WillisBack/dataset-financial-user-claim huggingface dataset:
I faxed over paperwork proving that XXXX XXXX received and accepted a full settlement for less than balanced owed with the XXXX 
Equifax refuses to accept the document as factual with the supervisor telling me that the have no real proof of the authenticity of the faxed document. Even though there is a phone number on the letter that they can call to get verification. They have contacted XXXX XXXX who keeps reporting that there information is correct which is totally different than the documentation I have regarding this matter. 
Also, I have a public record form XXXX XXXX regarding this same account. The courts updated my judgment as " satisfied public record '' with the same exact letter from XXXX XXXX XXXX XXXX. 
Both XXXX and XXXX deleted my public record from my file but Equifax will not. They keep asking for a withdrawn form from the court stating that the file has been withdrawn or to have the court house tell them I no longer have this record. I called the court house three separate times and each time, different office clerks have informed me that they do not issue any other forms as proof of a withdrawn record except for the same information I already have. Also, the court clerk said they have nothing to do with the credit bureaus. Than the Equifax supervisor told me they ca n't remove the public record due to some Federal law but, when I told them that XXXX and XXXX both removed the record on the strength of judgment letter that they looked up in the court database. The Equifax supervisor changed her story and said that all XXXX agencies do things differently and they do n't look up court records in the database. I told her the court office told me there are no other forms they can give me. So, the Equifax supervisor told me there is nothing she can do. The Equifax organization is under trained and lazy. they refuse to put in the necessary work needed on the expressed interest or fairness due me, the consumer. it 's awful that they have so much influence but are not held accountable for their poor performance and lack of knowledge. Saying they do thing differently and dismissing my paperwork as fraudulent without putting in the work is an outrage and definitely not acceptable.
I confronted Bank of America in XX/XX/XXXX when I realized that bank of America gave away my direct deposit statements away to someone that's not on my account certified stamped and signed by a bank manager that worked at the bank and was later able to use in court. I found them in my daughters mothers financial packet at the courthouse. They said they would do an investigation and get back to me. I waited a couple weeks for them to get back to me and when I explained the issue to them and they told me that I should go get a police report in the state that it happened in. I then reached out to the CEO of Bank of America and he then had XXXX the regional manager for that region or branch call me. She then said she was going to do another investigation and get back to me within a week. She got back to me and said she couldn't find nothing but they will put a special team to overwatch my account. I told her that doesn't prove anything and asked what my case number was and she told me that she couldn't give me that information. I then reached back out to the CEO and got a call from XXXX again and she said they would give me {$500.00} dollars for what I went through and I declined the offer. My daughters mother was able to use my proof of income coming from the XXXX to scheme the system and manipulate her finances in her favor to get more money out of me. I recently reached out to XXXX XXXX the resolution specialist a couple times last week then got a call back from her on XX/XX/XXXX and she stated they weren't able to verify the time and date of when this occurred when I have the proof of when it did it states XX/XX/XXXX and she also said it was to long ago and said because I have my mother on my account that it could have been her. All it looks like is that bank of America knows they messed up and isn't trying to own up to there former manager signing off on a certified document and having a way of not being caught in the system. That is not my issue that they can't verify or find out the exact date and time of when she did it, all I know that it was signed and had all my recent direct deposits from XXXX to XXXX because she had court on the XXXX of XX/XX/XXXX. It was found at the courthouse and used fraudulently without my consent. They should have a system in place that employees or managers can't get into your information without having my consent to give away my information so freely to someone that has no right to have my personal information in the first place.
I was buying hockey tickets off of XXXX. I used the app XXXX, backed by my PNC bank account. I sent the transfer over of {$400.00} on XX/XX/19 for the 4 tickets. I never received the tickets. 

I Immediately contacted my bank to dispute the transaction, they said they were unable to do anything. 

I went to the XXXX county maryland police department on XX/XX/19 and they refused to file an investigation
On XXXX/XXXX/2015 I received an overdraft fee in the amount of {$35.00}. I was told by the manager at the XXXX branch that it was caused by the XXXX XXXX preauthorized debit. As you can see on Document # 1, XXXX XXXX was posted to my account on XXXX/XXXX/15. Then on XXXX/XXXX/15 I was able to withdraw {$130.00} out of my account because I had sufficient funds available. As you can see, on XXXX/XXXX/15 I had a balance in the amount of {$5.00} which would have covered the XXXX XXXX transaction. Once again, this a plot to take money from the consumer. I asked the manager what time did the preauthorized debit post, she did n't have an answer but she told me what time ALL the other transactions posted. The bank is refusing to give timestamps for preauthorized debits just so they can get the overdraft fees. As I explained to her as well if XXXX XXXX was the transaction that overdrew my account, then why does n't it reflect on my statement. There are no parentheses showing that my account was in the negative at any given time. Anytime your account is in the negative, it will have parentheses around that item. So either way this is deceptive practices.
On XX/XX/XXXX Roundpoint Mortgage issued a check out of my escrow account in the amount of {$1600.00}. My XXXX County Property taxes were {$1400.00}. This removal of funds from my escrow account lead to my escrow account being short for my tax payment. I was sent a letter by Roundpoint to pay over {$300.00} to get my escrow account back to where it needed to be. Then on XX/XX/XXXX Roundpoint supposedly issued a check for {$66.00} when a month prior had requested me pay {$300.00}. I did not receive this check. So the funds should be counted in my escrow account. 

On XXXX XXXX both I and Roundpoint mortgage received my annual notice of asessment from XXXX County Board PF Tax Assessors assessing my taxes at {$1500.00}. I filed a complaint with the CFPB in XX/XX/XXXX for Roundpoint and National General ( who services Roundpoint Mortgages escrow accounts ) for non-payment of my annual homeowners insurance. On XX/XX/XXXX Roundpoint removed {$330.00} from my escrow account. My current escrow balance is {$780.00} which will not cover my {$1500.00} tax bill in XXXX. 


Since purchasing my loan from XXXX XXXX, Roundpoint has mismanaged my escrow account. That have caused undo hassle, stress, and inconvenience by Constantly removing funds from my escrow account and then requesting that I pay a shortage. I feel as if this is fraudulent activity to lure me into having to pay fees for not maintaining an adequate escrow balance.
Hello, I apologize if I have submitted the wrong form. I am not sure if this is a credit card issue or bank account issue. 

I recently applied for a credit card with Bank of America ( " BOA '' ) and was approved immediately. I had a dormant BOA account with a minimal balance ( under {$20.00} ) that I hadn't used in years and just forgot about. When I logged into my BOA account to check my credit card balance, I noticed that my dormant BOA account had a negative balance. BOA started charging me a monthly maintenance fee since I applied for the card. BOA had not been charging a fee during the dormant period. 

I spoke to BOA credit card today and they have no clue how this happened. They spoke to the deposit department who said I needed to bring the account current and then the account could be closed and the fee would stop. The BOA credit card representative said the credit card would reimburse whatever I had to pay to become current. 

The reactivation of my dormant account upon receiving a credit card was never disclosed to me. The credit card department said this should not have occurred. This seems like a sneaky XXXX XXXX like trick on consumers.
US Bank 's online account access site, in its Balance Transfer customer flow, states that a balance transfer can not be requested above the cardmember 's total available credit. This is factually false, as US Bank has a secret cap on Balance Transfer requests not disclosed in the CMA and not called out, or even alluded to in the online request screens. This secret cap is known only to customer service agents. When I called US Bank customer service on XX/XX/14, the representative knew about the secret cap but was unaware of how to calculate it. She had to confer with a supervisor for 10 minutes to be able to explain how it worked. She then stated that it would be easy for cardmember 's to figure it out, even though 1 ) it is disclosed nowhere and 2 ) phone agents themselves are unable to figure it out on their own. US Bank should be required to disclose their secret rules for the amount a balance transfer can be requested for. I had to try three times, getting rejected over and over, until someone finally was able to dig up the balance transfer authorization rules used by US Bank.
There is an account on my credit report listed as Federal Bond and Collection stating it was opened in XXXX 2015 in the amount of {$2500.00} but the current balance owed is {$4600.00}. This is a fraudulent collection as I did not open any accounts or loans around that time and in those amounts. There needs to be documentation produced to prove this collection is valid and belongs to me.
I do n't know about this account I did contact this company already and they said they were going to remove it from my credit report but now they 're contacting me about this account again
I recieved a letter from IC system, I got this letter months after it was sent Due to the fact that I'm in XXXX at a really remote location near the XXXX border in the XXXX region. It took the mail almost 3month to get to me. Once I recieved this letter I paid the bill ... this is the confirmation numberXXXX, ,now this has affected my credit score ..and I'm trying to rebuild my credit ... I settled with them for XXXXusd. I'm asking that they remove this hard inquiry off my credit history. 


XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ( XXXX ) XXXX I C SYSTEM INC XXXX XXXX XXXX XX/XX/XXXX {$530.00} {$530.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Reviewing my husband 's credit report and mine, we found heinous amounts of misinformation. Downright lies from banks, mortgage companies and mortgage service providers ... .all reported to XXXX XXXX The lead offender is Bank of America. Due to all these errors we have not been able to refinance XXXX of our homes and have been paying higher mortgage interest and the misinformation has spread to XXXX XXXX and XXXX, not to mention everyone who looks at any of our reports.
Despite the fact that I filed for bankruptcy, XXXX XXXX XXXX is contacting my relatives in an attempt to collect on a debt that has already been discharged in Chapter XXXX bankruptcy
Equifax Credit Bureau continues to allow XXXX XXXX to report fraudulent information towards my credit report. I have filed several complaints concerning this issue. My Equifax credit report has this account as a " charge off '', delinquent, and 90 days past due 26 times. This account was included in a chapter XXXX bankruptcy on XXXX 2011. The account has been paid in full. My complaint is with Equifax for allowing this company to report fraudulent information. I 'm requesting to see the documents Equifax received from XXXX XXXX concerning this account. In addition, Equifax has two XXXX 's accounts listed on my credit report. I had only one. The bankruptcy is public record and had Equifax done a thorough investigation, I would not be having to file another complaint.
I have been trying to work with Bank of America to refinance a mortgage. I have never missed a payment and have been a customer of the bank for over 30 yrs. They are currently charging 8.79 % interest on the loan and even with my good history refuse to refinance at a lower rate. I feel that I have been victimized by these people for at least 3 yrs. There has to be something that can be done.
XXXX/XXXX/16 I am a victim of ID theft and my information was used to apply for account which resulted in credit inquries on my report. I have contacted Equifax and told about this issue and they have not address it. 

Fraud Inquiries ; XXXX ( XXXX ) XXXX/XXXX/16 XXXX XXXX - BRANCH XXXX/XXXX/16 XXXX XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX/XXXX/16
My monthly payment is {$58.00}. Without notice, Navient changed my payment to be {$470.00}. I had to pay a {$30.00} stop payment fee as I was not prepared for such a large payment. I was able to cover it, but am not happy about it. I am changing lenders because of it.
XXXX XXXX XXXX  company has placed several collections on my credit report. I have not received any information from this in regards to what they have placed on my account. I have attempted to call and write them and requested written information verifying the validity of their information. They have yet to respond.
Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. One of each the following inquiry must be removed pronto from my credit reports as duplicates inquiries were NOT authorized:1. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status.
I have been the victim of identity theft fraud for more than four years. Someone obtained my personal information for the purposes of fraud in XX/XX/XXXX and again in XX/XX/XXXX, when my car was broken into. The thieves stole my vehicle registration, a copy of my drivers license, insurance card and XXXX suitcases full of luggage. 

On or after XXXX XXXX, someone applied for XXXX capital one accounts in my name and proceeded to use it and pay the bill as if it were their own. I have reported this fraud to capital one on more than XXXX occasions and they have yet to resolve this matter. 

On or after XX/XX/XXXX, I spoke with the fraud dept at Capital One and they stated that both accounts were being removed from credit bureau due to them being fraudulently opened accounts. To date they both still remain on my bureaus. 

I want these accounts deleted from my credit file and I want Capital One to remove all negative information from their database.
Needed to update occupancy of reverse mortgage with Champion Mortgage Co. misplaced request but sent it in when we found it. Also talked with their representatives twice on the phone to verify occupancy. The company charged us {$20.00} because they say they sent a representative out to verify occupancy but they will not send us a copy of the report and no one ever talked with us indicating they were sent out to verify occupancy.
I reserved a room at  XXXX   XXXX   XXXX   XXXX   on  XXXX / XXXX / 17  to be checked in at  XXXX / XXXX / 17  for the amount of {$220.00} through  XXXX , all because of the good price and the FREE CANCELATION note and I was supposed not to get charged until I arrive to the place. Soon after they sent me an email with their hidden policies, where they stated that for me to cancel it would have to be 14 days prior to the booking date. As you may understand I had gotten the special with the FREE CANCELATION note due to the fact that I may have to cancel if anything comes up with work. I tried to do so and the  XXXX    XXXX    XXXX  kept bombarding me with their policies and that I should had called  XXXX  says prior to the reservation, mind you it was 1 day before the actual check in date.     I politely hanged up the phone and resorted to call my financial services, in this case Chase Credit Card services. I explanied my issue and they did resorted to help with a dispute. However today on  XXXX / XXXX / 17  I received a call from such services and was told that the merchant had fought back with their policies, that the only way for me to win the dispute would be by providing them with a written notice that I  may  have received from  XXXX    XXXX    XXXX  saying that they will be refunding the money. I obviously do not have such notice because this is the reason to begin with why I made the dispute.     In conclusion they are just telling me that I have to give my money to this devilish resort for no service provided at all. I would not have a problem of maybe they offered me a free pass for another date but it is not the case. This is modern theft and I feel rob, Please help me.      XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX  )  XXXX
I received a loan modification from OCWEN and have made all the payments before the due date but they have assessed a late charge for every payment and have ignored my requests to have them removed even after I provided bank records. I assume they have reported the late payments to the credit bureaus.
Nationstar/Mr Cooper has added forced insurance and escrow to my account when I have insurance and have presented it multiple times. I filed a complaint with you XXXX XXXX, 2017 and now they have deducted for property taxes they did not pay and still deduction forced insurance. My account is a mess even though I have never missed a payment of principle and insurance. Now they are selling my account to XXXX XXXX. 
This forced insurance has been going on for months and numerous conversations from me and multiple faxs of declaration page has not resolved this.
I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY provide verification of the following  : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for  any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I Am Having A Problem With Problem With TD Bank With and Overdraft Fee That I Am Being Charge on My Saving Account for {$35.00} Dollars For A Transfer that was Made On My Account Via My XXXX Checking Account and TD Bank is Denied To Credit Any Fees On My Saving Account and Also Via The Customer Service Phone Number
On XX/XX/XXXX I purchased two {$50.00} XXXX XXXX & XXXX XXXX Gift Cards from retailer XXXX at their store in XXXX, LA. The cards were purchased using my Chase Sapphire Checking Account Debt Card at one of the self-checkout registers. The transaction posted to my bank account but I found out days later when I gave the cards to a family member that the cards were not activated. 
After checking my XXXX  receipt, it shows on the line item details, Invalid Barcode but it still allowed me to pay for the gift cards without activating the gift cards. 
I have been back to the retailer 3 different times now to try and resolve the matter, each visiting taking an hour or more. I have been referred to XXXX gift card customer support department by XXXX  customer support department and viceversa. Both companys support representatives say that their is nothing that they can do and that it is the other retailers responsibility to fix it. 
Today, I went one last time to the XXXX  store which I purchased the gift cards and asked to speak directly to the store manager. She was unable to help me and then sent out the Asset Protection Supervisor ... ..his name is XXXX and his statement was, There is nothing we can do to fix this for you because it shows that the transaction went through our system and if the wrong barcode was scanned it shouldnt have let you complete the purchase. 
After showing him that the receipt indicates Invalid Barcode and the transaction being completed dispite the wrong barcode being scanned, he said I dont know what to tell you. There is nothing that we can do. I asked to speak to his supervisor, and he said that his supervisor, XXXX, wasnt working today ( XX/XX/XXXX ) and to try back Monday at XXXX. 

I can not get my money back, and even though I no longer need the gift cards, I would still accept XXXX  issuing me new gift cards or activating the ones that I paid for. 

XXXX  Reciept ID # : XXXX Purchase Made with Card Ending in XXXX Card Holder Name : XXXX XXXX Amount of Purchase : {$90.00} Time of Purchase : XXXX CST Date of Purchase : XX/XX/XXXX XXXX  Store : XXXX XXXX XXXX , XXXX, LA XXXX XXXX Store Phone # : XXXX *Note - I was only charged {$90.00} for two {$50.00} Apple XXXX & XXXX XXXX Gift Cards because XXXX was offering Buy One get the second One 20 % Off, which was a discounted value of {$10.00}.
XXXX account reporting late on XXXX and XXXX 2015 when account was never past due.
Regarding XXXX Transunion stated that my complaint 's proper date of resolution should be in XX/XX/XXXX, I have proof that this issue should have been resolved on XX/XX/2018. Transunion made a material misrepresentation in it's reply to this agency 's inquiry. I have now been waiting two months on the review of my claims that Transunion is reporting a usury account in violation of NYS law. I have enclosed proof that Transunion received and acknowledged my complain on XX/XX/2018, additionally ; company has acknowledged receipt on past CFPB complaints
XXXX XXXX is showing as a late payment. These payments were deferred at the time and should have never shown as late in the history in XX/XX/XXXX and XX/XX/XXXX.
Credit Collections Services is reporting on my credit report fradulently. I've contacted Credit Collections Services and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also didn't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
We tendered lawful money to discharve alleged debt said to be owed by my " deceased '' husband and has been awaiti g the ceryification of release/duscharge from XXXX XXXX XXXX and Their Atty XXXX XXXX XXXX since XX/XX/2017. It more than a year and no response, only to receive a letter from CARRINGTON MORTGAGE SERVICES say if I want to deed the house pver to them then they will not auction it ... this was like a thu derbolt ... .shocking! We were not notice by XXXX of who this CARRINGTON MORTGAGE people are, no notice from them how they came to have control of my file. Also I was never noticed of a pending auction of my home. We learnt of this from co versation with other people and Reators. No proof given that I have been defaul or neglictful in this matter.