WillisBack/dataset-financial-user-claim huggingface dataset:
My property was foreclosed and filed on XX/XX/XXXX by XX/XX/XXXX c/o XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX. The filing was in the state of Wisconsin , county of XXXX XXXX XXXX. The property was sold on auction on XX/XX/XXXX. XXXX sent me a tax form XXXX  for Debt cancellation of {$7100.00} in which I paid taxes on for XX/XX/XXXX filings based on fair market value of {$56000.00}. I recently observed my credit report for Equifax and noticed XXXX  was listed as open and a debt of {$5400.00} with last payment reported XX/XX/XXXX. I filed a dispute and was given the report that XXXX stated it was legitimate and then they reported I had two late payments for XX/XX/XXXX between XX/XX/XXXX, which dropped my credit score 14 points. They also reported me 120 days late. My XXXX  report states the same account and same amount, {$5400.00} with XXXX as Closed and Charged off as bad debt, Profit and Loss write-off.
I owed XXXX XXXX {$360.00} a couple months later, Pinnacle Credit Services LLC was on my credit report. Moreover, a year later i settled the debt with there XXXX party which i dont understand because t tey have a lot of XXXX parties. Anywayway upon payment it was agreed that the debt was settled and will be closed and taken off my credit report after 30 days. They sent me XXXX letters verifying account is closed. I disputed to all XXXX credit burueas twise and it is still on my credit report and they keep reporting.
I have sent correspondence to the original creditor XXXX multiple times, a 3rd party collection agency and now this company Radius global solutions. I have requested that they send me something bearing my signature on it showing I have contracted with them and owe them something. They have sent me statements, not any documents with my signature on it. I received a letter from Radius global solutions stating they expect this matter to be resolved by XX/XX/2019 and the letter is dated for XX/XX/2019. The expected resolution date is unacceptable as this is hindering me from obtaining credit and being asked to pay something without viable verification. XX/XX/XXXX is way beyond the 30 day period as that is required by the FCRA. I am also requesting that they do not send me statements!
The company 's response is not factual. My initial agreement ( attached ) in 2011 was with Kramer Linkie and Taylor, not XXXX XXXX and XXXX. As I stated, XXXX turned the account over to Nartey Law Group without notifying me. When my checks were retuned to me, I called XXXX and they answered the phone as Nartey Law Group. When I asked them about my account, they had no record of me or any payments. That 's when I decided I had better hire a lawyer. I then provided cancelled checks and we agreed to resume payments to XXXX, not XXXX. Then several months later, I received a letter from XXXX stating that they would garnish my account if I did not send them payments. I had never heard of XXXX. I then called XXXX and they told me the account was being handled by XXXX. I then called XXXX again and they said they had no record of me or any payments. I then called my lawyer again and we still do not have a resolution. I asked for a written confirmation from XXXX that clearly stated that my agreement was with them, not XXXX and that my payments would be properly applied and reconciled. I still do not have any confirmation, though I have continued to blindly make payments to XXXX because I do not want my account to be garnished and I do not want to incur more legal fees. I want two things : I want a copy of a written agreement transferring the account from XXXX and XXXX, and I want credit for {$1200.00} in legal fees I have incurred because of the incompetence or negligent handling of this account.
I would like to file a complaint against Walmart I was issued a credit card with a {$500.00} limit and I had some financial issues and made a few late payments, and not the full amount, but always paid, then when I was all caught up and paying steadily on time they reduced my credit line without any notice at all so as I was paying down my balance they were taking it away which also affects my credit score when I called to ask about this with customer service they were very rude and basically said that what I get for paying late ... I would not only like to file a complaint but I 'd lilke my credit line to be returned to where it was when I started because i 'm still paying interest on the full credit line not my balance this is not right and Walmart should not be allowed to do this to people i 'm sure i 'm not the only one they have done this to ... 


Thank you
My private information was released as part of the Equifax breach. I demand that Equifax overhaul and drastically improve their digital security to protect my personal information in the future. Their handling of this breach has been absolutely ridiculous and, as far as I can tell, borderline criminal. If there was a way for me to take my business elsewhere, I absolutely would.
I have been a customer of Bank of America for nearly thirty years. A supposedly secure Bank of America XXXXnline money transfer to another Bank of America account led to me to loose {$2400.00} in a fraud scam. 

My son recently moved to XXXX, XXXX and he needed my help in paying for an apartment. He found one and I signed a lease agreement. To move in, a deposit and two months rent needed to be transferred to another Bank of America account in the owners name. I requested to go directly to the bank to insure that the account was real and their was no fraudulent activity or suspicious circumstances surrounding the account. I was told by a Bank of America representative that this transfer could only be done online and the branch could not help me investigate the legitimacy of this transaction. I even argued with the representative that it wasnt a safe was to make a transaction like this online. Against my better judgment, I conducted the transfer online through the Bank of America website ( confirmation # XXXX ) on XX/XX/XXXX. The transfer went through and later ( XX/XX/XXXX ), I found out that my son was scammed when the individual did not go to the apartment to let my son move in. I texted the criminal questioning him why he had not arrived at the apartment to let my son in. The criminal sent me a photo of the money he withdrew from your bank and wrote Lol cash in hand acc closed. The picture depicted the same amount of money I transferred. 

I went to my local Bank of America branch ( XXXX XXXX XXXX, XXXX, XXXX  XXXX ) immediately ( within 15 minutes of discovery ) and spoke with XXXX XXXX ( Financial Center Manager- ( XXXX ) XXXX ), to report the incident. XXXX XXXX said there was nothing I could do. She told me the account I sent the money to was valid, and the transaction was between the two of us. She said the account was still active, so the criminal isnt worried about Bank of America stopping the theft. She advised me I was responsible for the loss, but she would send an alert on the account to be investigated. In the meantime, this criminally used account would remain open so the fraud could continue. The criminal still has advertisements for this apartment to be rented on XXXX and XXXX, and undoubtedly, will steal from other people. The bank employee said the criminal could continue to perform the same fraud on others even after I reported the fraud. I did warn XXXX and XXXX about the situation and was sent an e-mail the ads were removed. 

I find it hard to believe even after a customer warns a bank of fraud, the bank assists the fraud by allowing fraudulent transactions to be deposited in their bank accounts. To add further insult, the bank refuses to reimburse the customer. 

By performing addition internet searches of the suspects cell phone number through a search engine on my cell phone, I found that the suspect has been doing this scam for a year, likely with the help of Bank of Americas online money transfer system. I originally used my desktop computer to search for any reported fraud associated with the apartment rental, but did not find any.
On XXXX XXXX, 2017, I accessed the website to learn that I may have been impacted by the Equifax breach. As a new member ( still a college student ) navigating the complex credit system, I had no idea how I could receive help and read online that there may be a lot of deception behind Equifax 's system. Upon attempting to access my credit report online via Equifax, I got an error and could n't navigate the system to get it on paper ; plus, I would like to have the information now to know that I have n't been compromised.
I had originally filed a complaint on XX/XX/XXXX. [ Case number : XXXX ]. Their response to me on XX/XX/XXXX was as follows : " Ditech records reflect that you voluntarily applied for a modification review and, after completing the trial period plan, you were approved for a permanent modification. Once the modification is completed the account will be brought current. Ditech currently is waiting for the signed modification documents to be returned by you. 

If you have any questions regarding the loan modification process, please contact Ditech representative XXXX at ( XXXX ) XXXX extension XXXX " I 've called them in XXXX once I received the recorded modification documents with the XXXX. They assured me that the account will be updated on their system the first week of XX/XX/XXXX. By the end of XXXX, I still did not see my account updated to reflect a modification in place but instead it still shows that I am past due and late on my payments. I 've since them called them many times. One time they said that it will be updated in the beginning of XXXX. I called again in mid-XXXX and they said it will be updated soon because they are under-staffed. It is now XX/XX/XXXX and I still am showing my account not up to date. I demand that at this point they get my account updated because this is affecting my ability to apply for any credit or mortgage. Thank you.
On XXXX XXXX, XXXX I received a past due letter from Loancare that they had not received my XXXX XXXX payment. I called them on XXXX XXXX, XXXX and explained to them that I payed the XXXX payment through XXXX XXXX on XXXX XXXX, XXXX and it was delivered to them on XXXX XXXX, XXXX in the amount of {$2300.00} with the status on my statement as paid. The woman that I spoke with put me on hold and returned to the call telling me that in fact they did receive the payment and it would be posted at mid-night that same day XXXX XXXX XXXX ). I asked her if I would recieve a 30 notice and she advised me that she did not know. I explained to her that I am in the middle of a refinance and I can not have a 30 on my credit. Especially since they did receive it on or around XXXX XXXX. On XXXX XXXX, XXXX, there was a message on my phone to call Loancare. I called them the morning of XXXX XXXX, XXXX and they stated that they did not receive my payment for XXXX. I informed them that I payed through XXXX XXXX on XXXX XXXX, in the amount of {$2300.00} and the payment was delivered on XXXX XXXX with the status paid. They told me that I needed to send them a copy of the statement showing it paid to XXXXXXXXXXXX. I sent the a copy on XXXX XXXX. I told them that I am in the middle of a refinance due to close early XXXX. I also told them that this has now happened two months in a row. I asked them if they are going to charge me a late fee for this in which they would not answer. I also asked them how long is this research going to take and they said 5 - 10 business days. I found out that I have accrued over {$600.00} in late fees from the time they took over the loan in XXXX. I do n't think that I owe this. I am very concerned about the fact they say they are n't receiving my payments. I have been paying the same way, through my bank since they took over the loan and there has NEVER been a problem until now. I find it interesting that this has occurred only recently as I have been in the process of refinance. I have copies of the bank statements and the letter received last month for the non payment. Please help. Thank you.
This is with Wells Fargo XXXX XXXX credit card. I recently applied and received this new card with promotion of 18 month 0 interest on APR of general purchases. 

On XX/XX/2017, I had a cash advance of {$850.00}, with understanding of cash advance will not have the 0 interest promotion, I paid {$1000.00} right back three days later. And I thought based on regulation, any payment above min payment will go to higher interest debit first, which in this case will be applied to the cash advance first. However, on XX/XX/XXXX, there is a {$8.00} cash advance interest posted in my account. When I called Wells Fargo, they said unless I pay the total current balance of the whole card ( which includes general purchases which should have enjoyed 0 interest, there will always be a balance for my cash advance. So apparently the {$1000.00} I paid was not applied to the higher interest balance. Is Well Fargo 's practice lawful?
Thanks,
In XX/XX/XXXX my 24 month interest free promotional was coming to an end. I paid the remaining balance of that promotion on XX/XX/XXXX in the amount of {$3800.00}. On the next bill I verified that amount was posted. However on XX/XX/XXXX 's statement they reversed the payment and added the 24months of deferred interest ( {$2900.00} ) to the account. I have tried to resolve several times.
I called XXXX and Equifax in regards to the XXXX settlement initiated by the Attorney General of New York against the XXXX major CRA 's. It 's my understanding that they have 3 years to implement the changes lined out in the agreement. One item that I read that supposedly took effect in XXXX, XXXX was to remove paid medical debt that the creditor or collection agency, etc. had reported paid and closes. However, when I called XXXX and Equifax, they were clueless to this. They said that my paid medical debt ca n't be removed but they could possible file a dispute. I explained that it 's not my responsibility to file a dispute. It 's my understanding that the CRA 's " have '' to remove the paid medical debt from the credit report. I could n't get either company to let me speak to someone " higher up ''. Please advise if I 'm correct on the removal of paid medical debt, and if I am, please help me to get the CRA 's to remove this from my credit report.
I mailed Experian Certified letters on XXXX XXXX, 2017 in which they received on XXXX XXXX, 2017 according to the tracking number and notifications. Today is XXXX XXXX, 2017 and I have n't heard anything back from them regarding my credit reports and the outcome of my situation.
Im in complete shock about this negative item that continues to appear on my credit negatively. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
My direct unsubsidized consolidation loan was paid in full in XX/XX/XXXX, and I received a confirmation letter on XX/XX/XXXX from Fedloan Servicing stating that the loan was paid in full with a zero balance. My account was signed up for direct debit, and no further transactions posted after that time. Then, on XX/XX/XXXX, I received a letter that the account was in delinquency for 150 days with a balance of {$62.00}. The letter also stated that each nationwide consumer agency " has been notified of your late or missed payments ''. How can this be allowed to happen?
I am requesting that the following information listed removed from my report. This information is inaccurate or no longer in use. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
Please list my name as XXXX XXXX XXXX and my telephone number XXXX this is my current and up to date information.
I receive telephone calls 3 or 4 times daily. When I pick up the phone, there is no voice only clicking. I do n't know for sure who the caller is. I do not have outstanding debts never has.
I started to monitor my credit with XXXX and noticed a few information that i did not recognize. I realized that there are inquiries on my credit report that i did not allow to be placed. I did not give anyone the OK to use my credit. I have listed the inquiries along with the dates of each individual inquiry. 

Transunion XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) I spoke to a customer service representative from XXXX and Transunion so that the inquiries can be removed. The inquiries are still reporting on my credit report. I do not know what to do, i have even spoken to a supervisor but they will not help me.
I have been disputing credit inquiries with Transunion and have not had successful results. A computer glitch that was Transunion 's problem caused my inquries to be deleted and later on they were added back on to my report without giving me the legally required written notice 5 days prior to them being added back on. I have contacted the credit bureau in good faith to delete these but they are still on my reports. My rights were violated by Transunion and these inquiries have caused me to lose points on my credit score. Will the CFPB please stop Transunion from victimizing me.
I have had a mortgage on my home  in good standing with on time payments for seven years. The company handling my mortgage, Ocwen is not reporting to any of the credit bureaus. I have contacted them on at least five separate occasions about this issue. Their canned response is that they are reporting to all three bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all three credit bureau 's insist that ocwen is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that Ocwen is n ot properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are  XXXX  and  XXXX
For over 3 years I have been trying to get Citibank to determine what happened to an IRA distribution. It I am the executor of the account and one of the beneficiaries on the account. This problem has existed since my mother was alive and the account was transferred from my late fathers account. All I get is run around and people with less knowledge of IRA 's than me. I have been told that I need to close the account to find the money that they can not find. In the mean time they made 2 additional distributions. They claim that they found the XXXX  and XXXX but not the XXXX distribution that they did not bother to look for ; however, I have not received any written notice of this. I have also been told that they will deposit the missing monies into the account that they wish to close. They also refuse to change the account number as the mail is going to an address that we no longer live at. It has taken 2 years to get the account into my moms name from my deceased dad as they keep on loosing the paperwork that was dropped of at their office and it was finally repaired before she passed away, but not the address. I have made at least 12 calls about this and each time I get an employee with less knowledge and all in the IRA department are not willing to do their jobs and find it and most do not return phone calls but claim that they will in 24 to 48 hours. At this time I am not even sure if this goes back further,
On XXXX XXXX, 2015 I made a payment of {$1800.00} to XXXX XXXX XXXX XXXX, in satisfaction of my XXXX mortgage payment of {$1400.00}, due on XXXX XXXX. Per the terms of my mortgage loan, the additional payment of XXXX was to be applied against principal. On or about XXXX XXXX, 2015 XXXX XXXX XXXX transferred the servicing of my mortgage to US Bank. It is my understanding that when this occurred, the {$1400.00} portion of my payment was sent to US Bank at the time that the servicing was transferred, but the additional {$350.00} was retained. I called XXXX XXXX prior to XXXX XXXX to understand why the additional payment had not been sent, and they responded that the additional monies would be wired on XXXX XXXX. In reality, the monies were sent by XXXX on XXXX XXXX, with instructions that the payment should be effective as of XXXX XXXX. US Bank received the wire on XXXX XXXX, and applied the amount to my escrow account. I later called US Bank to have the additional {$350.00} applied to principal as of XXXX XXXX, but they would only apply it to principal as of XXXX XXXX. I called XXXX XXXX to understand the situation on their end, and they acknowledged that their system did indicate that the wire should have been sent on XXXX XXXX, but it was only sent on XXXX XXXX. However, they have asserted that they did include instructions within the wire that it should have been effective as of XXXX XXXX.
Mortgage servicer lost my cashiers check and is reporting it as 30 days late on my credit report. This was my first payment. I mailed it to my original servicer, XXXX, and it was never applied to my loan. I feel as though I am being the target of predatory servicing.
I enrolled with XXXX XXXX for a year and I made payments every month but I just found out that none of my payments were going towards the loan. XXXX XXXX student loan forgiveness program made false promises that I could permanently reduce my XXXX monthly payments, they charged me illegal upfront fees. They also told me that my fees would go toward their student loan balances, which wasnt true.