WillisBack/dataset-financial-user-claim huggingface dataset:
Unresolved account Settlement : As a final result, " we 've determined the payment was not cashed by us '', after all the payment are delivered to the address provided on the payment stub from the other Money Orders received and post it on my account! The result is unfeasible because it is leading me to believe that the Account Payable Department are going on lunches on my expense, cashing these money orders to different places instead of posting it to my account. 
Since than, I have sent XXXX additional payments, XXXX on XXXX/XXXX/2015 for {$210.00} and another XXXX on XXXX/XXXX/2015 in the amount of {$74.00} ( balance from adding all of my receipts and confirmed from the last statement of XXXX/XXXX/2015 ) which should bring the current balance at {$0.00} again. 
It has been my experience that Customer Service is well practice from the people working at the gas stations, always treated me with respect as well as the agents when calling about my account issues. 
Unfortunately, after submitting all of the supportive documentations several times about money order payments, written the same way, sent at the same address provided on the payment stub, confirmed legitimate address due to, receiving back the Certified Mail Post Card, and cashing them of which some are not getting post it on my account, causing the balance due to fluctuate outrageously amount after each time a manager get 's involve. 
Furthermore, I have great concern about how the company 's Account Payable Department is attending their affairs, such as : - The money orders are received, cashed, written and submitted the same from the ones that are post it as 'Last payment Amount '' and some that are not. 
- Continuation of " Current Balance '' fluctuating higher after payments received and confirmed by your agents. 
- Inconsistency about my account information when speaking to the managers that are disrespectful ( strongly suggest to lesson to your recorded calls ). 
- Repeatedly losing the money orders sent on a timely manner. 
- No confirmation by manager about the interoffice practice in your company. 
These factors are raising a great concern because it is SABOTAGING my account to possibly damaging my credit score. 
How would you feel if this would to happen to you? 
With all due respect, I am demanding that my account be resolve immediately of which it has been going on since XXXX 2015. Please, adjust all surcharges for late payments and to reimburse me of all of the money spent proving a legitimate business with your Company. 
I hope that you understand my frustration and help me about my concerns.
In XXXX XXXX XXXX sent me a XXXX XXXX of XXXX for a old credit card balance. So I reported it on my taxes. A few months ago, the old account that had XXXX balance started showing a balance on all 3 credit Reporting agencies. I disputed all 3 and sent a copy of the XXXX and a IRS statement that said it was cancellation of XXXX XXXX XXXX XXXX XXXX right away. XXXX and Experian did not. So I disputed it again. They still claim the account is verified and shows a huge late balance. The Balance should be XXXX. Can not get any into from XXXX XXXX about this. But it is causing me to have high interest rates and severely damaging my credit. The letters themselves are very easy to figure out. The account should not be showing a current balance. I do not understand why 2 of the  agencies can not figure this out. Its so simple of an error on there part.
CAVALRY PORTFOLIO SERVIC mysteriously added a negative account to my credit report. I monitor my report carefully. They date of the negative debt was during a time that I was traveling and I have not opened any accounts or new credit cards this year. They never appeared on my credit report until a few days ago claiming I was late on making payments. I believe they must have gotten my information when I applied for a car. It crashed my score by 50 points and now I have to pay almost an extra 100.00/month because of the information they placed on my credit report. 

I never did business with them nor do I have any missing accounts off my report.
I am very dissatisfied with the results of my complaint. It was against Washington Mutual whose loans were assumed by Chase. I received an unsigned document that was written by someone who had not taken the time to understand the scam we were drawn into. I have responded and am sending the CFPB a copy and requesting a follow-up inquiry to assure someone at Chase takes the time to review and understand what happened to us.
I have submitted XXXX complaints to the CFPB, called MANY times, then I gathered all of the information I was told was necessary for the CFPB to review the Lies and crimes that Caliber Home Loans has been committing, and is CONTINUING to commit on my mortgage loan. I NEED a status update on the submission I MAILED to the address provided, to ensure the CFPB received and reviewed the information I mailed. Caliber does NOTHING but Lie, and Lie more. I mailed almost XXXX pages of proof of this. Please contact me with the status of what I mailed to CFPB.
The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years not XXXX years. According to the credit bureaus the account staut will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate.
On XXXX XXXX,2017 I registered two sells with Coinbase,  the first was for Ethereum - {$500.00} - Ref : XXXX. The second was for LTC - {$500.00} - Ref:XXXX. Both transactions are marked " Completed '' on Coinbase 's website. They state an expected transfer delay for ACH bank transfers of 4-6 business days. I submitted a support ticket with Coinbase on XXXX, still no response. It has been exactly one month today and I have received no response to my support ticket, phone calls, nor have I received any payment ETA.
As a result of a matter concerning my identity being stolen 8yrs ago there is still high alert status when it comes to my credit and bank account, deposited checks etc.
My XXXX 2015 statement contained a charge dated XXXX/XXXX/15 from " XXXX * XXXX XXXX '' for {$290.00}. I have never purchased anything from this person or website. I disputed the charge as unauthorized. Capital One replied that the merchant substantiated the transaction and they would rebill me. What was provided to substantiate the charge was a printout of the merchant 's website ( which I did not recognize ) and a copy of the charge billed to the wrong expiration date, wrong cvv code, and wrong address. The only accurate piece of information was my card number, which has n't changed since I received the yard many years ago. 

I did research and noticed that this charge was also made by the merchant exactly one year ago. I did n't recognize it then either and the records show I disputed it and it was removed from my bill. 

I responded to Capital One 's rebill by letter indicating that the unauthorized charge was still disputed, that I never made this purchase, never used any product or service from this merchant, and to advise the merchant to stop billing me. I attached documentation of the previous dispute from a year ago. 

Capital One today sent me a letter saying " your request lacks all of the previously requested information to validate your dispute ''. Please see the attached letter Capital One is referring to. I provided all of the information possible. It is not my responsibility to contact the merchant to beg for a credit for something I never purchased. Capital One claims a {$0.00} fraud liability policy and they have failed to abide by it.
I financed a new car with Nissan Motor Acceptance Corporation. The 2nd payment is noted as late on my credit bureau. Nissan admitted they made a mistake and removed the late payment from my XXXX report but left the late payments on XXXX and XXXX. Multiple disputes have been submitted with no results.
I contacted XXXX XXXX to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for XXXX a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect XXXX and that is the statement that I would be responsible for. I made the payment of XXXX but they debited my account for XXXX, which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of XXXX removed and the 30 day late mark removed as well.
I went through a very turbulence time of my personal life, iwas not aware that bank of America have systematically release fund from my acct to a hacker, I found out and have contact the bank fraudulent department they have reverse some money but during that period the bank also charges me approximately 1300 to 1400 overdraft fee I have demand them to give back the fund they have refuse and claim it was to old, I have been a victim of both side please help
A collection report was posted to my credit report after paying the debt in full to the original creditor. There a 3 from the same original creditor that were set up on a payment plan. The debt was payed in full in XXXX/17. The new creditor is trying to collect on this same debt 3 months after it was paid in full to the original. I will include the Bank documents to prove it. It infuriates me that they are reporting falsely and that I have to spend time fixing. I 'm pretty sure it 's illegal to try and collect a second time on a debt.
Started XX/XX/XXXX trying to do a modification of the loan. They asked for paperwork which we sent several times because they kept telling they did n't get it and also kept asking for more paperwork. We did this at least 6 times. This went on through XX/XX/XXXX. We kept calling them each to make sure they received the documentation over and over. We never heard from them after XXXX through XX/XX/XXXX. When we finally heard from them again XX/XX/XXXX, they told us we were now in Foreclosure. We have done everything in our power to get this resolved with no help from anyone at Wells Fargo. No one ever returns our phone calls. When my wife finally talked to a representative ( her name is XXXX XXXX - phone # XXXX ) she told my wife that we would have to liquidate ... she did n't explain what that meant or anything. She just hung up. 
I also do not believe the appraiser did an accurate job on the appraisal. There is a basement and I do n't believe he included any of that square footage. 
I have now have a full time job and am no longer self employed. I am working 7 days a week and working lots of overtime to get this remedied. We do not want to lose our home and we are doing everything necessary to keep it. Thank you so much for your time.
They call every hour of the day and refuse to tell me who they are. I have asked them to stop calling me. They are verbally abusive and offensive. Every time they call I ask for the name of the company and who I am talking to. He or she refuses and says I owe them money. They refuse to tell me what it is for. They call 4-8 times every day.
After I get divorced, the Court give the warranty deed of the house located XXXX XXXX, XXXX XXXX Texas zip code XXXX, after this my ex wife mist a lot of payments and get bankruptcy with out my knowledge, this is affecting my credit score, I need the lender remove this of my record because I am not responsible at this time for the payments company responded and provided supporting documentation that does not belong to me.
American adjustment bureau continues to report to all 3 credit reporting agency 's on 3 different amounts and medical original debt. I have requested confirmation from the collection company to verify that I received a product or service, proof that they gave a contract to collect in behalf of original creditor and or an assignment of debt bought. I have only received a printed copy of there statement and noting that shows my id, signed paper. Any hospital or medical always asks for id. Also they have said I am unable to locate yet reside at same address as if XX/XX/2007.
Hello all, This debt is based up on my XXXX XXXX which I stopped using it two months after getting it. Now, I receive this debt with an amount of XXXX USD even though I had the XXXX XXXX device at home. I would like to receive details of the amount that the company XXXX XXXX XXXX XXXX XXXX XXXX is asking me to pay. I will appreciate receiving information about it. The letter was received XXXX XXXX,2017 from Transworld system Inc based on the debt had with XXXX XXXX XXXX XXXX. Best Regards, XXXX XXXX XXXX
To whom it Concerns, I currently have a mortgage that is held by XXXX XXXX. This loan was made in XXXX, XXXX. My original loan Servicer, XXXX XXXX, handled my loan and encouraged weekly and bi weekly payments. I made 3-4 payments per month, also making {$100.00} extra per month since I purchased my home. My Loan Servicing company changed in XXXX XXXX to Specialized Loan Servicing ( SLS ). I continued to make my partial payments for 3 months. Unfortunately, they have told me that their system is unable to properly process these partial payments. As a result, they applied my payments to principal ONLY and disregarded it as payment towards my monthly payments, and now my loan has now been reported to the Crediting Bureaus as Delinquent. Upon the request of SLS, I quit making partial payments with no resolve for prior payments, and after NUMEROUS phone calls, Certified Letters, and Faxes, they have not fixed anything per my requests. I have provided them with ALL payment information of 100 % monthly PAID balances. They have not fixed anything, nor care to. I do not know what else to do. I am 100 % on time, every time with my mortgage, and because of their SYSTEM ERROR at SLS, they are now reporting Delinquencies to the Crediting Bureaus. Please provide me with some assistance or information on what to do, or who to call. Thank you for your time and have a great day!
Hello, I had a fire claim and initially the full proceeds were told to me from Chase Branch to release funds within 5 days on two installments. 

Then that did not happen. Then I was told 70 percent had to be completed.

I had two inspections, one inspection 20 percent was done.

Second inspection 70 percent was done and still no release of funds so I can finish my job.

Still remaining funds have not been released. I am getting the runarounds and can not finish my job since I am the contractor.
I received notice that my personal information was compromised through the cybersecurity breach of Equifax on XXXX/XXXX/2017. I filed a 90 day fraud alert on my credit profile on XXXX/XXXX/2017 and I am waiting to determine the extent of the breach before taking further action.
I have a hard time financially i have been overdrafting my account every week, but they Charge me fortalece every transaction i Made not only foro the one that overdfrat my account, and i hacw more thanks {$2000.00} on overdrafts fees on this year, calle them explain my situation they reverse me {$140.00} and didnt't explain anytihing now i review it they Toll me since they already make a reversal they aren't able to help me.
I filed a bankruptcy in   XXXX   there are inquiries on my report I am not aware of. I was under wage earner from  XXXX - XXXX  when I was discharged. In  XX/XX/XXXX  an inquiry was done for   XXXX   XXXX  ,  XX/XX/XXXX   XXXX ,  XX/XX/XXXX    XXXX   XXXX  .  XXXX   XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX . I never heard of   XXXX   XXXX   XXXX   XXXX   until I learned I was a victim of identity theft.
This company did not even give Me a chance to pay. Three people signed our lease agreement, our father just cosigned. The bill in question was always going to be paid but we never got a bill, yesterday Our father was served with an intent to file, even though we are the actual signees, and they will not allow us to even set up a payment plan. Our father speaks broken english but has assets, and they are trying to take advantage of him and scare him into paying them in full by making him think he will lose everything if he doesnt cut them a check in full for our bill. These people are preying on someone who they know doesnt fully understand the situation.
I sent in a letter for validation with electronic return receipt and it was delivered on XXXX XXXX, 2016. It is now XXXX XXXX, 2016. I have not received a letter of validation. I called XXXX on XXXX XXXX, 2016 asking for the account to be removed since I did not receive validation and it 's been more than 30 days. Their response was that Diversified Consultants verified the account with XXXX on XXXX XXXX, 2016 but I still did not receive validation as I 've asked. Now I am requesting deletion but XXXX refuses saying that they will send validation in 7-10 business days. It 's been longer than the 30 day mark.
In XX/XX/XXXX my husband and I filed for Chapter XXXX Bankruptcy. In regards to this particular account, Wells Fargo Home Mortgage, we filed a Chapter XXXX Individual Debtor 's Statement of Intention onXX/XX/XXXX. We stated that the property would be retained in the bankruptcy and the debt was to be reaffirmed. We claimed the property as exempt. We had never been late or delinquent on this account. Neither us nor our lawyer received any documents from Wells Fargo after this submission. In XX/XX/XXXX we visited out mortgage broker to start the process of qualifying for another home loan, as we are ready to purchase another home and sell this current home we are in. It was discovered on our credit reports that Wells Fargo reported to the major credit bureaus that our mortgage account had been " Included in or Discharged through bankruptcy ''. Wells Fargo quit reporting on this account inXX/XX/XXXX. In each phone call to Wells Fargo we have been told different information. In one call the customer service representative told us that they do not send out reaffirmation letters. In another one told us they sent us one, that the letter would have gone to our attorney 's office. When I asked for proof that this had been sent they told me they only send them regular mail via the US Post Office and could not provide that information. Which I found odd since any letter that they ever sent us was also available online to view. I then contacted my attorney 's office who filed bankruptcy for us. Their office told me that EVERY reaffirmation letter they receive from ANY creditor is sent either XXXX or XXXX or USPS with delivery confirmation/signature required so proof of delivery is available. I have filed multiple disputes with XXXX  and XXXX with no changes made. I have sent them all the supporting documents including proof of all payments made, Statement of Intent, a letter from our attorney 's office, and proof that we are current on our payment to Wells Fargo. How can this account be being reported as closed when we are clearly making payments to them? Today, XX/XX/XXXX, I was told by XXXX   that the documentation I provided was not enough for them to make any changes. When I asked what was needed the agent told me they don't have a specific list of what documentation would change the status because Wells Fargo is their client and they have to go off of what they are reporting. I feel the last 2 months of trying to dispute this have been a waste. What good are these credit reporting bureaus if they work for the companies that are reporting to them? Where is the consumer protection in this when there are disputes. This error on Wells Fargo part is severely impacting our ability to get another mortgage. OnXX/XX/XXXX I submitted all the same documentation to Wells Fargo and was suppose to have an answer from them by now about how to resolve this incorrect reporting/not reporting to the credit bureaus. I am including all documentation sent to Wells Fargo and the credit bureaus as well as documentation of all payments made to Wells Fargo.
During the months of XXXX, XXXX and XXXX I had fraud committed against me. My card was fraudulently used at several merchants without my knowledge or permission. I alerted my Son and together we called American Express and reported the activity we were assured we had nothing to worry about and they would be credited to the account ... See below DISPUTE INQUIRY NUMBER INQUIRY REASON AMOUNT Denied XX/XX/XXXX XXXX No knowledge of transaction or payment {$200.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$20.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$98.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$200.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$29.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$36.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$28.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$25.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$39.00} However, I just received my bill for this month and noticed they had refused my disputes and now expect me to pay for all of them. I'ma retired widow of XX/XX/XXXXyear XX/XX/XXXX XXXX on a fixed income. My social security does NOT cover this. I was a victim once and now a victim again of American Express.
XXXX XXXX HAS ME REPORTED TO XXXX & EQUIFAX AS HAVING A NEGATIVE ACCOUNT?? I CLOSED THE CREDIT CARD A COUPLE YEARS BACK DUE TO NOT WANTING TO PAY THE YEARLY FEE. THE NEXT THING I KNOW, THAT REPORTED ME AS HAVING A MISSED PAYMENT WHICH I NEVER DID. AND I GOT IT REMOVED BEFORE. AND NOW IT 'S BACK ON MY CREDIT REPORT AGAIN?!? AND THIS TIME IT HAS 2 MONTHS AS LATE AND THE MONTHS ARE EVEN REPORTING DIFFERENT.?!!? 
AND THEY HAVE BEEN RUNNING INQUIRIES ON ME AND I DONT EVEN HAVE AN ACCOUNT WITH THEM ANYMORE!!!?!? 

THEY CA N'T DO THIS. IT 'S HIGHLY ILLEGAL. AND IM GOING TO SUE AT THIS POINT. THIS IS RIDICULOUS!!
I had disputed with Bank of America for over a year the fact an account that had been closed, charged off and issued a XXXX for ( and filed and paid income tax on ) no longer had a balance owed but was still reporting as having a current balance due. In XX/XX/XXXX BofA finally confirmed in the attached letter that there was no remaining balance owed. The reporting was corrected on the three credit bureaus and I thought the issue was over. In XX/XX/XXXX I was declined credit and it referenced this account showing the old balance again showing due. I disputed again ( through the CFPB ) and received another letter ( attached as well ) indicating that the reporting was correct and referenced that the prior XX/XX/XXXX letter stated that as well ( IT ACTUALLY STATES THE OPPOSITE ). I have called and left phone messages and emailed the representative on the letter and received no response. Ironically I did receive the attached survey request from BofA regarding a return call I never received. My attorney has since written a letter ( see attached ) and has received no response as well. While he decides what to do next on his end, I am sending this additionally as an addition means to correct this issue.
I took out a mortage in XXXX. The mortgage payemets were affordable the first couple of months of the life of the loan. However, the monthly mortage payments skyrocketed within a the first year of the mortgage loan. The increased on my mortgage payments made it impossible for me to keep making payments on my mortgage loan. Now, I am trying to fix my mortgage loan by doing a a short sale but the bank is not allowing the process to go through.