WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX, managed by XXXX XXXX has received a judgement against my home that I am attempting to sell as a short sale and the attorney representing them is not willing to submit a settlement to the XXXX XXXX XXXX XXXX or XXXX on the contrary they have said in an email to my Real Estate Broker that they are going to charge addtional fees on this file if he continued to ask questions of them regarding the debt settlement. They are forcing foreclosure upon me when HUD and XXXX XXXX have allowed them a settlement amount and they are not willing to negotiate their inflated fees and settle this account so my home can be sold.
I have sought my credit report from Equifax since earlier this summer. I tried to get the report online and the company requested that I mail proofs of identification. I complied. The company said the proofs were not legible. I sent more legible copies. I have now sent four sets of documents to Equifax and the company still has not sent me my credit report.
I live in XXXX. On XX/XX/2017 & XX/XX/2017 someone if XXXX went to a XXXX Bank of America using my husbands name and made XXXX transactions for a total of {$22000.00}. The bank did not question it or notify me of this. I found it myself. I filed a Fraud claim with the Bank - Claim # XXXX. The denied the claim via email on XX/XX/2017 stating they had not been notified that or identification was lost or stolen and that the signatures on the items we claimed were consistent with the sample of the signatures on file with them. Neither are correct and we have never been to XXXX. I went again to the local bank today who contacted the Fraud dept and was told that the claim was denied and they would not re-open it. They would also not let us file a new claim on any transactions that were already filed on. Basically I 'm out my $ XXXX and that 's it, Bank of America will not return my money.
I filed a dispute for an unknown medical account which had the account deleted on XXXX XXXX, 2015 ( copy of result page enclosed ) and as of XXXX XXXX, 2015 it was reinserted. 

I originally disputed the account on XXXX XXXX, 2015. From their response I filed a proper dispute on the unknown medical account, contacted the reporting collection agency with a dispute and request for validation on this unknown medical account as per instructions from Equifax. I sent a follow up dispute to Equifax and at that point it was deleted. Equifax 's reinsertion of the deleted unknown medical account is a violation of the FCRA and FACTA.
XX/XX/XXXX I paid an Escrow Shortage it was NOT credited to my Escrow acct they credited it as an EXTRA PAYMENT and they did not correct that error. I rec 'd XX/XX/XXXX's payment statement and due to the fact that they did not correct the XX/XX/XXXX error the payment was lower then it should have been but I paid the XX/XX/XXXX. amount which they said I owed. They did not credit that properly, they credited that as an EXTRA PAYMENT and have not corrected that error. Then I rec 'd XX/XX/XXXX 's statement and paid that and again it was the wrong amount. Again they credited it as an EXTRA PAYMENT. They have not corrected that payment neither! The bank called me and left a message for me to call that bank. I returned the call ... .. the woman I spoke with told me I had NOT paid XX/XX/XXXX 's payment and that I was way over due on it ... ... I told her I had in fact paid it and I gave her the date of which I paid it and the check number, They STILL have not given me credit for that payment I have gone to my local branch bank and the branch manager there has also attempted to get this corrected she is not having any luck neither.
I applied for a mortgage at the beginning of this year with  XXXX   XXXX . I had an issue with my credit report that I was unaware of. I apparently had  XXXX  outstanding  XXXX  accounts amounting to {$740.00} that I do not owe. I 've never had a landline or cell phone with  XXXX .   XXXX  On my credit report, it states  XXXX  account was opened on   XX/XX/XXXX   for a  XXXX   XXXX  for {$590.00}. Then,  XXXX  {$150.00} opened o n  XX/XX/XXXX .    XXXX  When I called  XXXX , they gave me an account number associated with the account :  XXXX . But they told me they could not help me resolve this issue since the account had been sold to a third party collection agency.    XXXX   I started seeing a financial  counselor  to help me with this issue.
On XX/XX/XXXX I bought an iphone on XXXX, using my XXXX account, which is linked to my CITI HHonors Visa credit card. The seller ( XXXX, XXXX ) was listed as being locate in XXXX, XXXX . The XXXX transaction IDs are : Seller 's transaction ID : XXXX ; my transaction ID : XXXX. 
The seller claims that he shipped the product and provided a USPS trackingID ( XXXX ) showing that " a '' package was delivered. I have NOT received this package, and although I contacted the seller via XXXX many times, I got no response. I filed a complaint with XXXX and disputed the charge with XXXX. However, because I filed the XXXX dispute, XXXX closed my complaint immediately. Then, I was in touch with XXXX, hoping that I can resolve the issue with them ; but, in less than 24h they closed the investigation in favor of the seller. The reason was : the USPS trackingID XXXX provided by the seller shows that an item was delivered in my zip code ( XXXX ) ; my zip code has thousands of households. I contacted the USPS and obtained documentation ( from XXXX manager of the USPS office in XXXX, XXXX, ( XXXX ) XXXX, XXXX ) regarding the respective tracking ID. The USPS documentation shows that the tracking ID belongs to a package shipped from XXXX, XXXX to XXXX, XXXX ( XXXX ). However, the recipient address is NOT my address ; AND the sender address is not in XXXX, XXXX. My zip code is XXXX, NOT XXXX. 

I also filed a complaint with consumer affairs ; here is an excerpt from the email received on XX/XX/XXXX, from XXXX, Consumer and Industry Affairs, XXXX : " According to all records, you made an XXXX purchase and was provided tracking number XXXX as the tracking number for your package. This tracking number was not for a package intended for your address. The tracking number instead was for a 2oz Priority Small Flat Rate box being shipped from XXXX, XXXX XXXX XXXX. The package was destined to XXXX, XXXX, XXXX, XXXX XXXX. The package was delivered correctly as addressed. '' XXXX forwarded the issue to the US Postal Inspectors who are also investigating the case reference number C # XXXX. 

XXXX did not do a proper investigation ; they did not contact the USPS to check on the accuracy of the trackingID. Therefore, I disputed the charge with my the CITI credit card, on XX/XX/XXXX ( dispute ID : XXXX ). They are investigating the dispute, and the status of the dispute still shows as ongoing as of XX/XX/XXXX and as of XX/XX/XXXX. I forwarded them the email from XXXX, a scanned copy of the tracking document obtained from USPS, and all of the information regarding the original listing on XXXX. Yet, in spite of unequivocal proof that I did NOT receive the product, today ( XX/XX/XXXX ) when I re-checked the dispute status in my CITI online account, I noticed that the reverse charge was placed in my account and that was back-dated to XX/XX/XXXX. I called CITI, but the dispute department was " unable to take '' my call. So, the customer representative ( XXXX ) placed an order for the dispute department to call me back in 24-48 hours. Please help me resolve this issue with CITI and XXXX. I am sending you attached all of the documentation that I have and provided to CITI and to XXXX.
I have been paying my student loan taken from XXXX XXXX XXXX XXXX XXXX on a timely basis since my loan went into repayment. Subsequent to graduation, I began making interest payments while I was looking for a job. Every payment I have made has been credited only to interest and there has been no principal accrual. The only principal posting shows up after I complained to Navient. The 2015 XXXX shows an interest payment this year that calculates over 15 % interest instead of the 6.8 % shown on the note. They are sending me an explanation, but when I look at the ledger, there is nothing that can justify this kind of posting. I believe they are using a system that is stacked to cause students to pay a higher interest on these loans over the lifetime of the loan. It just does n't seem like a fair way to repay a loan and I feel they have taken advantage of me.
Received by mail an unsolici ted Mastercard ( Prepaid ) card from Netspend. T his was not requested.   The card is a prep aid Debit card that requires the holder to file Social Security and bank account routing numbers to Netspend, w hereby they will then charge the holder a monthly fee of {$5.00} to handle funds.     I have been advised th at  XXXX  sold off this service to Netspend, which is now simply mass mailing these Mastercard products t o unsuspecting people.
On XXXX XXXX I deposited a check ( check XXXX ) for {$600.00} into my Citibank checking account. As per policy I was allowed to take {$100.00} out on that day. ( I am allowed {$100.00} the day of the deposit, {$200.00} the next day, and the rest on the third day when I deposit a check ). I was surprised on the second day when, expecting {$200.00} to have been released, I went to the grocery store and my card was " not authorized. '' I went online to check my account balance only the area that usually has my account summary was completely blank with no information. I called up Citibank to find out what the problem was and was told that my account had been blocked for ten days because the bank of the writer of the check, XXXX XXXX, had given Citibank a courtesy call to tell them that this check would " possibly '' be returned. I called the person who wrote the check who assured me that the check had been paid and the money taken from his account. I called Citibank again ( Loss Prevention ) and spoke with a very helpful woman who spent some time trying to contact XXXX XXXX to discuss the matter, but she was n't able to reach anyone at the bank. Since then the check writer has contacted his bank, which assured him that the check was paid on the XXXX, the day after I deposited it. I have also viewed the check writer 's online ledger, which shows clearly that the check was paid and the money taken out of his account on the XXXX. My next step tomorrow is to call Citibank again, giving them the name and number of the person to contact at XXXX XXXX. Hopefully, this will solve the problem. But what I do not understand is why, when a check has been deposited and paid, is my account blocked for ten days, including access to my account information online. Even if the check had bounced, which it evidently has not, I could have simply deposited the money to cover the amount that I withdrew. It does n't seem to me that cutting off access to my account information was appropriate in this case. I did not do anything wrong and the problem they thought might possibly be a problem did not even occur. Why am I being punished by the bank?
The problem I am currently having is the repayment portion. I've been paying on my student loans faithfully and the balance I owe is higher than the amount that I initially borrowed. It seems like I'm only paying interest and my balance is getting higher and higher.
XXXX XXXX XXXX XXXX XXXX Account number - XXXX Date Open - XX/XX/XXXX High Credit - {$27000.00} Date of last Act - XX/XX/XXXX Status - Account sold / transfer After sending notice to ALL three credit reporting agencies : XXXX, Exquifax and XXXX - the account were remove due to the S.E.V.E.N year information reporting time that was under this particular account. Just recently, I FOUND OUT THAT MY INFORMATION WAS SOLD AND ANOTHER AGENCY has once again reported my information back on ALL three credit reporting agencies. This was off and completely off starting back in XX/XX/XXXX. After the security wrong doing of my information along with thousands and millions of others
XX/XX/2019 Capital One has been complained about concerning my account. My account is supposed to be blocked from re-occurring charges and I don't have overdraft protection. As of last night my balance was correct, and today they have something on my receipt for pending authorization on a cash deposit, and they have tied up my money for unauthorized re-occurring charges.

The charges are from XXXX XXXX XXXX. I made a one-time payment of XXXX to order Credit Reports. I went in to the their system and changed the payment method to be withdrawn on the XX/XX/XXXX. XXXX  has XXXX charges pending from my checking account. AS for Capital One, I am going to find another bank, because I am tired of them tying up my funds for unauthorized and recurring charges. And I am going to use another credit repair company.XXXX Case ID # is XXXX.
I inadvertently made a larger overpayment to my AAFES Exchange Credit Program Card on XX/XX/XXXX. Within a week this payment was posted to my account leaving an over payment amount of  {$11000.00}. On approximately XX/XX/XXXXI contacted the company and requested a refund which they assured me would arrive in 7-10 days. I waited until XX/XX/XXXX before reaching out to the company via email saying, " I requested an overpayment refund three weeks ago and I still havent received it. How much longer do I need to wait? '' They responded 1XX/XX/XXXX saying : " Dear XXXX XXXX, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ).

Please be advised that we have sent another request today for the refund to be sent to you. Please allow 7-10 business days for the refund check to be delivered. 

We do apologize for the inconvenience this has caused you. 

If further assistance is needed, please give Military Star a call at XXXX or via email. 

Thank you for your service and have a wonderful day! 

Sincerely, XXXX XXXX The Military Star Email Team Army & Air Force Exchange Service XXXX XXXX I didn't receive a check so I contacted them again on XX/XX/XXXX saying, " This is my third inquiry into the overpayment on my account. Can I ask what the issue is that is causing such a delay? '' They responded XX/XX/XXXX saying, " Dear XXXX Parent, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ). 

Please be advised we are researching this to see why the check is not getting processed. Once I receive a response form the accounting department XXXX will email you about your refund. We do apologize for any inconvenience this may have caused you. 

Thank you for your service and have a wonderful day! 

Sincerely, XXXX XXXX The Military Star Email Team Army & Air Force Exchange Service I then waited until today ( XX/XX/XXXX ) to call the company again and now they are saying they are going to try and have the check mailed out to me by the end of the week.
Their first attempt to contact me to discuss a debt from a recent medical bill was to contact me at work directly. They did n't initiate by my cell phone or by mail at all. Told me, at work, that I needed to contact them before the original creditor decided to take further action. Totally unacceptable and unprofessional forcing me to respond and negotiate such items at my work place, in front of other employees.
I have a problem with Wells Fargo. Upon trying to transfer funds in excess of {$5000.00} to another bank via their bank-bank transfer ( ACH transfer ), I discovered that they do not permit more than {$5000.00} in XXXX day nor more than {$6000.00} in 30 days. I have looked thoroughly through all their customer account agreements and have found no such restriction. It is my money and if I wrote a paper check against the account they would have no choice but to honor it. So why the ACH limit? Can they do that? 

This is just XXXX more example of why the arbitration clause should not be permitted in consumer agreements. 

XXXX
Experian Credit Bureau has allowed the " creditor '' XXXX XXXX XXXX to continue to reporting negatively on my credit report even after I have disputed this account several times. Both parties have failed to provide me adequate information to validate or verify this account. So I want it deleted from my report immediately. I have done my very best to keep my credit in good standing and this negative information does not help my credit file.
I am a victim of the Equifax hack. After learning of my exposure I tried to have my credit frozen with all three credit services. 

Equifax would only help if I signed a document relieving them of any legal suit. 

XXXX 's website crashed while processing twice and told me to call a number where the representative XXXX told me she could n't do anything and then transferred me to her sibervidot which was an inactive number/ hung up on me. 

XXXX 's website recommends buying their protection plan - just a way to profit more than the {$10.00} they charge to freeze my own information. 

So in the end my wife and my information is released and I have no way of protecting it through legal means other than paying these same companies even more money for nothing.
Took out a {$42000.00} Parent Loan in XXXX for my son. Paid over {$35000.00} to Navient over the years and recently started to make double the payments to pay it off. I instructed them to always apply any extra to principle. Last month I noticed the balance doesn't seem to be going down and took a screen shot of the Current balance {$44000.00} on XX/XX/XXXX since they do not show how the payment is applied on their website. The interest on this loan is 6.5 %. I went to make the payment today XX/XX/XXXX ( the due date is XX/XX/XXXX ) and the principle is showing {$44000.00}. I called Navient and the employee XXXX emp # XXXX stated that on the date I made my payment on XX/XX/XXXX the principle went down to {$44000.00}. My {$500.00} payment took {$11.00} off the principle. He then was explaining that the interest accumulates and making odd and incorrect statements. I told him that it isn't possible to make a {$500.00} payment and have the principle go down on that day only {$11.00}. He then tried to make calculations as he was adding and couldn't explain it. I asked for a copy of the note. 
Please this is obvious a loan shark situation. Please help me.
I have disputed the late payments on XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, XXXX, and XXXX  )
The credit report has me at late payment for XX/XX/XXXX. I did not purchase the XXXX  until XX/XX/XXXX. I was never late on my payments. Experian as the account opened as of XX/XX/XXXX. I am not sure how I can have a late payment a month before I purchase the XXXX.
I disputed as aged out, other bureau removed based on Paid & Released seven ( 7 ) years from filing date XX/XX/XXXX, your records show now pd date, No release shown.
For over a year I have been trying to get XXXX XXXX XXXX XXXX ( XXXX ) to report my car loan to Equifax. I was having problems getting a resolution with the main customer service center and I was then referred to the Office of the President to have my issue resolved. My issue was then resolved back in XX/XX/2018. Equifax has been experiencing security breeches so I constantly stay abreast of my report. I noticed once again that my car loan through XXXX XXXX XXXX XXXX ( XXXX  ) was removed again. I called to get it resolved and was told to get a copy of my report directly from Equifax to confirm. I called Equifax and they confirmed it is not on my report and I also received my report from them which was 83 pages. Indeed it is not on my report. I was told by XXXX to send a copy of the report so they can verify that it is not there. I did not feel comfortable sending my report and asked for another way. I was told there is no other way. This seems unreasonable. If they have a direct contact with Equifax I'd rather them utilize it rather than harassing me for my credit report. This is keeping my score from increasing. I keep getting bounced from person to person at XXXX and even though I ask for a supervisor I dont get one. I was only able to leave a message one time for a supervisor and that person never called me back.
Ditech has held my escrow ( personal property taxes and added interest for XX/XX/XXXX and XX/XX/XXXX, now I receive a letter XX/XX/XXXX stating that I need to pay {$3700.00} or our mortgage will go up {$480.00} and if we pay the {$3700.00} payment will still go up {$190.00}. I think that when Ditech pay our personal property taxes and insurance, they need to add it to escrow at that time and not hold it and let it add up and make our escrow short. Now we will have a big payment that we can not afford. When I called XXXX, the lady I spoke with could careless. I do n't have {$3700.00} and I ca n't afford to pay {$1800.00} either. They need to give us more options.
Sent a complaint through the XXXX  to Equifax got a message back the next day, basically refusing my request to re-investigate. 

Since the Equifax Data Breach back in XX/XX/2017. I have seen a variety of different things keep appearing on my Equifax Credit Report that I dont know where they came from. Anywhere from New Inquires, New Accounts, Fraudlaunt Applications they have came across my credit report. 

Whats weird about this whole thing is when I questioned XXXX  and XXXX  they investigated the same thing I ask Equifax to do, and their results after investigating came back with several accounts that resulted in deletion because they found IP addresses came out of another state. 

So when I ask Equifax to do the same they continue to refuse my request which should be against the law. I know they broke the law by refusing my request to reinvestigate
I am refinancing with a mortgage company. The new mortgage company has been trying for weeks to get Ocwen Mortgage Servicer to send them the payoff quotes so they can finish the refinance. Calling Ocwen is an absolute nightmare. They outsource their call center XXXX. I escalated it to several managers who all told me I would have the payoff quote within 24 hours. I requested it 4 or 5 times and they always say 24 hours but never send it. Now my refinance interest rate lock is expiring and the lender is charging rate lock extension fees as well as they are not able to even close the loan because ocwen is not cooperating with sending the payoff quote ( a very simple request ). It is an absolute nightmare calling this company, and how they are still in business is beyond me. They have cost me time, money, and heartache, stress etc trying to just a simple payoff. Instead they play games, they request the same things over and over again, and driven me absolutely crazy trying to deal with them. Please pleas prosecute and get this company shut down. they slogan is " helping homeowners '' which is absolute garbage because I do n't think they have helped me XXXX time, even with something as simple as getting the payoff request so we can finish my refinance.