WillisBack/dataset-financial-user-claim huggingface dataset:
Resident Collection has posted a collection on my credit report in the amount of {$5000.00}. from XXXX. This dispute went before a judge in XXXX and was given a hearing date in mid XXXX. Resident Collection posted this debt in XXXX, prior to the hearing. At the hearing, the judge said I did NOT OWE for back rent. I have tried to contact these people but they keep putting me on hold, then disconnect me.
Bayview Loan Servicing will not answer the phone or return my call. They dont want to talk after trying to scam me out of money! On XX/XX/XXXX I received a call from XXXX at Bayview Loan Servicing congratulating me for completing my Trial Load Modification. She said I would be receiving a package from Bayview Loan Servicing and I would be working with XXXX XXXX going forward. I received the package from Bayview Loan Servicing, signed the documents, had them notorized and returned them. On XX/XX/XXXX XXXX XXXX from Bayview Loan Servicing called and claimed they didnt receive my final trial payment. I sent her proof the payment was debit from my account on XX/XX/XXXX, she continued to argue with me, so I told her I was going to contact my bank. My bank investigated the supposedly missing payment and told me that XXXX lied! The payment went through on XX/XX/XXXX and the bank gave me the transaction number. XXXX did everything to sabotage my loan modification and she is the reason my bank did a reversal payment. She wanted it to look like insufficient funds. When Bayview received my payment on XX/XX/XXXX it should have been applied to my account. I have been calling Bayview Loan Servicing all week trying to submit the payment again that was reversed because of XXXX XXXX lies! No one will answer or return my call!!! This is really ticking me off and I will be contacting my attorney Monday!
XXXX XXXX XXXX allowed someone to access my credit reports with Equifax and XXXX earlier this year. I never authorized it and have no idea who they gave my personal information to. Now I 've had identity thieves steal credit cards and insert addresses into my report so they can use my accounts history for their own gain. <P/>It is likely that XXXX is the source that has allowed these criminals to act using my credentials. <P/>XXXX called me about the fraud and said they would remove the inquiries from both credit reports. They never did. I asked XXXX and they confirmed, so they removed them quickly. Equifax failed to properly investigate my dispute and it remains, hurting my credit score. <P/>I 'm angered that XXXX is so cavalier about endangering my critical financial information and that it ca n't even be bothered to remove the inquiry from my reports.
Last year after the whole XXXX  data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.
As a reward from XXXX, I got a prepaid Visa card through CitiBank. I received the card from Citi about XXXX XXXX, 2015 and did not use the card until XXXX XXXX, 2015. I used this card a couple more times in XX/XX/XXXX, then put it away for future use. When I went to use it again last week ( XXXX XXXX, 2015 ), I called to get my balance and was told by Citi that my card had a balance of {$27.00}, but my card had expired at the XX/XX/2015 and that here was nothing that could be done to get my balance of {$2.00} I know that it is only {$27.00}, but I think it is highly unfair of Citi to have such a quick expiration date for their card ( XXXX months to use the card ). Most cards give you at least a year to use them, which is why I did n't check the expiration date on the card. Is there any way that Citi can be made to issue me another card with my balance or re-open my current card. If they withhold enough people 's balances, they 'll have a gold mine. This is totally unfair!
I submitted a Direct Dispute through XXXX XXXX 's dispute center, and according to XXXX XXXX, the dispute was reported to TransUnion on XX/XX/2018. I've periodically checked back on XXXX XXXX to look at the status. This is what it says every time : Your dispute request has been submitted to TransUnion and is currently waiting for their review. You should receive an update in the next few days regarding the status of your dispute request. 

If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. 

It also had provided a file complaint number I can provide. 

On XX/XX/2018 I called TransUnion dispute center and the woman said she had to knowledge of the dispute being place in the first place. She was not helpful. I called back and go in contact with the question/concern department and the woman said she couldn't find them either. 

I explained I have been waiting 60 days for a dispute report, just to find out it was never properly taken care of by TransUnion. All the woman offered was to restart the dispute again, and wait an additional thirty days for a response. 

Here is what is included in the dispute that was submitted to TransUnion on XX/XX/2018 : * XXXX {$2600.00} * XXXX {$230.00} * XXXX {$140.00} * XXXX  {$820.00} * XXXX XXXX   {$30.00} * XXXX XXXX {$130.00} * XXXX {$710.00} * XXXX {$120.00} *XXXX  {$1000.00}
The account Valarity is holding has been satisfied. I do not owe this money. It was paid in full. {$63.00} to the original billing institution in XXXX.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
I am a single mother that went to college and got a degree. I am unable to afford the payments of my Private Loan which is through XXXX but American Education Services is the lender ( AES ). I have been in contact with them several times that the {$250.00} a month payment towards my private loan is difficult for me financially as I am a single mother. They have told me several times that they do not have any type way to help lower my payments. I was told no process is in place for income-driven repayment plans or any other type of payment plans. XX/XX/2015 I got accepted into XXXX University to pursue my XXXX studies then enroll into a XXXX. I had to quit school because AES told me that I had to repay my loan and I had exhausted all forbearances and deferments. I told them that I am XXXX to work towards becoming a XXXX and I would be in school for some years. I was informed that even when I am enrolled in XXXX I will have to make payments towards the loan. I had to quit school and I am a single mother who can not pay both a private loan and other loans on my salary. I would like to go back to school forcing me to work part-time, but it is impossible since they will not defer the private loan payments or even offer income-driven repayment.
I leased a XXXX XXXX ES XXXX through XXXX XXXX in XXXX, VA in XXXX XXXX. In XXXX XXXX, my sales rep, XXXX, called me and asked me if I would like to turn my vehicle in early ( lease was up in XXXX XXXX for a new vehicle and told me that it would really help him out if I did. I told him that I would only do it under XXXX condition though and that was that they take care of my excess mileage that I had on the vehicle. He assured me that they would take care of it and that I would not be charged for it and kind of acted like that was what they did when you turned in your vehicle and leased a new XXXX. I did decide to go forward with the deal and lease a XXXX XXXX IS XXXX at the end of XXXX XXXX. Shortly after I received a letter in the mail saying that I owe {$1300.00} for excess mileage and I ignored it because I thought it was sent in error since my sales rep said the mileage would be taken care of by the dealership. I called XXXX XXXX multiple times for other issues and never once did they mention that I owed anything else related to the vehicle until this past summer when some lady said oh hey by the way, did you know that you owe for excess mileage on your old vehicle and obviously my response was, of course not! Immediately after she told me, I called my sales rep and he informed me that he no longer works for XXXX and to call XXXX. I left a message for XXXX at XXXX and he never returned my call. Then I called XXXX again because I needed my title number and told the gentleman ( ca n't recall his name right now ) that I tried to reach XXXX regarding this issue and that he never called me back. He said he would deliver the message and I told him to make sure that XXXX calls me after I return from XXXX in XXXX weeks. I never received a call back. Then I called XXXX XXXX, the XXXX XXXX XXXX, XXXX weeks ago and he said that when he pulled up the contract he saw nothing about the dealership taking care of the mileage. I explained to him that this is clearly a mistake and that I would n't be calling him a year later about it if it was n't because I would have already paid it. He said he would call XXXX and call me back but he never called me back. I just received a letter in the mail that my account has been sent to collections. I have tried to resolve this and no one is helping me ( clearly ) so I have resulted to this.
CFPB Once again Arvest Bank, Arvest Mortgage, Central Mortgage and their LIES on how much they received from Insurance Claim checks of {$41000.00} on XXXX/XXXX/XXXX, a claim check of {$35000.00} on XXXX/XXXX/XXXX, and a claim check of {$10000.00} on XXXX/XXXX/XXXX. There is an additional Claim check for the amount of {$2000.00} with date XXXX/XXXX/XXXX that you received from XXXX XXXX XXXX XXXX that you have not reported {$2000.00} with a total of {$89000.00} not {$87000.00} ( That will be consider Insurance FRAUD ). They say Attorney XXXX XXXX has a check of {$58000.00} that is not true as well. How once again Arvest Bank is playing with the Government and the money from XXXX XXXX XXXX XXXX. Now they are being greedy and keeping the extra {$2000.00} or the whereabouts of proceeds putting it into their pockets. ( How convenient ) but now at least they reported the lie in case number XXXX I will like for you to please contact XXXX XXXX to confirm my allegations at XXXX XXXX, XXXX |Senior Claim Representative | XXXX | XXXX Fax | XXXXXXXXXXXX |. For I do not know how they got the monies situation Arvest Bank has 3 copies of three different General contractors as well as 2 cleaning crew companies witch was referred by XXXX XXXX in her email dated XXXX/XXXX/XXXX please see attached as they requested from me for the amount as follows XXXX CEN CONSTRUCTION and another for {$120000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX signed and Notarized by me with XXXX for the amount of {$130000.00} and he said that he will match the numbers of XXXX. Arvest Bank never made payments to XXXX as stipulated in his contract another violation of contract. The Insurance company started with a low number of the amount shown above dated XXXX/XXXX/XXXX for amount {$41000.00} after going back and fourth and having their Contractors lfor 6 months then they issue a second check for {$2000.00} XXXX/XXXX/XXXX an a third XXXX/XXXX/XXXX for {$35000.00} and fourth claim check for {$10000.00} on XXXX/XXXX/XXXX. Now he has put a lien on my house for {$120000.00} he has been paid {$19000.00} plus {$10000.00} leaves and amount of {$91000.00} minus the missing check of {$58000.00} + {$2000.00}. I do n't care how they get to an agreement all I want is to be able to do a loan Modification I wo n't be able to do so until this Lien issue is resolved. This hole ordeal is making my health to deteriorate getting XXXX not being able to sleep or eat or function. How much can a person take XXXX Get sued by Arvest Mortgage XXXX My father gets diagnosed with XXXX XXXX XXXX I loose XXXX XXXX XXXX father passes away XXXX XXXX House burns down XXXX Negotiating back and fourth with Insurance trying to match General Contractors numbers for 6 months XXXX XXXX attorney gives my rights away in a NON-Jury that I was not aware XXXX XXXX Arvest Bank, Arvest Mortgage, XXXX, XXXX XXXX break in to my Homestead and steal what little I had left XXXX XXXX a LIEN on my home not being able to modify with XXXX
I am involved in a Foreclosure sale and need it dismiss due to fraudulent documents used by the bank which is Bank of America. I sent them a letter to validate the account on XX/XX/XXXX, and they have not sent me anything to validate the debt as I requested. My account number with the Bank on this complaint is XXXX.  They sent a letter stating they needed more time to research the matter, but have not validated the account as first requested as of this date of XX/XX/XXXX.  I need the Foreclosure sale date of XX/XX/XXXX, at XXXX XXXX dismissed and canceled since the debt has not been validated and they were giving fraudulent documents to the lawyer handling the Foreclosure sale. The Law firm is located in XXXX, North Carolina and is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX and their phone number is (XXXX) XXXX. They have failed to answer a certified letter and numerous voice mail's left them. In one instant, they said I would have to contact the Bank, but the Bank is just stalling and taking their time to respond to my letters concerning this matter.  They had 30 days to validate the debt and they did not do so, so I request the Foreclosure Sale be canceled and dismissed at this time. The Lender on the Note and Deed of Trust they are using to foreclosure is a ficticious Lender and is not Bank of America so they have no Security interest in the loan and did not fund the Loan in the first place.  The Lender listed on the Note and Deed Of Trust did not have a Business  license's in the State of North Carolina in XX/XX/XXXX do even be underwriting or funding loans and is ficticious to start with.  I am still working with the Bank but need this Foreclosure sale on XX/XX/XXXX at XXXX XXXX to be canceled and dismissed at this time until this situation can be worked out the myself and the Bank. They also have changed theTrustee handling the Foreclosure but the Notice of Sale came from the Original Trustee not the one that was filed later but they are listed on the Notice of Sale letter dated XX/XX/XXXX.
The credit union close my auto pay and my bills was not getting paid and the funds was in my account, so the company 's reported late payment to the reporting company, my credit card was XXXX, lost I-I lost XXXX XXXX account and XXXX be cause of the late reporting on my account, they would n't give me a loan to pay the debt off without a co signer, I am qualified for the loan my income is the same I cant get a loan no where because of their conduct and lie about their conduct their acts has cause me unreversable harm How do I sue
I have been having problems with this bank, and decided to close me account. I contacted them to get explicit directions on how to close it. I had numerous problems with this bank before and wanted to make sure I could l so without incurring any fees. It is an interest baring account. I called to find out to close the account, but get the remaining interest due. I was told in that situation to leave {$1.00} t {$2.00} in the account and the remaining interest would be deposed after the next cycle closed ; after that happened, I could with withdraw out any penalties. Instead I got numerous letters that my account was overdrawn, because the bank charged me fees for not meeting a minimum balance. I got multiple letters threatening they were going to report to the credit reports and that this was a default that was going to show up on my credit report. They were claiming my account was overdrawn {$8.00} ; they had charged me {$10.00}, directly contradicting their directions that said that they would not do that. When I first contacted them, I got the complete run around. First they told me they could not legally reverse the fees. When I threatened to sue them, they said they would reverse the charges. I insisted they send me a letter verifying my account was not overdrawn and that they would not contact the credit agency. They have refused even to address the issue after months of my asking them to : this is wholly illegal. All their responses say is that my account now has no balance due, which I know. I contacted them XXXX times and they refuse to address whether they sent this information to a credit agency or took or will take any adverse action. I believe their refusal to respond is also directly retaliatory, because of the documented issues I had with this before. I think that they violated multiple laws. They Illegally sent or threatened to send misinformation to credit agencies, and then have refused to address those threats and whether they have done so. The only amount that was over drawn on the account was the amount they illegally charged me.
People are having difficulty freezing their credit with transunion. They are currently pushing to purchase their own credit monitoring service before you freeze your credit.
I have a checking account at the citibank and they offered me credit cards applied when I add my sister on my credit card Visa Signature and she wanted to use it on the first purchase {$1800.00} dollars in the XXXX store the card was blocked she called to the bank I spoke with an operator and then this proceeded to call me asked my data and told me that there was no problem that could use it. My sister proceeded to pay and the cashier on XXXX store told her that the credit card was a fraud order. I went to the store while I was driving the car. I talked to the card operators many times and believed that I listened to the music for a long time and how they cut the connection. It was 8 calls that were missing 20 minutes for the store to close and I had to use my other XXXX credit card which if it worked without any problem. My CITIBANK VISA SIGNATURE credit card was also blocked. I proceeded to pay online and then to cancel. Really It was horror time.
My XX/XX/XXXX BSI Financial Services home equity line of credit statement shows my bank account was automatically deducted an additional charge of {$71.00} on XX/XX/XXXX. This charge is listed under " late charges & fees '' under transaction activity but the additional charge is actually due to an INTEREST calculation error BSI made in XX/XX/XXXX. I was informed the prime interest rate had increased in XX/XX/XXXX but BSI neglected to reflect this increase on my home equity adjustable rate line of credit. <P/>As a licensed loan company, BSI is aware of income tax implications when referencing late fees and interest payments. They are also aware of customer credit ratings when recording customer payments. <P/>I did not make an error on paying my XX/XX/XXXX statement. This oversight is due to BSI Financials mistakes.
I took a loan with Brookwood Loans ; XXXX, Ga. For XXXX months. After about a year, I was hurt on the job ( still not working ), I was Late with XXXX ( XXXX ) payment, over XXXX days. I then came back and paid the whole loan off early ( almost XXXX months ). They reported the late payment to the credit reporting agency. My complaint that even though I made XXXX mistake, why am I not allowed another chance? They say they would be lying if they told the credit reporting agency that we corrected this situation, what if I told everyone I knew not to do business with them and all their new business stopped!!! How does that work?!!!!
I have previously submitted a complaint against Bank of America ( Case number : XXXX ) in XXXX, 2016. I had received notice that the company would resolve the issue and did not dispute their response right away. I have been unable to navigate a response on the previous complaint number XXXX and have been unable to reply to the emails. This complaint is in regards to Bank of America 's failure to adhere to their proposed resolution of removing the escrow charges from my payment despite my compliance in paying the escrow balance to XXXX. Bank of America has filed a notice of Default and Intent to Accelerate, it has aggressively made harassing collection calls, and continues to assess escrow on my mortgage payment nearly doubling the original payment. I have written to Bank of America at various departments explaining that the agreement was to have the escrow ( which was wrongfully assessed ) removed once I repaid the escrow amount they never should have paid, having done so in violation of a legally binding agreement we had signed with the XXXX County Tax authority which Bank of America was provided with notice of. I have written to a consumer division of BOA regarding the proper payment with no prompt response. My XXXX payment is already late and I want to pay the original and correct amount as agreed to, however BOA refuses to reduce the amount they claim is owed. My credit has already suffered due to BOA actions in increasing my original payment of {$480.00} to {$1000.00} and now {$860.00}. We took a huge financial loss in trying to pay these excessive amounts and now that we have paid the escrow to a XXXX balance they maintain that I am liable for the improperly imposed escrow. Time is of the essence since the taxes will be due for 2016 within 30 days and if they wrongfully pay these again they will insist that we repay them with doubling our mortgage payment. If allowed to pay ourselves as legally entitled, my husband is a XXXX vet and over the age of XXXX and is entitled to make payments to the county in a more affordable payment plan. BOA is attempting to further violate our rights by imposing yet once again an improper escrow in order to force us to pay double our initial mortgage. I am unable to send any supporting documents via this system so I will send a follow up correspondence with copies of all my correspondence to Bank of America..
I called Genesis Lending to discuss the forgiveness currently available for former XXXX Students. I was informed that my loan did n't qualify because I had an AFT loan. Upon further research, this loan is for teachers. I am not a teacher nor did I sign for this type of loan. I have been deceived in so many ways and time after time I am being held liable for a loan that was misrepresented to me. This issue needs to be resolved especially when I 'm repaying a loan I have no information on.