WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  has not updated the payment status on   XXXX    & T ransUnion to paid.  XXXX  is still reporting " Bad debt & placed for collection & skip '' The balance is  XXXX .
Capital One has put a late payment on my credit from XX/XX/XXXX. I was hospitalized for that entire month and the payment had been sent via mail however they had not processed and I had no notifications. Once out of the hospital everything got cleared up however they still hit me on my credit report as a late payment, I have never had late payment with them and still have the account open. The account has been established since XXXX XXXX XXXX has put 2 lates on my credit report XX/XX/XXXX and XX/XX/XXXX. I was involved in a lawsuit and in order to accelerate and end the lawsuit I was forced to not pay the mortgage as the other party kept making me make payments for a house that was no longer mine. We had an agreement with the party that title will be moved over at his name and he would take the mortgage and refinance me out within 6 months. I had no interest on the property and the other party needed to get it off my name. It went 6 months or more and nothing was done so I had to do a lawsuit. The mortgage company was aware of this and said its ok. Now I am hit on credit due to this issue.
I am a victim of identity theft and I have sent a police report but Walmart says I had this card and benefited from it because payment was made on it.i believe the thief made payments untill they got the credit limit up and then defaulted on it.i never had a Walmart card and I never made purchases on it and the payments were all made electronically.nobody has shown me the original contract.i will not pay on a fradulent account and I will keep disputing this until Walmart realizes this is fraud.i spoke with the fraud department and the lady was very understanding.this is not mine to prove it is fraud.
I defaulted in my mortgage payment for some circumstances beyond my control. However, In XXXX XXXX, I requested for loan modification. Bank of America sent me the package which I completed, faxed them back and equally fedex original copies. They acknowledged that they received them. But since XXXX XXXX until today XXXX XXXX, XXXX, they have not made a decision on my case. In fact, they have continuously requested for the same very documents that I sent them from and by different department and from different locations. They do not return calls, and each time I called, it appears that I am starting a new process. No one seems to know anything about my account and loan modification application. Now to the extent that my property was foreclosed by the third party trustee behind my back. No procedural service notice was sent to me. When I found out and filed for the foreclosure to be vacated, the third party attorney in few words stated " we served them and that is all the law requires. '' But the law also requires that they verify the identity of the parties representing the debtor. That they did not do. Now, while Bank of America claims they are working to modify my loan, the third party law firm is busy foreclosing my property, which appears there is no communication between Bank of America and XXXX XXXX XXXX law firm. As it is now, my property is at the verge of been sold to foreclosure, unless there is an intervention. Please I need some help.
This bill was paid by a XXXX insurance that I had that with that company at the time. Once they finished paying the XXXX 's I received a letter that it was paid in full. However now Midland Credit Management is now calling me after I sent them this information and then called them about this are calling me non-stop at least XXXX to XXXX times a day. each day from XXXX to XXXX I get at least XXXX phone calls. This is a harassing calls I have asked them to stop but they continue to do the same thing.
I have an item that should have been removed from my credit report. All other credit reporting agencies removed the item after investigating. Equifax did not and said they verified the validity. I called and spoke with a representative and she said yes we confirmed the validity. I asked about their process, specifically what documentation they reviewed to confirm the validity. She stated their only obligation is to reach out to the collection agency and if the collection agency responds within 30 days the item is valid, they respond to the dispute as " Verified item Remains ''. 
I have tried disputing the item again online and they wo n't allow it. 
In addition to the credit impact, where is the accountability on the part of Equifax reporting agency? They provide and report information on me yet they do n't have to verify the information they are reporting on and are not responsible for providing the details of their investigations and how they " confirmed '' items. 

Equifax is unresponsive, difficult to get in touch with and only concerned with " Selling '' you a credit report or their online services. 

I need help getting this resolved. I have no confidence in Equifax to resolve this.
My credit damage occurred because of beyond my control.one example is the default had happened the contract enter between me and my school, broken by the school.This without investigation the school and education made me in default.I have no money to take this matter to court. 
will review my case please. 
The second issue I have is with XXXX.They charged me high interested rate. Because of this I had paid high down payment and my trade and XXXX years loan for used car. 
will you review my contract with XXXX. 
Thank youl
I 've had my house for 10 years now, I have XXXX mortgages and the XXXX was sold to OCWEN. I 've been paying them on time for years and XX/XX/2016 they sent me a letter stating that since the market rates have risen that so will my monthly mortgage payments. My rate was 3.875 % and OCWEN is raising it to 4.125 % but for some strange reason my payments are going from {$800.00} per month to almost {$1600.00} per month. I told OCWEN that that 's ridiculous and that I ca n't afford it since I 'm already struggling with this payment and other bills. I applied for a loan modification and they finally got back to me stating that I make enough from my monthly gross income & my 401k savings to be able to pay them. Now I see why I 've seen so many complaints about OCWEN that they 're just a call center full of money hungry crooks. I pray XXXX will deliver me from these XXXX and send me to a real mortgage company so I can keep my house.
On Saturday XXXX XXXX, XXXX, my wife called Wells Fargo, our mortgage lender to stop an automatic payment scheduled to process on XXXX XXXX, XXXX. The reason for our request was because my wife gave birth to our XXXX child in XX/XX/XXXX, and she 's had some difficulty with her XXXX disbursements. In order to ensure access to funds so that we could care for our XXXX children, my wife contacted Wells Fargo. The representative did not tell my wife there was a possibility the payment would process as initially scheduled, but instead confirmed the request was processed and told my wife to call back at a later date to schedule the XXXX XXXX payment. Therefore, we did not make any alternative arrangements. 
Unbeknownst to us, without our authorization, and contrary to Wells Fargo 's XXXX XXXX, XXXX, verbal confirmation, the payment posted on XXXX XXXX, XXXX, resulting in our overdrawn deposit account, with no access to funds until Wells Fargo 's reversal is applied to our account ( 2-3 business days ). In addition to the reversal, XXXX, a supervisor I spoke with on XXXX XXXX, XXXX, indicated they would reimburse any transaction fees assessed due to their failure to disclose that the payment could still process. I requested compensation for the inconvenience, and I later realized that I used the incorrect term, as I now contend that Wells Fargo processed an unauthorized transaction after my wife requested to stop the ACH scheduled to process on XXXX XXXX, XXXX. Wells Fargo did not request any documentation from us, and as stated above, did not inform us there was no guarantee the transaction would not process. 
One other concern I have regarding this matter is the actual date that Wells Fargo initiated the ACH. According to their explanation, electronic transfers and ACHs take between 2-3 business days to post. If the ACH was initiated on XXXX XXXX, XXXX, how did the payment clear on XXXX XXXX, XXXX? This leads me to believe that the ACH process began on Monday, XXXX XXXX rather than XXXX XXXX, XXXX.
Re : Account Interest Checking-  XXXX   CITIBANK promis ed a {$400.00} new account promotion for depositing {$15000.00} and maintaining a balance there for some time.     I made the deposit and continued to increase my account balance over the next 90 days . For one emergency situation, I withdrew {$40.00} or {$60.00} from a Citibank ATM, w hich had my balance dip below {$15000.00} temporarily.     However, I continued to make deposits in to my Citibank account  and maintained a balance north of {$15000.00} and north of {$20000.00} for some time.     I called the  XXXX  customer service number a few times to inquire about my bonus - first in   XXXX   XXXX   and again in   XXXX   XXXX  . Both times I was assured that I had already fulfilled the requirements and that the bonus would be credited at some time in the future.     When I inquired again about the bonus in   XXXX   XXXX  ,  Citibank then den ied me the bonus. I requested an investigation by the  Citibank Executive Response Unit and again I encountered unprofessional and deceitful  behavior by  XXXX   XXXX  and  XXXX   XXXX , who sit in  XXXX   XXXX , Texas.      XXXX   XXXX  stated that they received all account records and calls and said no one ever said that I earned the bonus. I immediately told her that this was false, because I was told on a few occasions by customer service representatives that I had earned the bonus.      XXXX   XXXX  then stated that I spoke on the phone with  XXXX   XXXX  about the results, which again was false. And  XXXX   XXXX  that  XXXX   XXXX  mailed the results, which again  is FALSE.      I am now in process of closing the account, but I am still insisting that  Citibank  abides by the promise, sinc e Citibank told me t wice that I had, in fact, earned the bonus.
QUICKEN LOANS OFFERED ME A SUMMARY TELLING ME SAYING " I HAVE A CHOICE WITH __________________COMPANY TO PAY THE MONEY BACK FOR BUY A HOME. 
AND THAT THEY COULD DO THE BEST THEY CAN TO FIX THE PROBLEM. 
I HAVE NEVER HAD A MORTGAGE.
The Company is listed on caller ID as Portfolio Recovery. The number that shows is ( XXXX ) XXXX. We spoked with a Representative of the company whom identified herself a XXXX XXXX. We identified Ourselves by name and telephone number. We advised them that We have had our telephone number for more than " Twenty Years '' ... and We owe no debts. We begged this company to stop calling Our number, because We are the only persons living here. The Representative XXXX advised Us that  She would remove Our telephone number from their calling system. This is not the first time We have requested to be removed from their calling system. This is harassment and We are requesting that this calling cease and drop dead. Please Help Us. PLEASE. Thank You.
XXXX things are happening at TD Bank : First, they offer overdraft protection on checking accounts. They deliberately process transactions in an order that results in the highest fee. For example, if there is {$30.00} in a checking account, and a transaction for {$20.00} and XXXX for {$35.00} is put through. Regardless of which gets there first, they process the higher amount first and then the lower amount, creating XXXX overdraft fees. Also, they do not post overdraft fees at the time it occurs, but rather post it days later. So your online balance shows positive, but days later several overdraft fees are posted! And what you saw as a positive balance, really was not. I used the overdraft but have never had so many problems keeping my balance on the positive side!! And it 's the excessive number of overdraft fees that are being applied after the fact that is making it impossible. It took me a year to figure out why I was having so many struggles with my checking account. I am looking for a new bank. I realize that what they are doing may not be illegal, but it certainly is unethical. It is usury in disguise!
The website locked up before I could view my report. When I tried to return to the page, it said I 'd already gotten my yearly report when, in fact, I had n't had the chance to view it at all.
I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX GM FINANCIAL XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXXXXXX XXXX XXXX   XXXX XXXX, NC XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
I applied and closed a XXXX loan with Bank of America in XXXX XXXX. I rescinded that loan within the 3 day period allotted. Bank of America recognizes that I refused the loan but they still sent a Deed of Trust on my property. I have contacted, several times, the post-mortgage department responsible for the Deed of Trust but no one will contact me regarding whether the deed was recorded or not. I 've left messages and talked personally to their agents and was promised a status within 24 hours. My calls do not get returned, nor promised email sent. I just want to know that this deed of trust was NOT recorded against my property. I consider this unprofessional and inconsiderate and it leaves me hanging whether the deed was in fact invoked even though I DO NOT have a loan with this bank.
My wallet was stolen in XX/XX/2015 on the subway in XXXX around XXXX. I realized I did not have possession of my wallet around XXXX that day, and I immediately went to the closest Bank of America banking center to report the fraud totaling {$370.00} and cancel my card. 
There were XXXX fraudulent transaction, all within 2 hours -- XXXX BoA chose to recognize as fraud, and the XXXX larger charges were denied. They stated that my PIN was entered at the time of purchase. Knowing this was false, as it was not me, i contacted the merchant and obtained copies of the receipts. Both receipts show the transaction was signed for -- XXXX different signatures minutes apart, neither being my own. 
After the initial claim was denied, I filed another with paperwork, including : receipts, ID replacement receipt, XXXX replacement receipt and a written explanation of events. A bank associate faxed these documents in. I received no notification/communication for over a month. 
I went back to the banking center, met with another associate who checked on the claim, as he found no record of it. After being there over an 2 hours, he assured I would be contacted within 48 hours with an update -- nothing. 
I called and visited the banking center several more times, with the employees never being able to find the claim information. 
I spent another 1.5 hours at the banking center today, where they placed me on hold with the call-center, while the associates stared at me smiling, and decided what to order for lunch. After XXXX transfers, the fraud specialist did find the paperwork that had I had previously filed, but stated that the notes stated it was not referenced during the 2nd investigation. Again, the claim was denied due to an " electronic authorization '', PIN entry at purchase, even though there was clear evidence the transactions were signed for fraudulently. 
She then advised she was unable to escalate the claim further, as too much time had past, and suggested I reach out to the merchant to reimburse me.
I have paid my fire district dues each year since I purchased my home in XXXX, except for XXXX. I refinanced in XXXX, and in XXXX XXXX XXXX paid that from my escrow account. I called and was told orally they wouldn't do it again, followed by letter and a notation on my account page on the web site. XX/XX/XXXX with no notice to me XXXX XXXX agent cut a duplicate payment against my escrow account, which was returned uncashed by the fire district since I paid my bill. Each time I called XXXX I was told that it always pays fire district dues ( you can see from attached pmt history that was not the case XXXX, just XXXX ). Based on this transaction XXXX sent me a " deficiency '' notice requiring {$300.00} from me or they will jack up my monthly payment by more than {$55.00} per month. If someone will just " find '' or stop payment on the uncashed {$320.00} check it will more than cover the so-called deficiency.
Equifax XXXX XXXX is reporting that I have a bankruptcy on my credit report when I have never filed for bankruptcy the way I found out I applied for a home loan n I was denied do to this was very upset my birthday is XX/XX/1971 n social is XXXX name is XXXX XXXX
I contacted all of them by phone, but since my ex-husband left withnothing but my cloths on my back, all documentations support, I do n't know what he did with everything I owned either, includingall my accounts, assets, personal information, birth certificate, drivers license, ss card, passport, etc. etc. He fled back to XXXX, used me for XXXX. I got the information from XXXX, complaint to them alsoand who to call to dispute and I did to all of them and also to credit bureau online. All the best ... ... XXXX XXXX number : XXXXMidland Funding LLCUS ( XXXX ) XXXX collector account numberXXXX $ XXXX collector XXXX $ XXXX XXXX XXXX XXXX XXXX {$400.00}
I lost my job on XXXX XXXX XXXX. I was unemployed with a few jobs in between for over two years. The first year I borrowed money from my parents to pay the mortgage but XX/XX/XXXX I could n't anymore. So I started not to pay and applied for a modification After all this time, I was just notified two days ago that I was declined for every option of the loan modification. My wife who is n't on the loan her income is XXXX a month, and mine is now XXXX a month, I got a job since. They told me that my only option is to come up with the XXXX that I owe in back payments or I can do a died in Lieu, a chapter XXXX a short sale or they will foreclose. As far as I know there has n't been foreclosure date set as of yet. I do n't want to lose my house. I have XXXX kids and it would really not be a good issue. They wo n't do a principal forbearance for me either. I would like to get a principal forbearance so that I can keep my house. They are n't very helpful or responsive. They have been the worst to deal with. It seems like they would rather foreclose then assist us in fixing the issue so we can keep our house. I am hoping that you can assist in getting this done. I really ca n't afford any more losses in my life and this would be devastating. Having a lender that is n't willing to help find an option is really hard.
In a letter dated XXXX/XXXX/XXXX, the bank ( falsely ) claims that the entire forgiven amount {$150000.00} was principal. That amount as principal is not possible -- based on the declared principal at the time of my original purchase and the new principal due per the work out plan. 
The bank, under the direction of the Federal Bankruptcy court for mediation, finally offered me a workout plan based on the bank 's determination of the current value of my home. To my knowledge, there was NO independent appraisal. That mediated agreement was signed XXXX XXXX XXXX. 

The details for that FUTURE workout plan included the bank 's claim that I owed {$290000.00}. I do not know how they made up this number. There was never a time when I owed such an amount as principal. 

The original note I signed in XXXX was for a principal amount of {$180000.00}. The new principal amount from the XXXX agreement is {$120000.00} ( interest bearing ) + {$13000.00} ( non-interest bearing ). 

That is a difference of {$49000.00} in principal. Where the {$150000.00} claimed as PRINCIPAL by the bank came from is a complete mystery. It seems the bank can make up whatever numbers they like and make whatever claims they wish and too bad for the consumer. 

First, I 'm told by the bank contact provided that I will have an answer by XXXX XXXX. -- to the simple question I asked in XXXX. 

Then, I receive a notice that it will be XXXX XXXX. 

Today, I received a notice today that the bank will contact me sometime within 60 days. 

It took the bank TWO months to send a notice that they will respond sometime in the next TWO Months? What then? Another notice that the bank will take another 6 months to send another notice? 

This is not reasonable. The bank has the information -- they had it when the provided the work-out plan -- in XXXX XXXX and they had it when they sent the confirming paperwork in XXXX of XXXX and they had it when they sent the final paperwork in XXXX of XXXX. The bank is refusing to disclose essential financial information to me - the consumer. 

What purpose does it serve to not provide me with the proper, lawful disclosures of financial information? I did NOT ask to renegotiate or change anything -- I simply requested the specific numbers for principal, interest, insurance, and taxes.
I attended law school from XX/XX/XXXX-XX/XX/XXXX. I took out Stafford subsidized and unsubsidized loans each of the  three years. In XX/XX/XXXX, I consolidated my XX/XX/XXXX loans with XXXX ( Access Group ). In XX/XX/XXXX, I  consolidated my XXXX loans also with XXXX  ( Access Group ). With both consolidated loans, they remained in forbearance until I graduated in XX/XX/XXXX. When I signed up for the consolidation, as an incentive for consolidating with XXXX, I was promised a 1.00 % rate reduction upon 36 on-time payments. Unknown to me, by consolidating the loans at the time I was still in school ( and in forbearance ) it made me permanently ineligible for the 1.00 % reduction. My loans were transferred to XXXX, and then recently to XXXX. Only now that the loans were transferred to XXXX did I learn that I have not been receiving the reduction for the last 8 years because of the in-school forbearance. Had I known of the permanent ineligibility for the reduction, I would not have consolidated with XXXX at the time that I did- I would have waited until after I graduated.
I paid my XXXX XXXX XXXX card off a month ago. They show and say my balance is XXXX, however XXXX has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.
I am uploading a copy of the letter I sent to Equifax 2 months ago. I still have n't received the first response from Equifax, despite follow-up letters asking for an excuse for their delay. I received responses from XXXX XXXX and XXXX over a month ago already.