WillisBack/dataset-financial-user-claim huggingface dataset:
We got behind on the mortgage payment for my Mother 's estate ( XXXX XXXX XXXX, ( aka XXXX XXXX XXXX, deceased on XX/XX/XXXX ). On XX/XX/XXXX a letter was sent from Wells Fargo Mortgage ( WF ) with a refund check of {$56.00} for " unapplied '' funds. A delinquent status letter was received.around the same time. A WF statement dated XX/XX/XXXX was received later in the month. showing a balance due by XX/XX/XXXX of {$1700.00}. On XX/XX/XXXX, I made that payment in full by cash payment with a payment coupon at the local bank as I had previously done. The next day ( XX/XX/XXXX ) I received a letter from WF ( dated XX/XX/XXXX ) that loan had been referred to attorney. A second letter from WF ( dated XX/XX/XXXX ) was received 2 days later. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, demanding payment in full to avoid foreclosure. I subsequently hired XXXX XXXX XXXX to resolve the wrongful foreclosure action. It was determined that WF had misapplied the XXXX XXXX payment to a Closed Credit Card account without comment, instead of the mortgage account. He received confirmation from XXXX. XXXX XXXX that the foreclosure was cancelled on XX/XX/XXXX. Wells Fargo has since refused payment to bring the account current for the months of XXXX by payment attempted on XX/XX/XXXX. Wells Fargo is now demanding payment of mortgage payment that they mis-applied and attorneys fees for the wrongful attempt to foreclose on the property. I have received a response from XXXX XXXX XXXX in response to the inquiry initiated by XXXX XXXX. Wells Fargo continues to be unwilling to apply the previous payment to the mortgage ; thereby demanding a second payment of those funds already paid. They are also demanding payment for the wrongful foreclosure action. They refuse to take payment for the mortgage payments currently due. On XX/XX/XXXX, I again received a statement from WF, showing yet another balance due after their apparent payment of property taxes. However, a check today of the property taxes shows that only tax payment for XXXX lot not both lots under the mortgage has been made.
Applied for EQUIFAX free XXXX  XXXX providing all requested information. 
Received email on XXXX/XXXX/XXXX with link " take final steps in enrolling. '' I had accidentally discarded email with link. 
Called EQUIFAX and was told there was freeze ( which I requested ) and therefore free protection was not available without going through unfreeze process. 

I would like promised free protection without expending more time on this. 

Note : when calling EQUIFAX they want full SSN - this form makes clear all they need is last four digits.
I fought this medical debt over a emergency XXXX XXXX w/my insurance for 2 years, it is now paid in full by me, but there are several things wrong in the details. 1. This account was NEVER verified EVER with me, I asked for it via dispute XXXX times & received canned response that it was.they claim calling and inquiring about it counts as verification.2.delinquent date is listed as XXXX-XXXX, WHEN I was still in the hosp I was already delinquent? 3. terms are listed as 1 month? there was no terms.4.It lists a high balance for credit limit, being a medical bill there was no credit limit.2.all kinds of extra comments listed,XXXX of the credit agencies even list it as a charge off/repossession, a much worse listing than medical debt.5.All XXXX credit agencies have different dates of first reporting.6. was threatened by XXXX XXXX XXXX after paying the debt that if i contested it further there would be trouble for me, and in fact updated the info on full payment so it now looks like a fresh debt, causing max damage to my scores. 

I would like to know how you can be treated for an unexpected medical bill the same as someone who say runs up a credit card, or defaults on a car note. My other XXXX bills/trade-lines are paid, always are. But because I was sick and needed help that one time I should be punished after the fact, and for 5 more years as well? ( Until 2019 ) In FACT it will cause it to update & cause my score to drop further. Why should a minor medical bill make me unable to have a home loan? How this is fair is not the question, it should be how this is legal is what I want to know. Where is the incentive to get people to pay their bills if they will still be punished regardless of it?
I do not want another CREDIT report sent to me. What I want is for Equifax not to show MY CREDIT score as XXXX to companies that are pulling MY CREDIT. I can see my score. I NEED THIS CORRECTED NOW!!! This is my THIRD COMPLAINT I WILL KEEP FULING THEM UNTIL THIS ISSUE US RESOLVED ... PLEASE CALL ME IF I 'M NOT CLEAR
yes me and my mom have a walmart master card.my moms XXXX years old XXXX and has a hard time talking on phone. we just made XXXX purchaases. on line at XXXX?? and another charge at local food store??? thouse XXXX things only charged. tried for some cash at a atm machne would not go thru???? we had ge capitail bank with card before synchrony bank took over at wamart???? we never had problems with ge capital and used card many years.they sent us a letter stating that they placed a restriction on our account toomake sure no fraud occuring???? this is a joke and were about too cancel account. i contacted the XXXX. but have not heard anything from XXXX????? i also told XXXX that im about too get power of attorney on moms bills this week?? im her son and caregiver past 3 years now???? and we dont need too be upset by all this fraud XXXX???? my mom lets me usecard all the time/ moms name XXXX by the way.also the letter we got in the mail from there fraud dept. you can have them call me XXXX XXXX her son at XXXX cell but till i ge power of attorney they might not want too talk with me??? up too them
I received a letter from TrueAccord, dated XXXX XXXX, 2016, attempting to collect a debt from a short term loan company named XXXX. XXXX appears to be either owned or associated with an online lender by the name of the XXXX ( XXXX ). Both entities appear to be managed by XXXX : XXXX references XXXX Tribal Complaint Hotline ; XXXX references the XXXX. According to TrueAccord, the loan in question was made to a person unknown to me, named XXXX, who used my credit details to obtain the loan. I am not sure if XXXX Tribal Councils are under the authority of the FTC since they are legally considered sovereign nations. But if they are I would like to report an improper loan process. Had either of the original loan makers or the debt collector bothered to inquire with any of the credit reporting agencies, they would have discovered I have a credit freeze on all of my accounts, which requires that lenders check with the major credit reporting agencies as well as to directly speak to me before approving a loan. I received no such call from the lender and the credit reporting agencies say that no such inquiry was made.
Today I called Paypal XXXX Account ending in XXXX to see what my balance is since I have n't received any communication from them. I found out my account was closed and my balance was transferred on XX/XX/2016 to my PayPal XXXX. My issue is I had set up automatic payments to PayPal XXXX account for minimum payment due on XX/XX/2016. As of XX/XX/2016 to current date, minimum payment due is still being taken out of my checking account for a total of {$310.00}. In addition, I made additional payments to XXXX from another checking account for a total of {$300.00}. Thats a total of {$610.00} which were n't credit to my PayPal XXXX. I have contacted PayPal XXXX and they referred me to PayPal XXXX. I then called PayPal XXXX and they referred me to XXXX. I called XXXX and they told me to call my banks. All in all no one had a record of these payments but my banks. One of my banks asked me to send a stop payment and request a refund for XX/XX/XXXX payment. The other bank which I last paid out of was in XX/XX/XXXX. What I 'd like to know is what do I have to do to recover my money and if you can help me do so? I have documentation from my banks showing dates and amounts of payments made. I 'm at my wits end. Your help in this matter is greatly appreciated. 

Respectfully, XXXX
The debt was not paid but there is no actual debt. XXXX and XXXX both removed it from my credit report a few weeks after it was added because they said it was not a valid debt. The vehicle was not financed it did not have any loan it was through a car lot that my uncle worked at a XXXX and the car was a piece of junk and given them back to them. They continue to call me daily and tell me that they do n't care if I do n't feel like I owe and they do n't care if it was removed from my credit report but it is still a debt I owe
XXXX sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. XXXX representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately. ( Macy 's and XXXX American Express ) If XXXX just monitored the information reported, they would clearly see that the dates reported have changed. This is Fraud.
I was sued for a credit card debit a few months before the statue of limitations expired. I was served with papers and right before court date my husband died in a XXXX. I was in shock and forgot about court until morning of court. I did not attend .XXXX has now garnished XXXX of my bank accounts. I have to respond to what is exempt .I am too poor to pay debt. My husband left us with {$5.00}. Im on SS.
Enhanced Recovery Corp  is unable to collect in Texas.   Sectio n 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection i n Texas unless the third-party debt collector or credit bureau has obtained  a surety bond  and filed a copy of the bond with the Office of the Secretary of State.     ERC opened a collections account on  XXXX / XXXX / 2017 .
This is a complex issue, and involves multiple factors. First, our home was impacted by a major flood in XX/XX/2008 declared as a national disaster by FEMA 4 years after we purchased our home. We were quickly pushed into a loan through SBA to repair our home without discussing if this was the right financial decision for us. This basically doubled our debt on the home. We did our best to pay the loans, but we had a child at that time as well pushing us further into debt. Regardless of the challenges, we continued to pay the loans the best we could relying on family and borrowing from my Retirement plan and taking on credit card debt. We applied for HARP loans on multiple occasions to give us a break from the high interest rate of the primary mortgage, but were turned down on multiple occasions. We did not qualify for a normal refinance due to the extensive debt we took on. 

We are now dealing with two structural repairs that need to occur on the home that cant be delayed for long, but in the end we want to be able to move out of our home. Our home has depreciated by XXXX, and no bank will lend us additional money for the needed repairs, and our property tax has increased drastically. With all of the factors involved we are 10 years into the disaster loan and 14 years into our primary loan, and still looking at an additional 8 years before we are right side up on the mortgage allowing us to move out. If I take on the additional debt to repair the home without a modification to our loan this will push us over our financial threshold and put us at risk of foreclosure. If the repairs are not made soon, this will put the home at risk of unrecoverable damage. 

We made one last effort to apply for a HARP loan, but no options were offered to take additional money out for repairs, and the bank is quoting XXXX in closing costs. We were denied a short sale, or loan modification by the primary lender, claiming we make too much money to consider. Wells Fargo manipulated figures to skew perspective to make a decision favorable to their company. SBA will not provide any reprieve and has threatened legal action if we foreclose. SBA claims that they evaluated our financial situation when the advised us to go this route, but clearly ignored my wife being pregnant that would lead to significant day care costs. They also lead us to believe this was our only option. Between the two banks I am trapped in a home in dire need of repair that I can't afford to fix or ignore.
I have power of attorney for my brother who holds this c/c. I have complete financial control. For more than a year, I have not been able to get onto the website to pay the bill and when I mail the payment, it arrives late. In both instances we are continually charged finance charges. I have had to send the notarized paperwork twice ... they keep losing it. I was told that when the account was up to date, the website tech people would get me on the website to make payments easier and faster. The tech people tell me they have no access to the powers of attorney paperwork and refuse to allow me access and send me back to customer service. 

The last time I spoke to customer service in XXXX, I asked for the full payoff, as I was planning on canceling this c/c. I paid the amount I was told and today, received yet another bill for yet unpaid prior balance with more finance charges. No one can validate the charges and I am being forced to pay " blind '' the amount they state and interest on top of it. 

This is all totally unacceptable. I am canceling this card and the card was taken from my brother after the last phone call to the company. 

US bank was totally unhelpful, uncooperative and I am still unable to access the website to validate these charges.
Western Union-XXXX location placed a hold on a {$300.00} money transfer. Transfer carried a tracking number of XXXX
Never received any correspondence from this company. This debt has been discharged through bankruptcy in XXXX 2010.
The creditor agreed to accept a lump sum of XXXX $ cash to cancel the debt and not go thru the attorneys and I paid it to his company and now he the creditor is still trying to collect the debt by having his attorney XXXX XXXX send me a petition for garnishment of wages. I have emails and proof of bank payments made up until I paid the XXXX $ cash. 

My request is also for the company to please validate the debt ; by sending all original documents with signatures etc. to me asap
I logged onto Transunion website to place a lock on my account and the account of my wife on XXXX XXXX, XXXX. We were successful in placing the lock on my wife account, but two days later we received an email indicating that we had subscribed to credit monitoring for $ XXXXmonth. We did not want credit monitoring. I subsequent phone call and being on hold for 45 minutes we were able to get this subscription reversed on XXXX XXXX, XXXX.
On XXXX/XXXX/16 I opened a Citigold checking account with an associated offer promising XXXX points ( valued around {$500.00} ) after meeting the promotion terms. I met those criteria and confirmed on XXXX/XXXX/16 via chat with a Citi representative that I had met the criteria. The agent told me to expect the promotional XXXX points to be deposited into my account within 90 days of completing the requirements. After the 90 days had elapsed I contacted Citi to inquire about the promotional Thank You points which had not yet been deposited to my account. Citi responded by claiming there was no promotion associated with my account at the time it was opened. I have a copy of the promotional disclosure when the account was opened and saved the conversation with the Citi agent who confirmed the promotion was associated with my account and that I had completed the terms. It is my belief that Citi has engaged in deceptive marketing practices to lure customers to open the high price ( $ XXXX/month ) Citigold product. I do not believe Citi should be allowed to continue this behavior of attracting customers with promotions and after the customers have fulfilled their terms suddenly refuse to honor the promotion. I very much appreciate any effort to resolve this issue and prevent Citi from continuing this behavior. Thank you.
The same numbers which all come back to the debt collection agency Rash Curtis & Associates call me approximately 6-8 times a day. When I do answer there is nobody on the line, sometimes there is a recording requesting me to call back. There voice messages which typically last 2-3 seconds have no information and just clog up my voicemail box. This is very frustrating and feels like harassment.
They never informed me I had a right to dispute. I requested verification of debt and never received it. They continue to call me and say they will continue to attempt to recover debt that can not be verified.
I refinanced my loan in XXXX and my interest rate and payment was reduced to {$45.00} per month with payments automatically deducted from my checking account. I received notice that Navient was now servicing my loans and that I needed to setup an account online. In XXXX, my payment frequency changed from monthly to every other month with a payment of {$100.00}. In XXXX, my payment frequency changed to monthly with a payment of $ XXXX/month. I was declared XXXX in XXXX and began a claim for Social Security XXXX. I have not had an income in two years and I 'm completely dependent on my spouse and my mother makes my loan payments. I called Navient to inquire about assistance with my loan with regard to my lack of income and I was told my only option was forebarence. I was uncomfortable with that option so I have been struggling with my payments.
On XX/XX/18 I saw that I had an item on my credit for XXXX XXXX. It appears EOS is the collection company. I sent a letter requesting validation to the two credit bureaus that it was reporting to. On XX/XX/18 EOS sent me a letter that gave the name of the original creditor and the balance. They didn't include anything like a contract. They basically just said this is your debt and this is the original creditor. On XX/XX/18 I requested from the credit bureaus actual proof of how they validated it such as a signed contract from XXXX/EOS. Instead, I received a settlement offer in the mail from EOS dated XX/XX/18. My XXXX   credit report dated XX/XX/18 shows EOS remains. However, it doesn't appear to be on my XXXX credit report dated XX/XX/18. It has been just over 3 months that I have been dealing with this situation. I have followed the steps that I should to ensure the items on my credit report are mine and reported the way they are supposed to. EOS is keeping me from reaching my personal goals due to their unwillingness to provide the documentation that shows this debt is indeed mine.
I sent four letters dated XX/XX/18 to Capital One disputing late payments and the accuracy of those late payments on four accounts. I was very detailed in my letters which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. I received four letters from Capital One stating that the accounts were reporting correctly, information on when I applied for the accounts, and placed a disagreement code with a resolution of dispute on my credit reports. After I received the letters from Capital One, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions a line item that is reported on a credit report, and mark the item as being disputed within 30 days. These accounts were not marked in dispute. I received letter from Capital one dated XX/XX/18 stating again that these accounts had been properly validated. I sent another letter dated XX/XX/18 to Capital One detailing that they had not provided proper validation of reporting late payments and requested the late payments be removed. I received letters from Capital One dated XX/XX/18 and XX/XX/18 stating they had completed their investigation and the accounts were reporting correctly. I pulled my Experian report again on XX/XX/18 and these accounts had been marked " Account was in dispute-now resolved-reported by subscriber ''. I also sent letters to XXXX, XXXX, and XXXX disputing the late payments of these accounts dated XX/XX/18 and all three credit bureaus reported the late payments were valid, and marked my accounts " Account was in dispute-now resolved-reported by subscriber ''. Capital One has violated section 623 ( a ) ( 3 ) of the FCRA by not providing validation and not marking my accounts in dispute within 30 days. Please see attachments for all correspondence regarding this matter.
XXXX complaint against Wells Fargo. They are playing games with me. After bringing my account current and paying the reinstatement amount to bring my account out of foreclosure, and confirming 3 times by phone there are no other legal fees or other fees due, I received a letter saying my escrow is in arrears. I filed a complaint about that. They say I owe the money. Fine. Then I receive a letter dated XXXX from Wells Fargo including a check for {$100.00} because they discovered after reconciling my mortgage account I 'm owed a refund for some fees that were overstated. Then I received a check for mystery fees. Then I receive a letter dated XXXX from XXXX XXXX XXXX, lawyer for Wells Fargo saying I have to send {$40.00} to XXXX XXXX court for an unfilled Discharge XXXX. What? Huh? I do n't know what that is but I have to send the document and a check to the court. 
In good faith I brought my account current and paid the full reinstatement amount and was assured no more legal fees, or fees or anytime. Then I get a check for a refund for mystery fees. Then a lawyer letter I owe {$40.00} to a court? Not to mention I received a postcard in the mail for a class action lawsuit for property inspection fees and we 're a part of that too. 
I do n't understand why this is happening. I paid a reinstatement amount and my monthly mortgage and the saga continues?
I had recieved a call from a debt collector in regards to a piece of furniture I co- SIgned on for my roommate and I at the time. We had parted ways 3 months after purchasing it and the other party kept the couch. In XXXX, I reviewed my credit score and saw the account on the couch was closed and {$XXXX} balance. Now a debt collector called, did not say what company he is working for and said if I did not pay right now I would be sent to an attorney and sued. I tried making payment arrangements but he would not work with me, He said this company has tried reaching out to me so I asked him to tell me when the last couple of times they tried and he told me " I am not wasting my time pulling up that stuff '' After that, he went silent and kept asking when I can pay and telling me " I don ; t want this sent to an attorney because I have no idea how bad it was going to get '' He would not tell me what attorney and if I paid something today we could set up payment arrangements in the future which seemed fishy. After that, I tried to calm him down and see if he would work with me but everytime I questioned something he said he would become aggressive and start asking for a payment again.
Private information in my credit report has been released into the public realm from Equifax without my permission. I subsequently placed a freeze on my credit report, and was charged to do so by Equifax ( I was required to pay for the freeze with a credit card. ) I feel the freeze should have been placed with no charge since my data was compromised by their own admission.