WillisBack/dataset-financial-user-claim huggingface dataset:
A property I own went into foreclosure after my mother in law died. I am in the process of selling the property and satisfying the mortgage in full, no short sale. In speaking to the bank previously, I knew there were added charged to the base principal for attorney fees, escrow advance, etc. 
When my title agent requested the official payoff for closing on XXXX XXXX, 2016, he received the attached document showing the payoff amount. This amount includes a new line item titled 'Lender Paid Expenses '' totaling {$4100.00}. I had gotten a breakdown from their attorney of the various fees being charged but nothing referencing this. 
When I called today to get a detailed breakdown of the charges, I was told they do not know what they are and the only way to find out was to make a request to the research department. Should be simple enough but was then told that they do not have phones. The only way to submit a request was formally in writing by either fax, which I do not have, or by mail. I asked how long until I receive the information and was told they have no timeframe for getting the information. 
So with a closing this week ( which would satisfy the loan without them having to foreclose ), I am being told I need to jump through hoops, submit in writing to a department without phones and an indeterminate timeline for response, to find out what they are charging me for. 
I believe they know that by stalling I will have no recourse to fight these unknown charges as the payoff will be made by the closing agent. They are hiding behind their research department to defend these false expenses. I believe I had a right to be notified of any expenses that were being charged to my account and since I have never received ANY paperwork showing such, it should be removed or proven. 
All I am asking for is a reasonable breakdown and explanation of the 'expenses ' being charged to me.
I have been trying for months to log in to my transunion account and its been impossible I click forgot password I put my information and it does not let me proceed to next step and they keep charging me XXXX $ I have called their customer service number and I'm literally on hold for over 45 mins. its impossible to get a hold of them and on top I paid for the report once to get my credit report didn't expect they would be charging me every month for it when clearly I'm not using it and cant even log in to cancel that subscription.
I have a XXXX XXXX credit card not showing up on all XXXX bureaus ' reports. I got the credit card in XXXX 2015. It 's been more than 90 days and I still have not seen the card showing up on the reports. I called all of them. Experian helped me to submit a dispute, which then gets solved in 1 day. My credit card now shows up on XXXX 's report. However, after calling XXXX and Equaifax, they refused to submit a dispute ( claiming a dispute can only submitted for an existing account which makes no sense ). I need the credit card to show up on all XXXX reports.
I HAVE BEEN TRYING TO CORRECT PAYMENT HISTORY REPORTING TO CREDIT BUREAUS SINCE XXXX HAVE CONTACTED THE CREDITOR SEVERAL TIMES, EACH TIME I AM TOLD THE PROBLEM IS BEING FIXED.WHEN I ASK TO SPEAK TO SOME ONE IN CORP. OFFICE I AM DENIED, THIS COMPANY IS XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX ACCOUNT IS NOT BEING REPORTED AT ALL ON MY CREDIT REPORT THEREFORE CAUSING MY SCORE TO DROP.I HAVE HAD THIS ACCOUNT SINCE XXXX AND STILL PAYING EACH MONTH ON TIME.TO ME THIS IS AN INJUSTICE AND SOMETHING NEEDS TO BE DONE ABOUT THIS COMPANY!
My Name is XXXX XXXX XXXX XXXX. Me and my dad share the same name However they put his information on my credit report. Such as tax liens and child support and other collections that I 'm not associated with. I would love another accurate credit report. It took me forever just to get this one and it is n't correct I 'm very upset with the services. My social is XXXX ...
I cosigned for a private student loan in 2009 for my sister. The loan was originally XXXX. It has since almost tripled in interest. My sister has graduated and is working as a XXXX to pay her bills. I reached out to XXXX XXXX ( now Navient ) on several occasions to be released from the loan. I was told I had to make 12 consecutive on time payments and I could be released, but I could n't make those payments in advance. So I have been having a hard time trying to maintain my sister 's loan payments and mine ( I currently have federal student loans from a different service provider ). They would not allow my sister to make income based payments, instead they wanted to use my income. I do n't understand that logic since I am not the primary person on the loan. Needless to say, we are now 3 payments behind with no relief in sight and it is negatively impacting my credit score.
i paid {$220.00} in credit cards. and {$50.00} more by check. i sent them a question regard who owed what and how much. i also received a bill from another company for less than what was owed. since i sent the question to them i have not heard from them. 
i think they were caught in the act. they said my account owed {$0.00} and my husband account was " inactive ''. 
is there a way i can have what i have paid back?
I have been a victim of identity theft. Midwest Recovery Systems has reported an account on my credit reports that do not belong to me for the amount of {$190.00}. This does not belong to me. I was never contacted by this company about this and I have no knowledge of it.
XXXX merged with XXXX in XX/XX/2017, and now I cant log on to pay my student loans or even contact them. I tried logging in to pay, and it kept saying the action was unavailable at the time. When I tried contacting them via the Contact Us form, it requested my SSN and then said I did not have an account with them. When I tried to register again, it said I have an account! I have been unable to speak with a representative to resolve this matter. I have been dealing with this issue for over a year and haven't had any luck. Also, I have moved since then, so my address has changed so I haven't been receiving any statements. ( I can not change my address because I can not log on to my account or contact a representative. ) Im at a loss of what to do.
I was a ward of the state of Illinois for my entire childhood through College. I lived in group homes, shelters and with foster parents until I was XXXX. I went to college and graduated. Then life happened ... I was struggling to pay my student loans from the time I graduated in XX/XX/XXXX. Especially in the years XX/XX/XXXX-XX/XX/XXXX when I filed for Chapter XXXX and got my divorce. I was not aware of income based repayments or other options. Navient ( Sallie Mae at the time ) did not alert me of other potions I had to repay my loan. If so I could have taken advantage of them and probably saved thousands in interest..and I probably would not be still paying now 22 years after I graduated. I still owe more than 6-thousand dollars after paying for more than 13 years. I don't believe this is fair. By my calculations I have paid what I owed with and additional XXXX dollars in interest.
A fraudulent charge was made to my credit card in the amount of XXXX XX/XX/XXXX which was reported and I was told that the charge did not go through and that a new card will be mailed to me. I did receive my new card and everything was fine until my XX/XX/XXXX statement with a XXXX charge. I did call the XXXX number, customer service and explained the situation and was told that it would be taken care of. I did receive my statement for XX/XX/XXXX with the same charge with fees and interest, another call to customer service only to be told that the matter would be looked into and I would be called back. I never received a call. On XX/XX/XXXX I did cancel that card. I have been trying to get this taken care of for 5 months, a charge that was fraudulent, and not to mention over a year later being billed for this. I am now getting collection calls and I feel my credit is in danger. I just received my XXXX statement with a balance of XXXX which is not even the fraudulent amount so I not sure how they got this number. I have yet to get this matter taken care of. I did mail a letter to dispute this amount. I am attaching a copy of that letter.
My own son did a lot of Dammage by knowing my name address age and soc.Securiry # XXXX. I can't trust the WEB. site However I have all this infomation now for you to save me. 


Original creditor : CAPITAL ONE BANK USA N A Overview You've paid off 0 % of your collection amount. 
Balance {$470.00} Highest Balance {$470.00} Opened XX/XX/2015 ( 3 yrs, 1 mo ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name CAPITAL ONE BANK USA N A See an error? 
You could dispute an error with XXXX. 

GO TO XXXX  Creditor Information XXXX XXXX XXXX
On XXXX XXXX, 2015, I entered into agreement with Nationwide Biweekly Administration to handle my mortgage payments on a biweekly basis ( as opposed to monthly ). I was told that this would drastically reduce the amount of interest I would have to pay, and would shorten the length of my mortgage. I have tried repeatedly to contact this company to verify that payments were being made to my lender, but every attempt to contact them ( by phone or email ) has resulted in a dead end. Suspecting that I had been scammed, I have spent the last 3 days attempting to contact customer service at NBA. Every phone number they listed lead me down a path of " technical difficulties '' or " high call volume '' excuses. Not once was I able to speak to a human being. I even entered the phone option to " close my account '' with them, but that too lead to a dead end. How can I put a stop to my relationship with NBA if there is no way to contact them?
I was on an XXXX XXXX flight when the flight attendant advertised the XXXX XXXX XXXX XXXX. She told the flight that the fee was waived for the first year and that XXXX bonus miles would be received when getting the card. <P/>When I finally received the card in the mail weeks later and activated it and looked on my account there was a {$95.00} annual fee on my statement. At first I thought this was a mistake since we had been told more than several times that the fee would be waived the first year. Upon calling the credit card company they said that they would not remove the fee, and that I would not receive any bonus miles until I paid the fee. These are extremely deceptive bait and switch tactics.
I applied for a car loan when purchasing a new vehicle - I obtained financing thru XXXX XXXX, the dealer also ran my credit with Ally Bank who in turn used XXXX XXXX - I received a letter today stating I was denied credit with Ally Bank via the XXXX credit report showing my score of XXXX. My current credit scores are XXXX, XXXX and XXXX - I am a XXXX XXXX XXXX XXXX XXXX XXXX and I am also in the XXXX XXXX and keep a close watch on my score. I have no idea where the XXXX is coming from and I feel it is incorrect and false reporting in order to charge higher interest rates. They stated the reasons for a low score were as follows : LIMITED HISTORY AT THIS PHONE NUMBER - I HAVE HAD IT FOR OVER 18 YEARS LIMITED CREDIT HISTORY - I HAVE TWO CARS, A MORTGAGE AND CREDIT CARDS THAT ARE PAID MONTHLY AND ON TIME LENGTH OF TIME AT RESIDENCE TO SHORT- I HAVE OWNED AND BEEN IN MY HOME FOR 11 YEARS TOO FEW ACTIVE ACCOUNTS- I HAVE TWO AUTO LOANS AND OVER 10 REVOLVING ACCOUNTS FOR OVER 5 YEARS I believe both Ally Bank and XXXX are at fault. I understand scores can be slightly different but definitely not by 100 points. These kinds of practices are unfair to a consumer especially if I was a consumer who did not understand how the credit score system works.
I was working with your agency on a case that you referred to the Office of the Comptroller of the Currancy ( OCC ), but you never gave me the case number for my case over there. I believe this company, RUSH card has me in a SCAM so I need to discuss it with them or with you to update you on my new developments on this same issue. What do I need to do now to provide my updated information? I do NOT want my case closed yet because of new developments! PLEASE!!
Chapter XXXX Bankruptcy discharged in XXXX but still reported as a charge off, open and derogatory on XXXX and XXXX. Have disputed several times but they just do n't understand FCRA RULES! Now the company website says permanently closed and they do not respond to disputes.
Regions Bank is reporting that I am over 30 days late on my monthly payment. I have proof that the bank receives the check but they do not process the check up to 3 and 4 days causing their system to show that I am over 30 days. I am not disputing that I was over 10 days and they can charge a late fee, BUT I was not over 30 days later! I should not be penalized for their process time ; they received my payment prior to 30 days past the due date of the XXXX.
Three times in XXXX Tidewater Motor Credit ( TMC ) took unauthorized money from our checking account. Using ACH they took the money and credited it to their client. They should return the money, we are not responsible for their dealings with this client as we do not know the client and we had no relationship with TMC prior to this activity. XXXX XXXX, XXXX, TMC used the ACH system to take {$2100.00} from our XXXX XXXX XXXXhecking account in a transaction labeled Loan Payment ID : XXXX ( see attachment 1 ). We discovered this and XXXX reclaimed the money from TMC on XXXX XXXX with no protest from TMC.
However, TMC had also used ACH to take money from our account on two prior occasions. On XXXX XXXX, XXXX, TMC took {$500.00} and on XXXX XXXX, XXXX, they took {$1000.00} from our XXXX XXXX account. Both transactions have the same Loan Payment ID : XXXX label as the XXXX transaction ( see attachment 2 ). XXXX offered no assistance on these transactions because of the time that had elapsed before they were discovered. TMC was not authorized to take this money. XXXX XXXX, XXXX, we filed a fraud complaint with the XXXX Police Department. The investigator hoped that TMC would refund the money to close the case. They are not willing to refund the money. On XXXX XXXX, after interviewing the client, he sent a letter to Tidewater Finance Company, ATTN : XXXX XXXX, Legal Assistant, XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX ( Evidently TMC is associated with Tidewater Finance Company ). The letter states that the client said she " did not know '' us and " did not make any payments from '' our account. The letter also states that our credit union account number differs from the client 's account number by one digit only. The investigation concluded that there had been an error made in entering the account number, leading to unauthorized transactions. Two weeks later the investigator sent a revised letter with the same date ( see attachment 3 ) to that same address. The revision was necessary because of an omission in the first letter. The revised letter states that we ... do not know '' their client and " did not authorize '' the payments from our account ( the original letter was missing the first not in this sequence. From the end of XXXX XXXX until XXXX XXXX, XXXX, we had many discussions with TMC representatives and jumped through their hoops to try to get the money back. We sent them information about our checking account, set up a three-way call with a XXXX representative, authorized XXXX to provide TMC with our personal information, and asked the XXXX Police to investigate. XXXX XXXX, XXXX, XXXX XXXX, Assistant to the Director of Asset Recovery Center for TMC, told me that TMC would not refund the money and that we would have to pursue their client for relief. They took our money but want us to deal with their client to get it back. At the end of that phone call, I pointed out the change in the revision letter, that XXXX XXXX had not previously noticed. XXXX XXXX, XXXX, I placed a call to XXXX XXXX, the legal assistant. I got through to his office and was promised a call back that I have yet to receive.
I am extremely upset because my bank Ditech refuses to provide me my modification contract. I made all 3 trial payments on time from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I also made a extra one for XXXX. However when I call Ditech to ask about my modification contract they just keep telling me that my modification is on its way but yet, I have not received anything and they are just prolonging my modification contract. I am about to make a 5th trial payment for XX/XX/XXXX. This is not acceptable I got in writing my trials by Ditech and I completed my part and get my modification contract.
My Bank of America XXXX XXXX card recently revamped their rewards program. Essentially the way it was explained to me was that they were making the redemption requirements more stringent and only beneficial after a certain amount ( XXXX ). Any rewards withdrawal before that threshold would receive less bonus. My credit card rewards have been changed and the changes only benefit the credit card provider not the consumer. My only recourse is to pass the XXXX point threshold in order to receive my normal bonus ( that previously was available to me at anytime ) then close my card and find a card with a provider that is designed to benefit the consumer not the provider.
In XXXX of 2017 I wrote to XXXX, Experian and XXXX  asking them to verify several accounts that were unbeknownst to me and I have yet to see a response nor a change in my report. The accounts are as follows : Experian 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
Plaza Home Mortgage company sold my loan and did not notify me of the event, I have auto pay and been watching my bank account and I noticed no payment, I called them and at that time I was told that my loan was sold to another company without any notice sent to me, XXXX XXXX was the new company I was told. My complaint is why is there no personal contact informing of such transactions, If I wasnt watching my bank account I would never of known about the transfer/sale of my mortgage
On XXXX XXXX 2015 we closed on the sale of our house and Bank of America received the payoff on XXXX XXXX, 2015. At that time we had an escrow balance due of {$3800.00} +-. We have not received that payment and after XXXX phone calls to their customer service line we can still not get information on when we will be reimbursed. We have spoken to XXXX XXXX who assured we would receive our payment via usps by XXXX/XXXX/2015 and she would follow up with a call that day. She never called. Again we spoke to another representative, XXXX XXXX who said he would call us by XXXX/XXXX/2015. We have not heard from him either. It should be noted we were told the week of XXXX/XXXX/2015 the check was being sent XXXX and should have it XXXX/XXXX/2015. In none of these cases were we given a tracking number even though we asked. Note also that on the attached documents the escrow report shows a deduct from our account, we have not received that money.
In XXXX 2016 XXXX XXXX closed all my checking and savings accounts and credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts, security freezes on each of my credit reports : TransUnion, XXXX and XXXX. <P/>I have called each credit bureau, submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail. <P/>Requested Action : Please contact each of the credit bureaus to remove ALL fraud alerts and security freeze notices so that my XXXX XXXX can get credit information for my ready reserve applications. My XXXX XXXX has applied five times and can not get credit information to approve my application for new reserve accounts.
I was recently denied credit based on information retained by Equifax Credit Information service. When I tried to inquire by phone at the given number XXXX, I got an automated attendent that after I told it " Denied '', it said I had to use a credit card to pay for my report/score. I tried to tell it otherwise, but it seems preset towards this option. The only other option given for communication if by mail to a XXXX. This all appears unfairly set up to discourage compliance with consumer requests.
No court showed any judgments. Judgment was removed off credit report on XXXX XXXX. I did n't even know a judgment existed! Was never even notified! They wiped out my bank account and took 100 % of my money. I was on a payment plan with Sklar Law. I had a baby and told them due to FMLA, it was not paid. I contacted them in XXXX XXXX and temporarily stopped my repay plan with them agreeing i would return. In XXXX XXXX, i went back to work and called to restart my repay plan. They denied and hung up on me. I called in XX/XX/XXXX, same issue, they denied to restart my repay. Never told me anything on any judgment, nor did i ever get any mail. i hired XXXX to help my credit, then all of a sudden, Sklar Law took my money a few months later. I called again on XXXX XXXX, XXXX and was cursed at and huung up on 7 times! I called the court administrator and she said they never told her i was on a repay plan. After numerous calls, they finally admitted that i was on a repay and stopped it. The court administrator supervisor said she was going to call me. Due to XXXX, i had to leave the apartment complex i was in.
I have a discharged Bankruptcy from XX/XX/XXXX. 
Included was Bank of America account # XXXX for property address XXXX XXXX XXXX, MI XXXX. 
This account was discharged by a Judge. 
I have requested Bank of America to close the account more than 2 dozen times. 
I have filed XXXX Complaints. 
Engaged their Escalation department. 
Provided copies of my Chapter XXXX Discharge. 
They Continue to send me monthly statements with interest accruals and balance increases. 
They have place notices on the statements stating this is only for informational purposes ; however, have stated on the phone the loan needs to go through its normal process. 
They simply will not close out the account and continue to send sketch statemetns.
XXXX XXXX this account appeared on my credit report for {$1600.00} referencing the XXXX XXXX of XXXX XXXX XXXX. I have requested verification, through disputing, of this medical bill from Amcol Systems Inc. and I have  received no response. Then I hired XXXX XXXX to dispute and request verification with no response. In early XXXX XXXX the account was taken down to a zero balance but the account remained on my report ; then XXXX XXXX, XXXX the account went from a XXXX balance to {$2200.00} with no explanation ; still just a reference to XXXX XXXX XXXX. The date of the reporting date still remains as XXXX as if the {$1600.00} suddenly changed to {$2200.00}. I would just like to receive some type of clarification for the {$1600.00} and now for the {$2200.00}.
I have problum with PNC bank auto department. last month XX/XX/XXXX, I call about payoff amount they told me {$14000.00} which they took from my acct XX/XX/XXXX I told them please cancel my auto debt from my acct, They told me we cancel auto debt, XX/XX/XXXX they took {$5000.00} again from my acct, I call pnc bank they told me by mistake we took but we will reemberse XXXX back to your acct today XX/XX/XXXX I call them do you send money but their answer it will take another 7 days to send ck, is it fair when we owe bank they charge interest every day so their mistake we suffer to get our own money
I am making payments but they don't like the amount I am paying. I am sending money ey every month either early or on time. They say it is not enough. I can't afford their plan and they don't like mine.