell on hard times and could not pay the debt on time. I have made efforts to make as many payments as I could with XXXX before they sold the debt. Hewitt Capital in their communications which I have recorded is claiming to be XXXX XXXX XXXX  XXXX but the company name is Hewitt Capital LLC as registered with the XXXX XXXX XXXX. I have attempted to get verification of the debt and was given an email attachemnt with a letter to a previous address that I had stating only the original account number the original creditors name and the amount due. I sent an email return asking for more info in the form of the loan documents to verify. The XXXX has an alert on the company stating they could not provide all the Bonding and exemptions for states they claim to collect in. I also did more research and found numerous consumer complaints of this company and this was why I asked for more verification from them. They still have yet to provide in my opinion adequete proof they are who they say they are. In addition the company has threatened to file suit on me if I do not contact them by the end of the business day which according to them is XXXX XXXX XXXX time. According to the XXXX the company is based in XXXX XXXX but calls to my phone have been from a XXXX number. To this time the company has been bullying and used extreme tactics even though they have only had this debt for a few months. In addition the company has kept extending their dead lines on when they intend to file suit twice so far. If you could please possibly get back to me my number is XXXX with advice or if this company is legitimate. I am very concerned and have only been attempting to protect my self from fraud. lastly I did make an offer to pay the company a minimum of XXXX $ per month in addition to their XXXX $ processing fee and was told they could not accept that amount. They did make the claim they would put in for hardship and make a good reccomendation to the Judge for me. With all the infromation I have so far I do not feel comfortable handing out my information to these people fearing a scam or fraud. Any help in this matter would be greatly appreciated. Thank You and have a wonderful day
as i stated in other complaints someone has used my identity to open this account and i never received any communication from this company and yet they continue to assert that they have had communication with me in the past in response to a previous complaint ... and they havnt someone stole my identity and these people continue to make it difficult to get this cleared up i am in the process of making all of the necessary complaints with other agencies that regulate/license debt collection to see if i can get some help getting this figured out and giving this information to other govt agencies to investigate
I have sent numerous dispute letters to Equifax about a furnisher /public record named XXXX XXXX XXXXXXXX CT XXXX XXXX they are reporting on my credit report. Equifax claimed they verified directly with the with Lexis Nexis that XXXX XXXX XXXX CT XXXX XXXX that the account belongs to me. I 've requested their method of verification SEVERAL times and each time they just mark as " verified '' without providing me proof of their method of verification with a written reply from the furnisher nor XXXX XXXX ( who by the way has my account locked ) that clearly states this account belongs to me. These are all clearly stated on all my requests and yet they ignored and just marked it as " verified ''. If my account with XXXX XXXX has been locked from access how is Equifax able to verify this? I 'm very dumbfounded. 
If Equifax is not able to provide their method of verification to me how do I know this belongs to me and how is this accurate? 

Nonetheless, I made my own request directly to XXXX XXXX XXXX CT XXXX XXXX, and my letter was as returned '' ( letter attached ). Now, with my request being returned from the court, how is Equifax and XXXX XXXX able to verify so quickly with the court and mark it as " verified '' and close my dispute? With Equifax 's response to my CFPB complaint # XXXX as " verified '' again. How is this all possible and how is this fair and accurate reporting? 

Several creditors, home lenders refuse to provide me credit due to this information and it is very damaging to my score. I 've attached all the letters I 've sent to Equifax and each dispute they 've responded with " verified '', again without providing me information on how they verified this information from XXXX XXXX or the furnisher. 
Again, each dispute I 've sent to Equifax, answered as " verified '' without providing me proper " written '' method of verification is a violation of the FCRP 611 ( a ) ( 7 ). This is an intentional false reporting if they are unable to provide me their method of verification. I am making one final attempt to have Equifax correct/delete this information from my personal credit report before I proceed in a small court claims if they are unable to provide me WRITTEN verification on how they verified this directly with XXXX XXXX XXXX the XXXX XXXX XXXX  CT XXXX XXXX. 

I, again will remind XXXX that in a case, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX XXXX, they may be liable for their willful non-compliance.
I have disputed the information with the company. However, I have not gotten a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.