WillisBack/dataset-financial-user-claim huggingface dataset:
We have been dealing with RCS for the past year to complete a short sale. We did have an open Bankruptcy XX/XX/XXXX due to financial hardship and to help us with XXXX selling our property. In XX/XX/XXXX RCS files a motion to release property from the Bankruptcy. According to them it was released, but we were never notified. In XX/XX/XXXX with had submitted a strong buyer qualified to close on the purchase of XXXX XXXX XXXX in XXXX XXXX California. RCS Bank order the appraisal and reviewed the offer. On XX/XX/XXXX RCS counter offer at $ XXXX. We then submitted the buyers counter at $ XXXX after we had his inspections done. RCS requested more financial documents from us plus a payoff from XXXX XXXX Bank which took 2 weeks to get. All the info was sent a few weeks later. However on XX/XX/XXXX RCS canceled the Short Sale and put it up for auction to foreclose XX/XX/XXXX. All we need is a few weeks for RCS to allow them to finalize the approval of this short sale. However they said they need 37 days to review an offer prior to sale date. We tried to speak with supervisor and we were told they were busy and there is nothing we can do. I always try to be positive and do the right thing. We do NOT want this to go to foreclosure and we are asking RCS to conduct their final review of the short sale since we were at the end of the approval process. Thank you for your time.
I'm talking to XXXX XXXX from Experian asking him to dispute a closed account from XXXX XXXX XXXX # XXXX and he is refusing.
I have a Care Credit account through this bank. I changed {$7700.00} total in XX/XX/XXXX and XX/XX/XXXX of this year at 18 months no interest. 
I set up automatic payments from my bank account for timely payments. However, I did a balance transfer in XX/XX/XXXX with XXXX, at that time the balance owed was {$4900.00}. This company did not transfer the funds until another payment was due which was 6-8 weeks later. 
They took {$350.00} from my bank account and finally transferred the {$4900.00} which left a credit of {$350.00}. 
To date I have NOT received my refund. They've been telling me the check was mailed on XX/XX/XXXX. 
Not received, then they've told me that a stop payment was made on that check and another issued on XX/XX/XXXX. - not received. I have pleaded with this people to send my {$350.00} by overnight express and I'll pay the charge, they won't do that either. It's been nearly two months now on XX/XX/XXXX. 
They intentionally held back sending the funds balance transfer until another payment was due and at that point I thought they transfer amount would have/should have been less the {$350.00} but I was wrong. 
Please HELP me get my money owed to me from this " bank '' asap! 
I'm at my wits end. 
Thanking you in advance XXXX XXXX
I received no prior notice from this company. They sent a violent individual to my apartment that began pounding on our door so hard it bent the latch and door jam. He persisted and we were terrified someone was trying to break in not expecting them. My XXXX year old son has XXXX and was crying and visibly shaken. After XXXX minutes and us about to call police, he yelled and swore at me to open the door he had papers to sign. I relented and signed. Intimidating and harassing peoples families with no warning is wrong and causes a great deal of XXXX XXXX.
On XXXX XXXX I applied for a credit card with walmart because they were offering {$25.00} for applying for a credit card. I was approved and the sales clerk attempted to make firat charge on card ( even though it was never mentioned that you must make a purchase on the day approved to receive the {$25.00} ). I stood around an hour waiting for the cashier to figure out why my new card was not working. Eventually, we ended up using my debit card for the purchase. They made me call customer service to see why the card was not working. Upon calling it turns out the cashier inputted my drivers license information incorrectly. I was told that the customer service representative will notate my credit card account and if I did not see the {$25.00} on my first bill to call in. I called into walmart card center today XXXX and was informed that they can not give me the $ XXXXdue to the first purchase not being made on the date the card opened. I explained what happened and the representative said she could only file a dispute.
Please reference CFPB complaint # XXXX about EQUIFAX , INC.. 
Although this complaint was closed on XX/XX/XXXX after providing information to the CFPB that all information was reporting correctly : the bankruptcy discharged in XX/XX/XXXX is still being reported to financial institutions and although ALL accounts were paid off in XX/XX/XXXX, this is not being reflected in information provided to financial institutions. 

Because of Equifax 's failure to correct the information ( remove the bankruptcy and show all accounts as paid ), XXXX XXXX XXXX declined my request for a credit card and today I received written information that the denial was based on information solely from Equifax regarding a bankruptcy and high account balances. The reference number is XXXX and the date of the denial explanation is XX/XX/XXXX. 

Also, on XX/XX/XXXX, XXXX XXXX XXXX XXXX continues to report that Equifax is providing information on the bankruptcy and high balances on my accounts. 

There is therefore a damaging discrepancy between information that Equifax provides to the CFPB and to the consumer and their failure to provide correct and timely information to the financial entities requesting information.
Good evening : I took out approximately {$42000.00} in the early XXXX, and I have been paying for over 19 years, and now I owe {$54000.00} ; and I ca n't seem to understand why my principal never went down at all after all this years. Another thing is that I worked out a change on my student loans, to make my payments more affordable at the beginning of the XXXX ; and now without my agreeing to it, Navient change all the terms of the loans, back to the XXXX, when I could not afford them ; I get the impression that they want me to default. I asked them for a complete print out of all of my loan transactions over the years, and any changes to my loan terms ; to see if I can understand what is going on with my loans. The loans just keep increasing, and 19 years have gone by and there is not change ( I guess every time I took a forbearance, I had to pay the interest and then pay interest on the interest ) ; I also think that I should have the right to review and signed any changes to my note since I am the borrower. 
Thank you. 
XXXX XXXX
It must be collection season again. This is not my debt, nor is there any reason for this company to be calling me. It just happens that I share the same surname as the party they are seeking. To be even more annoying this company is calling my cell phone. I would like to know how they got my cell number and why they are calling me. I am on the Federal and Pennsylvania Do Not Call List.
I secured a line of credit with the lending club in the amount of {$11000.00} in XXXX of XXXX. I begin having problems in XXXX of XXXX. The Lending Club did not send me statements in XXXX, XXXX or XXXX. I sent my payments those months but was not able to see how my payments were being applied or if they were being applied on time. In XXXX, I sent a money order in the amount of {$510.00} and called on XXXX XXXX to ensure my payment was applied. As of XXXX XXXX the money order was not applied so I called the issuer of the money order and learned the money order was cashed. I sent another payment to the XXXX XXXX to avoid being late and have opened a claim to find out who cashed my money order. I have had nothing but problems and as a senior citizen I feel I am being taking advantage of.
I have tried to dispute with the collection agency as well as with the credit bureau for years and no success.Continue to receive a response that i'm responsible for the debit. I'm not responsible for this debit and never went to the hospital for the dates their stating. 
It's very upsetting and frustating that i'm being penalized for something that i'm NOT RESPONSIBLE FOR.
Company states I committed fraud for having a payday loan bounce and that I then closed the account to avoid paying the debt. Therefore commiting check fraud and I will face civil charges
A credit report was run for me as I 'm trying to get a mortgage. A debt collection that I paid off with a {$0.00} balance in XX/XX/XXXX is being reported as a {$0.00} balance every month by the collection agency. The report comes back and shows the most recent report of a {$0.00} balance as XX/XX/XXXX instead of the date it was originally paid off ( XX/XX/XXXX ). The credit reporting company ( I assume ) must be looking at the most recent report of a {$0.00} balance instead of the first date it was reported as a {$0.00} balance ( XX/XX/XXXX ).
On Monday, XXXX XXXX 2015, I noticed unusual activity as to why my balance was at an extreme low. I currently bank with USAA Secure Checking. I notified them the day I noticed the suspicious activity and filed a claim. I followed up to get a status report on Thursday, XXXX XXXX 2015. I was then told the Fraud Agency with USAA declared this was not a case of fraud. There were a total of XXXX different transactions all in the same amount of {$990.00} bringing it to a total of {$6900.00} lost. I was basically told I lost that money and to contact XXXX. USAA did send me paperwork that shows when each transaction was made and for how much. I was able to see exactly who they went to and what account once I was able to log onto to usaa.com to check my account electronically. I have notified the local police department here in XXXX, MA to file a police report. USAA is not handling this situation as they should be. I am requesting full recoupment of all funds.
Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXReceived a house that I had been paying on since XXXX in a divorce, XXXX. The loan was sold in XXXX XXXX to Select Portfolio Servicing Inc with payments to begin in XXXX XXXX to them. The escrow for taxes and insurance was transferred to them at that time from XXXX. I made a payment in XXXX, XXXX and XXXX. The house was put on the market at the end of XXXX. The insurance was paid with escrow funds and the policy began XXXX XXXX. I sold the house XXXX XXXX XXXX. 
I contacted the insurance company and they told me they are required by law to refund the monies to the mortgage company but that I would receive a refund from SPS, Inc. 
I have contacted them multiple times as has my ex-husband for a XXXX for me as well as my refund. 
The last correspondence they were to fax the XXXX and send the refund. 
I have received neither. 
The loan is in the name of XXXX XXXX.
I have had a mortgage with bank of America since XXXX the pymt is due on the first but I have a 15 day grace period. However, about a week to 10 days before my grace period is up they charge an extra {$6.00} for me to make the payment on line. this was not in ther terms of my initial loan agreement and I do n't see how they can charge that since I 'm not past due. I would like all these fees I 've paid refunded to me and I 'd like to know how to inquire about a class action law suit.
These student loans were disputed and removed from my credit report years ago. They were placed on my credit report without any type of notice. All my credit cards have been closed because my credit is score dropped because of a student loan being charged off. I need to see the contract bearing signatures of the alleged debt. 
Fair credit act state that inaccurate information on a consumers report must be removed. Please delete ASAP. 
The student loans by XXXX XXXX were removed because of federal issues and they were charging more money to students and collecting money.
XXXX reporting inquires that are not mine wont send me credit report to see whats on there cra violation
The lender failed to calculate the payments according to the terms of the loan documents. 
This was a negative amortization loan and they failed to do the calculation in pursuant to the terms of the loan. The problem was till XX/XX/2014. 
They failed to provide a complete payment history from the day I took the loan. 
I requested again by sending a QUALIFIED WRITTEN REQUEST. ( QWR ). 
THEY IN TURN STATED WE HAVE TO DO A APPRAISAL. Before we can comply with your request. 
The Appraisal have nothing to do with the payment history. 
I strongly feel they missed payments which i made and need accounting
Last month I checked my statement it said the amount due was {$700.00}. I made a payment and then the next day I logged in and the amount was different from the statement. I made a payment but it said I still had a balance of {$150.00}. This company has been an absolute nightmare to deal with. Constantly adding fees with no explanation. I am a XXXX veteran who is currently out of work on leave without pay because my XXXX  for which I am rated XXXX % XXXX has been aggravatwd and I am in XXXX. These fees are getting ridiculous. I dont know why they keep adding them but at this time I can not afford to be throwing money away to unknown fees. I have tried to change the address on my account numerous times and they still have my old address which cause issues with payment because they put the payments through with the old address causing the payment to be returned resulting in additional fees.
I have been monitoring my credit score for the last 2-3 years.
I signed up for XXXX in XXXX of 2015 and have been monitoring my credit report and score. XXXX has FICO scores, and they currently give me a score of XXXX.
I also signed up for XXXX earlier this year because they seem to use a different model called XXXXXXXX XXXX. My score on XXXX is XXXX.
Bank of America seems to use FICO scores from XXXX. However, neither their FICO score, nor XXXX score matches my credit score on either of the individual credit bureaus. BofA gives me a XXXX. Not sure how they come to this score and they wo n't give an explanation.
When I visited a BofA branch, I asked the representative about this and they did not have an answer for me. They just said we pull the score from XXXX, to which I told them that my score on XXXX is much different that what they show me. BofA credit score makes it difficult for me to ask for a credit line increase, they have turned me down once already.
My job requires me to travel quite a bit and use my credit card for flight and hotel bookings, and I have to keep paying it off 3 to 4 times a month every time I travel.
It would be great if BofA could explain how they give me the credit score they show on online banking and correct it to what XXXX actually shows as my credit score.
JP Morgan Chase Credit Card record should have been deleted effective the end of XXXX, 2016 according to NYS law, statue of limitations, requires removal of record completely.
Equifax Information Services , LLC XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$8500.00}. This ACCT. was charged off listed with wrong balance please delete. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1200.00}. ACCT. was charged off listed with wrong balance please delete. 
3. ACCT. NAME : XXXX ( XXXX ). BAL : {$440.00}. ACCT. was charged off listed with wrong balance please delete. 
4. ACCT. NAME : XXXX ( XXXX ). BAL : {$420.00}. ACCT. was charged off listed with wrong balance please delete.
I reviewed my credit report on XX/XX/XXXX and I saw entries from XXXX  listed. I contacted Experian on XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report. I also contacted XXXX XX/XX/XXXX. They did not contact me back regarding the letter I sent them in regard to the alleged account.

I let XXXX  know that FDCPA 808 states : that a debt collector can not collect any amount of money that is not permitted by law or by an agreement.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I have yet to receive a response, it remains in my credit file. As of my last writing on XX/XX/XXXX, it still remains on my file. Clearly in violation of the FDCPA. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter.

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If XXXX has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy.

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; As I believe Experian is still using XXXX to verify when that has been ruled not to be verification.

If an account is modified or deleted, the furnisher is supposed to send copies of its modification to EACH CRA with whom the data furnisher has a reporting relationship. This way all the NCRAs can meet their responsibilities to update the consumers credit files, where applicable. This is directly from that report and has not been done because I sent proof of this and they still didnt do it.

All this correspondence I will be including for you as well. I had fraud on my account due to someone using my information to open account for which I have an alert on my file.
This is a fradulant student loan consolidation company. When I signed up for the consolidation I was promised over the phone that if I consilidate with them that my loans would be relieved in 3 years. After a lot of research and talking to XXXX and XXXX I found out that im basically paying these people {$39.00} a month for them to do nothing ( all thry did initially was submitted me for PAYE, pay as you earn on XXXX ) and I signed a contract with them thinking I wouldnt have any more loans to pay in 3 years which is absolutely not true. I was misguided and being naive about the situation and they scammed me and now they are cold calling me, and my family ( I have no idea how they got my families information, my family lives in XXXX and I live in Hawaii ). I have terrible credit now because of this company but refuse to pay into this scam so do n't know what to do, please help if you can, thanks!
Over the past few years, we have had a difficult time paying our Mortgage with Hudson City Bank due to loss of employment. Note : Hudson City does not fall under the US HARP program. During this time, Hudson City would not lower our mortgage interest rate despite numerous attempts to work with them. We also requested help from other financial institutions, but as we were current on our mortgage we could not qualify. Due to this situation, we could not be current on both our taxes and our mortgage. Over the course of a few years, we regained stable employment and our incomes have increased and however, Hudson City rolled our back taxes into our mortgage and rendered the monthly mortgage payment impossible to pay, despite the fact that we can now pay our taxes plus mortgage and a small portion of our back taxes. With new funds now coming in and increased salaries, we can make it work, but not under this new monthly payment. We attempted to send our mortgage payment + taxes into Hudson City, and they refused to accept this payment as they deemed it partial. Our actual mortgage was {$2200.00} our taxes appx {$900.00}, our check was for {$3300.00}. We are desperate for a resolution, be it rolling the back taxes into the final sale of the house, lowering the interest rate of the mortgage, or longer terms ... every time we discuss this with Hudson City Bank, each person states that it is not their department. We can not get to the correct department to find a resolution to this problem. We now will have to spend money seeking legal counsel for a foreclosure lawyer, rather than this bank working with us to assist in a better solution.
on XX/XX/2014 a fraudulent check was deposited into my account for XXXX I have since then tried to dispute it but no changes
Report received from LexisNexis has information that belongs to XXXX XXXX. This information is on XXXX XXXX and XXXX XXXX reports from Lexis Nexis. 

XXXX XXXX neither one of us. This incorrect reporting has caused our insurance to excessively higher, quotes higher and denied insurance. Insurance agent called XX/XX/XXXX saying it Show XXXX and XXXX as the same person. I advised them to look at the birth dates, XXXX was XX/XX/XXXX and XXXX is XX/XX/XXXX. Only after that she recognized the birthdate wasn't XXXX XXXX. This has caused serious financial hardship. I will be speaking with an attorney for legal action to recover financially.
American First Finance called me in XX/XX/2018. I explain to them I would make a payment on in the first week in XX/XX/2018. I made a payment of XXXX. I was ask to give them a date I could make my next payment. I wasn't able to give them a date. I asked them to not go in my banking account to try to take money out of my account I don't have in my account and every time you all go in my account. I'm charge with a XXXX fee. On XX/XX/XXXX I receive another call about remaining balance. I explain to the agent. I spoke to someone already about the remaining balance I owe and it should be documented in the file. I asked her to please stop calling me. I'm going to pay you all your money. I will give you a call when I get the money. The agent stated we going to keep calling you and you have a bless day and hung up in my face.