WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried and tried to fix this problem, I have XXXX XXXXXXXX, am XXXX and sls will not help me, I just want a repayment plan that I can afford, sls keeps denying me, I was set on a repayment plan and called to tell sls that my payday was different then what I had originally told sls and asked if I could change the date, well I found out I was in foreclosure, I have begged this company, pleaded with them, and i get no for the answer, in may I was given a modification and in XX/XX/XXXX before I could make the first payment I was admitted to the hospital, where I had an extended stay, I was diagnosed with XXXX XXXX XXXXXXXX, the people I trusted to pay my mortgage, took my money and left the state, so I have been asking for a repayment plan and this company will not help me, I keep trying, I ama us XXXX veteran and I am XXXX, I want to stay in my house to XXXX, but sls is foreclosing on me and putting a XXXX veteran in the streets I have no where to go, I have asked this before and they tell me no, this company is a very very horrible company, they have no compassion, I have tried to make my last 2 payments and was told no because I am in forclosure, I have no where to go, I can make my payments but they want me to sell my house or deed it back, I want to keep my house, I have tried, I guess my next step is to go to media and have them reveal this company for who they are, when I had my modification done, my balance went from XXXXto XXXX, but had to sign papers to keep my house, and they are taking my house away, I will contact media.
I initiated a refinace of my home in mid XXXX, I was given a virbal quote of {$2800.00}. When I got the Good Faith Estimate it had a figure of {$7400.00}, which I questioned. I said if it was that expensive I was n't interested in the process. They explaine that it was a high estimate and it would be less when the current loans escro was returned. The process went through but not with out issues. The XXXX question I kept posing to the loan officer was what would happen to the escro on the old loan. They kept telling me it would be returned once the old mortgage was payed off. Well, all is complete but I found out yesterday XXXX/XXXX/15 that the escro was not going to be returned to me. The escro, along with my last mortgage payment on this loan was used to pay off the fees and the costs of paying off the old loan. Out of {$2900.00}, I was only getting back {$670.00}. I was never told about this, never saw it in the Good Faith Estimate, or the Hud Statement or never had this told to me and never recieved any written information with a detailed break down of these charges. At this point I still am unsure how this happened. I have called the bank, the XXXX XXXX people I talked to were very XXXX with me and acted like the bank did n't need to tell me any thing. The XXXX person listened to my complaint, told me she would call me back the next day but I have heard from her. The final cost to refinace my house is at {$8500.00}. One hundred dollars above the original Good Faith Estimate. They do n't seem to want to talk to me. XXXX final though, the bank told me that both the bank and the title company requested clearance to use the escro of the first loan to pay off fees and expensis for that loan. So they also could have mentioned something but did n't even though I questioned them at the closing.
The company mentioned herein has listed an account on my credit report that does not belong to me. I have or had absolutely no dealing whatsoever with this this company or its affiliate creditor. This company and I have never exchanged any communication whatsoever. Thereby, this company has never contacted me ; thus not giving me an opportunity to request verification of this alleged debt. The company went straight ahead and reported an unverified account to the Credit Reporting Agencies. I believe that my rights under the Fair Debt  Collection Practices Act have been blatantly violated by this unknown company. 
The information listed on my credit report is as follow ; Creditor Information : LTD FINANCIAL SERVICES XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Amount allegedly owed : {$520.00}
I filed for Chapter XXXX Bankruptcy in XXXX. In the Bankruptcy my home loan mortgage with XXXX was included. This debt was discharged in late XXXX. In XXXX the loan that was discharged in my Bankruptcy in XXXX was sold to Caliber Home Loans. Caliber Home Loans began reporting late payments on my credit report in XXXX and throughout XXXX. I contacted Caliber Home Loans and asked them to stop reporting late payments on my credit reports. I supplied proof of the Bankruptcy discharge to Caliber Home Loans and their attorney, XXXX XXXX XXXX. I explained that I never entered into any loan contract with Caliber Home Loans. They refused to remove the negative information from my credit reports. The loan shows on my credit report as closed. I would like to have Caliber Home Loans entire report to the XXXX credit bureau 's removed from my files as the reporting of late payments has affected my credit score for 2 years.
There is incorrect personal information on my credit report. Incorrect variations of my name are showing on the Transunion report as well as an address that I have never lived.
Equifax and XXXX XXXX keep messing up my credit report. They keep launching a investigation every 30 days on the same problem. For 2 months now we have disputed incorrect information regarding XXXX XXXX XXXX XXXX. The account and car was charged off over 3 years ago. And we have already been through this process with XXXX XXXX and even had the CFPB involved years ago.As they violated collection practices. And they continue to report inaccurate information. At first it was a XXXX $ balance as it should be. But they kept reporting late payments for over 3 years after the charge off. Now they went back and fixed the late payments report. But now they say are reporting a balance of XXXX $ on the report. They keep making us wait 30days and its the same account. It has been close to 60 days since this was first reported. And It has been over 30 days. Equifax call center is in the a different country and we ca n't get anywhere with them. This XXXX XXXX needs to report XXXX $ balance and no late payments for the last 3 years since charged off. It is hurting the credit and we have enough
On XX/XX/XXXX I received an ARM Letter from Nationstar Mortgage stating the following " Under the terms of your Adjustable Rate Mortgage ( ARM ), you had a XXXX month period during which your interest rate stayed the same. That period ends on XX/XX/XXXX, so on that date your interest rate may change. After that, your interest rate and monthly payment may change every XXXX month ( s ) for the life of your loan. '' This letter also states the current interest rate is 3.625 % and the current monthly payment is {$960.00}. According to the Truth In Lending Statement I have the next interest rate adjustment is n't until XX/XX/XXXX. Further more my most recent monthly statements state that my interest rate is 6.375 % and my monthly payment is {$1100.00}. Even though the past due notice that I received on XX/XX/XXXX states my payment is {$980.00}. To add to the confusion the difference between the amount owed on my XXXX statement and my XXXX statement is {$1000.00} even though the payment is state as {$1100.00} on both statements.
I have disputed XXXX XXXX XXXX with Transunion from the first time it showed up on my report. Because XXXX XXXX XXXX service can give Transunion just my name and address but no signed contract or documentation to support this, Transunion continue to accept this as sufficient documentation of my owing this debt. All documentation of me writings XXXX XXXX XXXX ( per Transunion request and me providing XXXX XXXX XXXX the information requested of me ), XXXX, and FTC along with supporting documentation of XXXX XXXX XXXX not responding to me and XXXX and FTC was sent each time by certified mail. I was information when dispute was made to speaker with their special handling division each time and they will dispute. I informed them that after a consist years of dispute and no proof provide. This need to be removed.
I received a letter a week ago stating Chase is changing the Annual Percentage Rates [ APRs ] as described because my APRs they offer are below rates they currently offer. My revised rate will now be 12.24 %, instead of my current rate of 7.4 %, and will be based on the prime rate. 
I want to state that when the card was taken out in 2002 the interest was 11 or 12 percent based on the prime rate.It could have gone up then, but the prime was lowered, therefore the current 7.4 %. 
It is not fair to raise it that much this early, with the chance of the prime rate set to rise in the coming months. We have been good customers, paying more than the minimum payment, and on time. 
This particular Chase card is listed for XXXX XXXX, with XXXX XXXX as co owner. Our address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX. XXXX. 
Address : Chase XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX
On XXXX XXXX 2014 I came to an agreement with XXXX with XXXX XXXX to pay a total of {$900.00} at {$50.00} a month. Agreement number XXXX. By XXXX XXXX that debt had been sold to Pinnacle Credit Services, who placed it with XXXX and XXXX. XXXX and XXXX has drafted {$50.00} out of our account every month since. Pinnacle placed something on our credit report. Today when I called to verify the balance, I was told there was no payment agreement and the balance was {$720.00}!
XXXX has taken the debt companies explanation of terms and conditions of a XXXX  office where I never received any service nor signed any wording abligating me to pay for services my at the time XXXX year old daughter never recieved. There is no valid proof of the debt from a sleepy debt firm with thousands of complaints for extortion and an account that is completely invalid the office extorted me to take my XXXX  review down in order to wipe the debt that never should have exsisted XXXX XXXX XXXX
I requested that XXXX remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at XXXX on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
My Equifax score went down over XXXX points and I cant figure out why. I did have a card go over limit ( XXXX XXXX ) because they added my annual fee which put me over my credit limit. I immediately paid the bill to get it back below the limit and I cant believe this would lower my score by over XXXX points. There were no other changes in my accounts, everything paid on time. Please help!
Bank of America refused to give me a loan modification.   Bank of America originally said that I could get a loan modification.   They kept demanding paper after paper after paper.   and asked for income tax many times.   All of this went on for months.   Finally, I got a letter that they refused to give me a loan modification.   Furthermore, they would never let me speak with any manager in the department.   I am having a very difficult time and it seems all they want is to redo my loan which would be {$3500.00} per month which I can not afford.   PLEASE, HELP ME!!! I AM IN A HARDSHIP SITUATION.   I NEED A LOAN MODIFICATION THAT THE BANK ORIGINALLY OFFERED AND THEN REFUSED SAYING THAT IT WAS N'T AVAILABLE.   THANK YOU.     I received a call this morning,  XXXX   XXXX , at approximately  XXXX   XXXX   Pacific Time  from  XXXX   XXXX . He said he was a Bank of Americ a Resolution Specialist an d he just kept repeating like an endless tape. He told me they are a debt collector and wanted to give me counseling telephone numbers which I told him I wasnt interested in. I asked him why he called and he said something to the affect about the loan modification ; basically that they cant guarantee the loan modification. He just kept repeating all the information to the point absurdity. This phone call was a waste of time ; he had nothing to tell me except that they couldnt guarantee a loan modification. I learned nothing new this phone was a total waste of my time. He said he will call back but he probably will have no new information and that will be more waste of time.
I have previously disputed this credit card account from XXXX XXXX XXXX with both Equifax and XXXX XXXX XXXX. I have disputed the account several times and each time receive a different response from Equifax. The updates/responses I have received are- no payment information provided on my report or incorrect payment information reported on my account. I have also written to XXXX XXXX XXXX asking them to provide me with the payment history on the account and to verify the accuracy. I continue to get the same form letter from them which is attached as a file below. 
This account was charged off XX/XX/2009, it has been charged off for more than seven years and should be deleted from my Equifax credit report. I have experienced re-aging on this account multiple times. And seen from the screenshot below there is no payment information attached to the account right now just a last payment date which is not accurate. Additionally this account was showing as removed and then re added the screenshot is attached. 
Please delete the XXXX XXXX XXXX credit card account from my Equifax report.
I did not authorize XXXX checking my credit, I have had an account with them for some time and recently received information from them stating that my credit limit had been raised. I placed an order on XXXX XXXX, 2017 as a XXXX gift. I was charged in addition for the merchandise, {$41.00} for expedited shipping. The merchandise was never received, I noticed last week that they had checked my credit. I monitor this report frequently and did not authorize anyone to check my credit. I spoke with them today and they told me I had to call back to cancel the order because it had shipped today. I sent them an email on XXXX XXXX cancelling the order because it did not arrive on time. I called today to cancel the order again when I was notified it had shipped today. They told me there was nothing they could do and I should wait a few days and call back when the order was delivered. The persons I sent the order to will not be at the address any longer so I do n't want anyone else getting this merchandise. They told me today that the reason it was late was because they had to check my credit. I did not authorize this and would have paid for this order rather than have a hard hit on my credit report.
I purchased an airline ticket with XXXX XXXX on XXXX XXXX. Along with the cost of the ticket itself, there were charges for ancillary services associated with the air ticket. ( See attached AMEX Statement 1 ) Within the time period provided by XXXX XXXX for cancellation and refund ( 24 hours, if I recall ), I cancelled the reservation. XXXX XXXX explained they were refunding all of the charges. Over the following days, XX/XX/XXXX-XX/XX/XXXX, credits for the flight were issued. ( See attached AMEX Statement 1 ) This attachment shows XXXX charges associated with the original ticket purchase and XXXX credits posted to the account in equal sums. 

As of this date, XXXX XXXX, there was a charge posted to my current billing statement posted to my American Express card for one of the charges associated with the ticket. ( See attached AMEX Statement 2, see {$190.00} XXXX XXXX charge. ) In speaking with XXXX XXXX, they are not able to look up receipts for tickets issued longer than 14 days previous. They were not able to explain what the charge appeared, despite my explanation that the charge was posted now, not in XX/XX/XXXX. They are filing a request for the receipt which will come within 14 days. 

In speaking with American Express, they find XXXX charges on my account associated with the original ticket. XXXX of these charges is for the {$190.00} authorized on XXXX XXXX, but posted on XXXX XXXX. However, they find XXXX credits associated with refunding the original ticket. Their assumption is that XXXX issued all of the credits, but not all of the charges. They assume XXXX realized the error and issued the {$190.00} charge in XXXX based upon a XX/XX/XXXX authorization. 

If this is the case, then I will also be seeing a sixth charge posted to my account in the coming months should XXXX realize the error. This sixth charge, the largest of {$970.00}, already appears on my account statement. American Express representatives explained they do not find this charge on my account. Therefore, it remains unclear if this charge has or has not been posted by XXXX XXXX to my account. 

I would like to know if there is any obligation on the part of the vendor to post charges in a timely manner, based upon the authorization date. 

What seems the error of XXXX XXXX is causing great difficulty as the XXXX charges should have already been posted and refunded. As you might imagine, news that the charges are appearing in XXXX from an error in XXXX severely complicates my monthly financial budget. 

It seems that there should be a fair and reasonable window for vendors to post a charge that is reasonably within the authorization date. It is not intuitively fair that the reconciliation calendar of XXXX XXXX accounts should so heavily burden my own monthly billing.
I was an out patient for XXXX, Total time in and out was 3 hrs I payed all copay 's, my insurance payed in full the hospitals charges, A few weeks later I receive a bill from the hospital saying I ow them {$2500.00} for services rendered, I asked for an itemized bill to see what these charges pertained to, And the hospital refused to submit this bill to me, knowing that after talking to my insurance company that this was paid in full, at which time they the insurance company suggested that I get an itemized bill, the insurance company stated that there 's been a lot of medical fraud buy hospitals over charging patients, for such things like {$15.00} for a XXXX, {$100.00} for a pillow, {$75.00} for a disposable gown etc, It was then that the hospital immediately turned this in to a collection agency i believe to force me to pay this fraudulent bill, which has also blemished my excellent credit record, The insurance company would like to compare this extra bill i 'm being charged with to what has been payed for and double charges or ridicules over charges.
at the end of XXXX around the 25 USAA started putting money into my account for some unknown reason claiming it was due to fraud. On XXXX sixth the took two recovery amounts out of my account one being for XXXX the other for XXXX causing my account to be in the negative for a total of XXXX they will not say why other than it is due to a fraud case that I did not file.
I applied for a home rebate credit card with Wells Fargo to accept a 0 % offer and accepted a balance transfer offer included in that. Upon receiving my card the balance transfer was not processed. I proceeded to complete it online with no complaints, but then inquired via phone first to ensure that my balance transfer would apply towards my home rebate offer. They confirmed it would not so I explained that I would not want the balance transfer to be processed. The representative assured me there was no balance transfer processed on my account, however days later I learned from my limited available credit they had processed a balance transfer to my other credit card. I called and advised I would need it reversed as I had not authorized it, or if so had expressed that I did not want it as they did not advertise that balance transfers were not included in the offer. They also had charged me a fee that I was requesting to be credited. Wells Fargo representatives informed me I would need to proceed with a fraud claim and be issued a new card and that would cancel the balance transfer made on the old card. I did that waited XXXX days to get my new card and the balance transfer amount of XXXX had been credited back on my card, but not the fee. I called again, and was told it can take 7-10 more days and I would need to wait. I did, however in the mean time I checked my account because I had made some rather large purchases and discovered not only had the applied the balance transfer fee again, but I now ( because of my purchases was massively over the credit limit ). I called again and this time was told I needed to contact my other credit card company ( XXXX XXXX ) because there was now nothing we could do. XXXX XXXX stated that they could have reversed it, but it was a small window, and the fact that Wells Fargo had given me the runaround for XXXX weeks, that window had passed. I called Wells Fargo again, where I was hung up on after requesting for further management to resolve the issue. I do not want my credit negatively impacted nor do I want to have the balance held with a company that does business like this.
equifax did n't take appropriate measures to protect my SSN, DOB and full address. This greatly exposes me to fraud over the next several years. 

Having Equifax offer an opt-in solution for a single year is far from sufficient - because its easy for criminals to just sit on the data for a year before using it. Also since the protection is opt-in, you can count on low participation rate. I 'm sure Equifax knows all of this.
This Debt collection company XXXX XXXX XXXX has called many times to collect a debt in the amount of {$370.00} They have also reported this debt to the credit bureaus lowering my credit score. XXXX XXXX XXXX is not licensed in the state of Michigan to collect debts.
GM Financial Settled " Settled less than full balance '' their account that was opened in XX/XX/XXXX that is currently closed. They updated my credit reports showing different statuses on all 3 credit bureaus. The information they have on each report is different. 

On XXXX  PAYMENT STATUS states : " legally paid for less than the full balance '' with a STATUS UPDATED date of XX/XX/XXXX with an original balance of {$17000.00}. This shows positive on my report as it states PAID. 

On XXXX, there is nothing showing in PAYMENT STATUS, thus showing the account as derogatory. The date under STATUS UPDATED and BALANCE UPDATED is the wrong date ( XX/XX/XXXX ). 

On XXXX, under PAYMENT STATUS it shows " Bad debt/placed for collection & skip '' as opposed to settled/paid for less than full balance ''. Thus showing it as derogatory. Under the section YOUR STATEMENT, they filled in " settlement accepted on this account paid charge off ''. That is not my statement as I have not made any statements. They also put this under their comments. It would have been helpful if they put this under payment status instead. 

Since the account has been settled, could they please show that in the Payment status section as " SETTLED AS PAYMENT IN FULL FOR LESS ''. 

Either consistency or deletion is helpful. Thank you kindly.
nterestingly enough, Experian is incorrectly reporting XXXX of my student loans with having late payments in their history. Experian has reported that I was 60 days late in XXXX, 90 days late in XXXX, 120 days late in XXXX XXXX and 120 late XXXX XXXX. This is simply not possible since these loans were in forbearance at the time Experian claims that they were late. Repayment was not due to begin until XXXX ; since no payment was due until after Experian claims I was late, the Experian report must be corrected by removing these late notations for student loan with date opened XXXX/XXXX/XXXX and disbursed by the Department of Education on XXXX XXXX, XXXX. Attached is the Experian page report showing I disputed this and Experian claims they verified it and did not change it. Also attached is the document from XXXX showing all my loans were due XXXX so there is no way this can be late. XXXX