WillisBack/dataset-financial-user-claim huggingface dataset:
From beginning of XX/XX/XXXX up until XX/XX/XXXX, I have been trying to work with my lender to try to get something done about the property. I informed them back in the early party of XX/XX/XXXX that i had been laid off of my job and i needed to do a loan modification to try and offset what i new would happen inevitably. I tried to do the modification, but eventually my unemployment ran out, so i began to look for a buyer, when i could not find a buyer on my own, i recently went to a Realtor. I was under the impression that i had to pay a realtor to actually list the property. I do not deny that a lot of this situation is procrastination on my part, but i need this short sale to make the matter right. 
The property is listed at {$130000.00} and we have had a lot of activity with phone calls and showings. I currently have an offer that i would like for the lender to review.
XXXX   XXXX   XXXX  Has been reporting since   XXXX   an account for the   XXXX   XXXX   XXXX   XXXX  ver a payment that was between my insurance and the billing department of the clinic. The  Clinic was in dispute with the billing company due to over payment and improper  billing. When this issue was resolved I received documentation from my insurance company, forwarding a copy to   XXXX   XXXX   to have this removed from my credit report since it was not directly my fault. Instead it was not properly removed by all reporting agencies and updated with    XXXX    on  XX/XX/XXXX .     I was advised this morning that this is still active and not deleted.
On XX/XX/2018 I did submit a compliant ID # XXXX via Consumer Financial Protection Bureau because of Credit reporting Incorrect information on your report on Equifax showing the account with current past due balance and open with 11 current missing payments on my XXXX Account # XXXX. The correct account Status : Account Closed on XX/XX/2018 Payoff Balance ( attached letter of Payoff of XXXX ) I did dispute the wrong information on my credit report with Equifax, on the others credit report agency has no problem, the information is correct. 

I did make two disputes with Equifax. 

- Equifax Confirmation Number : XXXX - Equifax Confirmation Number : XXXX On both disputes, the resolution of EQUIFAX was that XXXX indicated that the information on my credit report was correctly, leaving the account on my credit report with incorrect information about account status ( Open, with Current Past Due Balance, etc ) As no resolution from Equifax and/or XXXX I did submit the compliant ID # XXXX via Consumer Financial Protection Bureau with XXXX and EQUIFAX because on my EQUIFAX report indicated that my Leasing-Auto Loan with XXXX XXXX  show a status of Open Account with current Past Due Balance of 11 missing payment late more than 120 days. 

On XX/XX/2018 - XXXX answered the compliant with information reported incorrectly on my credit report. Account : XXXX. XXXX request update information on EQUIFAX as informed by creditor XXXX XXXX  to Equifax via XXXX XXXX XXXX XXXX XXXX # XXXX Submitted on XX/XX/2018. Equifax SC : XXXX ( attached evidence ) After that EQUIFAX corrected the information as of XX/XX/2018 on my credit report ( attached evidence ) with the following information. 

XXXX Closed Account Between XX/XX/2018 and XX/XX/2018, your XXXX XXXX automotive account appears to have been closed. Between XX/XX/2018 and XX/XX/2018, your XXXX XXXX  automotive account balance decreased by {$11000.00} from {$11000.00} to {$0.00}. 
Lenders like to see that you have experience successfully managing your credit. Closing an account could affect your average age of credit history. Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. 

On XX/XX/2018 I did receive an alert on my credit report of EQUIFAX indicating the following changes : Account status- Open Account ( Re-open ) XXXX- Balance Increased by $ XXXX Between XX/XX/2018 and XX/XX/2018, your XXXX XXXX   automotive account balance increased by {$11000.00} from {$0.00} to {$11000.00}. 
It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 

I did call EQUIFAX on XX/XX/2018 and the rep opened another ( 3rd one ) dispute # XXXX because EQUIFAX indicates that XXXX is reporting the account Open, Past Due and with current Missing Payments ). I have no issue with the other credit report agencies, it is only with EQUIFAX and this account of XXXX impacting negative my credit score/history on my credit report.
XXXX XXXX XXXX. XXXX is the new managing agent as of XX/XX/18. I have called over 3+ times to inform US BANK of the change in addition to faxing, and writing a formal letter with a management agreement attached signed by the president of the board for this building. This is a co-op in NYC-it is a residential building which operates as corporation comprised of a board ( with board members that are elected annually ) we are the new management company and we handle all the affairs/operation of this corporation/building. The mortgage company refuses to forward the statements to our office. They refuse to grant us online access to review the information online. Although they are gladly accepting payments from us and applying them accordingly to the account. The building reserves the legal right to receive a statement. The loan in itself is almost maturing but the board is unable to view any statements since they have switched management companies. Another conflicting issue is that some way the previous management company ( which managed the building less than 1 year ) was able to receive statements/mailings from US BANK.
With the greatest respect to the government agency that ensures the protection of rights of consumers. I am the XXXX student and have applied three XXXX, XXXX XXXX and Discover entities for the student loan because the search engine gave me the option of private loans without COSIGNER as soon as I have applied my credit score downgraded and I had an issue with renewing and renting new apartment. Their decision, all three was to provide COSIGNER with high credit score and applicable income which by itself makes it impossible because COSIGNER which signs contract also loses Credit Score. I have already finished most of course load and if I knew that my credit score was to downgrade just for applying and I wont be able to receive impossible term student loan I would have even applied. My complaint based on if you get rejected why should you score downgraded, why three companies aggresively advertise private loan without cosigner in the search engines such as XXXX, and the most important why would person cosign if he already knows that his score is going to downgrade because later the financial institutions will increase the cost of borrowing and all other consumer purchases would be expensive for him or her. Right now I have issue with renting apartment because of that and I have family and kids. I have the lifelong experience and education never consign and never apply that makes me not wanting to access finance thus leading to financial XXXX  so it happens to be the services for the status selected which credit bureaus assume from family history and other criterias. My complaint is not take action but for improving the system set by private businesses. Thank you.
XXXX XXXX I cleared my residents with XXXX XXXX XXXX the property manager after living there for 3yrs. Upon the inspection to clear I was informed that I will not be charged for any damage or maintenance ( ie, painting, carpet cleaning etc. ). It was just normal wear and tear. About a year later I checked my credit report and I had a collection on it from XXXX XXXX XXXX thru Credit Bureau Services. I have never rented any property from XXXX XXXX XXXX. I decided to go back to XXXX XXXX to ask a few questions. Come to find out after I moved out, the owner switched property managers to XXXX XXXX. Also I was told he went in and did his own inspection after I had moved out and cleared by XXXX XXXX. My question is how can he go in after I have been cleared and charge me for damages and maintenance with a different property manager. If there was truly any damages, why did n't it go thru the property manager I was originally with. For 15 of those months I was XXXX and the house was not occupied. I was XXXX from XXXX XXXX to XXXX XXXX. Sounds like I was being the fall guy for painting and carpet cleaning.
XXXX XXXX XXXX - says I owe {$1700.00} for a XXXX XXXX bill. I previously disputed this and it was removed from my credit. It was reinserted with a new date of XX/XX/2017 versus the previous date which was years ago. This is not my debt, and I have received XXXX information ( written or otherwise ) about the debt.
According to Tennessee state licensure verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX. The amount for this debt is {$460.00}.
I have a Dillard 's credit card acct I have always received the statement in the mail and go in store to pay my bill. I received a credit card in the mail that I did n't request and thought to use it for purchases on XXXX. I had the card for almost a year and never used it. when I used the card it did n't allow the transaction to go through.So i used cash, thinking i have to activate the card in order for it to work. In XX/XX/XXXX I tried using the card and the cashier said the card is denied. I thought that was strange I never used it before. I called the number in the back of the Dillard 's credit card to learn I have an outstanding bill of {$290.00} and was deeply concerned only to learn my account had gone to collections. I asked the collector why did n't I receive a statement he stated we do not have your current address on file. I mentioned receiving a brand new credit card from Dillard 's to my home and not a statement showing a purchase back in XX/XX/XXXX. He then responded that there was originally a {$43.00} purchase made on the card back in XX/XX/XXXX and said I will receive a letter in the mail on this investigation he will look into my account.After several calls to the creditor I received a letter in the mail that they 've reduced the late fees from {$290.00} to {$100.00} however they can not remove it from my credit report.I am writing to you to please help to resolve this case and restore my credit back to normal.I am surprised at the way Dillard 's treated me, I have had an account with Dillard 's since XX/XX/XXXX. I learned that they 're now a outlet and probably have sold accounts to collectors.Dillard 's is not operating as the department store it now a clearance center.
On XX/XX/XXXX, I used a PayPal credit account to purchase XXXX XXXX at XXXX $ On XX/XX/XXXX and XX/XX/XXXX, unauthorized charges showed up on the account for the amount of XXXX. I did not make these purchases and am unfamiliar with the vendor. 
I discovered and reported this to PayPal on XX/XX/XXXX date. 
I filed a police report on XX/XX/XXXX. 
On XX/XX/XXXX, PayPal informed me via phone of the review of the charges and determined that they were authorized. 
On XX/XX/XXXX, I submitted a copy of my police report to PayPal. 
On XX/XX/XXXX, PayPal informed me that upon secondary review, they determined that the charges were authorized. They informed me that they would be sending me written notice as to why they were determined to be authorized charged, however they have not done so. 

In addition to the fraudulent charges on the account, the charges have been accruing interest for which PayPal now claims I am responsible.

PayPal is not calling me multiple times a day in order to request that I pay the unauthorized charges. I have attached a call log of the frequency of these phone calls, which totals to more than 70 calls since XX/XX/XXXX.
the lender raised the interest few days before closing the deal of buying a house at this point I had no choice but to accept otherwise I will lose the house. 
few months before I was approved for 4 % from other lenders before. upon finding the right house I signed a contract with the suggested lender from my agent XXXX to make the deal as fast as we can ) with interest no more than 4.25 % and he promised to try to get it around 4 % and they gave us an approval letter after I gave him all necessary documents. 
and few days before closing the lender amend the contract upon his request to change the interest to 4.625 % and I had to accept in order not to loose the house. 
more over the lender sold the loan to another company ( XXXX ) within 1 month only ( it looks increasing the rate makes it very easy to sell the loan to other company with good profit ) I asked to get copy of the original contract but the lender did not responseI will submit attached the amendment to change the rate from 4.25 % to 4.625 % on page XXXX from the file.
I heard on XXXX news that XXXX XXXX was fined for credit card scams. The same credit card scam has happened at Bank of America in XXXX, Maryland on XXXX XXXX. Customers like myself had credit cards opened in their names without their knowledge. Bonuses was given to the bank representative that fraudulently applied for the credit card. I have reported my incident to XXXX bank managers in XX/XX/XXXX and the other in XX/XX/XXXX. I mailed a letter to the CEO of Bank of America in XXXX XXXX. I gave the current bank manager ( XXXX ) a copy of the CEO letter. XXXX filed a formal complaint on my behalf. An employee, XXXX was terminated ( according to XXXX ) for committing the credit card frauds and I was not the only customer the fraud/scam was committed against. The bank manager XXXX XXXX, did not file a complaint in XX/XX/XXXX. She acknowledged that XXXX had committed credit card fraud and I had not received a disclosure ; however, she requested that I use the card to get rewarded for purchases. In addition, I was to see XXXX XXXX should I have concerns, employee XXXX has a XXXX and she would take care of the situation. The purchase reward, according to XXXX XXXX, would pay the credit card balance after I used the card for XXXX year. I have used the card for one year and I have not received purchase rewards to pay-off the credit card balance. XXXX XXXX is working at a Bank of America branch in XXXX, MD on XXXX XXXX, according to XXXX. I am concerned that this scam involving Bank of America has not been addressed for I am waiting for a response to the letter I sent the CEO and the formal complaint filed by XXXX, Bank Manager. Recently I was sent a letter from Bank of America stating changes to my credit card agreement. How am I to agree with recent credit card agreement changes if I never received the initial agreement/disclosure? I have no idea what information was used to apply for the credit card. I never discussed credit card, never had any intentions on applying for a credit card with Bank of America, and only went to the bank the day the credit card information was submitted to get a check register.
Walmart closed my account for no reason after I paid off my balance in full on XX/XX/XXXX then a week later they closed my account!
My home was given a auction date for XX/XX/2016. Nationstar was contacted and they told us we could still apply for making homes affordable. During this time my father was diagnosed with XXXX. We had to move closer to him. We collected all of our financials and sent in our paperwork to nationstar. I researched with making homes affordable and the rules say while in the process of making homes affordable the auction date stops until s decision gets made. I stayed in contacted with nationstar and is n't it convenient that after the auction date they claim we did n't get our paperwork in. But after fighting with them about they then admitted we got our paperwork in but we were missing 2 items. But instead of notifying us they just said sorry to late. Now we 've lost our home. Our mailing address had always been my fathers home in Massachusetts because that 's where we work. Nationstar has always sent all our correspondence there. Along with XXXX their attorney. We never received any paperwork telling us we could get our belongings out of our home. So now in XX/XX/XXXX we find out our home is for sale and all of our belongings are gone. Our hutch my father built us, our wedding videos. Our furniture. Our rocking chair from our shower. Everything. After contacting nationstar again and waiting 3 months for an answer they claim they sent us notification. We never received. At the mailing address we have always used. Is n't that convenient. So now they auction our home off and get rid of all our belongings.
The IRS withdrew my tax lien but Equifax is showing it on my credit report as " released. '' I requested an investigation but got nowhere. Equifax simply confirmed the incorrect information. A withdrawn lien is supposed to be completely removed from my report altogether!
I opened a new BB & T Bright Banking checking account at XXXX XXXX XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, MDXXXX ) on XX/XX/XXXX. I was assisted by XXXX XXXX XXXX, a branch banker whose contact number was XXXX. After finding out that the advertised bonus was not credited, I visited the branch in person on XX/XX/XXXX and found out that he was no longer working there.  According to the checking promotion when opening the account, using U app by BB & T bill payment service to initiate 3 online bill payments of {$25.00} or more each from the the new checking account within 75 days of account open date ( XX/XX/XXXX ) before XX/XX/XXXX and maintaining a good standing ( no XXXX or less than XXXX   balance ) checking balance per statement cycle for 120 days after account opening, I should have been credited a {$200.00} bonus within 4 weeks of meeting the requirements. I met those requirements in early XX/XX/XXXX and the bonus was never credited. I can provide the promotional card and account balance details downloaded from BB & Ts online banking. 
After the 4 week waiting period, I visited my new banker XXXX XXXX   at the XXXX XXXX branch in person on XX/XX/XXXX and was told that she couldnt resolve the issue at the branch level, would submit the case to the marketing team, and someone would get in touch with me within 24 to 72 hours. However, I never received that call. Eventually, I reached out to the customer service on the phone and hoped to get help from them. They confirmed my personal information and told me that they need more research on my case and hung up on me twice without giving me a case number that I could have followed up with. In addition, the customer service representatives never called me back for further assistance. At that moment, I realized that no matter how many times I call, I would get the same answer all over again.  Furthermore, when I was opening the checking account, I double checked with the former banker on the authenticity of the promotion and he confirmed it. I have never experienced this degree of dishonesty before. It seems no one in BB & T is actually willing to look into the case.
DISCOVER CARD BALANCE TRANSFER WAS OFFERED I ACCEPTED IT NOT NOTICING AT TH E TIME SOME FINE PRINT A FEW DAYS LATER AS WELL AS OTHER DETAILS. SO I CALLED IN AND INFORM THEM THIS OFFER IS NOT IN MY BEST INTEREST. THEY TOLD ME THE PROCESS HAS ALREADY STARTED. I ASKED WHAT DO I HAVE TO DO. THEY SAID YOU HAVE TO RETURN THE MONEY BACK IN FULL. OF COURSE YOU KNOW IT IS A PROCESS FOR THEM TO SEND THE MONEY TO ANOTHER BANK AND ITS A PROCESS FOR ANOTHER BANK TO SEND THE MONEY BACK TO THEM. WELL DISCOVER CARD STARTED THE PROCESS ON  XXXX   XXXX     2017  THE MONEY WAS PAID IN FULL BACK TO THEM  XXXX   XXXX   2017 . YET THEY REFUSED TO REFUND ME THE {$400.00} FEE THEY CHARGE ME FOR THE BALANCE TRANSFER AGREEMENT WHICH I DO N'T HAVE NOR WANT. I WAS TOLD TO CALL TH E OTHER BANK AND ASK THEM FOR THE {$400.00} WHICH IS STUPID BECAUSE DISCOVER CARD BILLED ME {$400.00} NOT THE OTHER BANK IF ANYTHING THE OTHER BANK PAID EVERYTHING IN FULL ( SO DISCOVER CARD OWES ME ). THEIR REPRESENTATIVE KEPT REPEATING THE SAME THING OVER AND OVER AGAIN WHAT HER SUPERVISOR AND THE BALANCE TRANSFER DEPT TOLD HER TO SAY. FINALLY I TOLD THEM I WILL BE REPORTING THIS INJUSTICE AND GREED BECAUSE I WILL NOT BE TAKEN ADVANTAGE OF. I WAS ASKED TO RETURN THE MONEY AND I DID JUST THAT. YET YOU STILL BILLING ME FOR AN OFFER I DONT HAVE. I NEED HELP!!! THIS IS NOT RIGHT. THE ACCOUNT MANAGER SAID THEIR IS NOTHING SHE CAN DO. I ASKED HER TO NOTE MY COMPLAINT AND THAT I WILL BE FILING COMPLAINTS AS WELL AS INFORMING THE MEDIA, THE BBB, THE INSPECTOR GENERALS OFFICE, AND THE FEDERAL TRADE COMMISSION IF I AM NOT REFUNDED ... .. PLEASE   HELP ME BEFORE THIS GETS UGLY BECAUSE I WILL TAKE THEM TO COURT ... .. THANK YOU
I have sent letters of dispute to this company requesting for valid validation and they laughed and hung up on me. they have reported this on my credit report. They refuse to give me who the client is. I have requested over and over to remove this debt I do not owe. I have never ever received anything from this company. except calls and hangs and call after XXXX. I have informed them if they do not remove this account that I do n't owe I will hire a lawyer they told me if I can afford this then pay my bill. I tried to speak with several different people that have names they refused to spell. I had attorney draft a letter and she spoke witl XXXX XXXX who told her they never got a letter., We have a copy of the signed certified letter. This is just another tactic of their violation of the FDCPA
XXXX and XXXX representatives have been repeatedly calling me and everyone I had listed as references on their application, friends and family, calling them repeatedly, even after they said to stop calling, but continue to call XXXX times daily since XXXX XXXX, 2015. They have also inappropriately shared sensitive information to these XXXX parties.
On XXXX XXXX, 2016 I submitted a bill payment for {$990.00} to a merchant through the reloadit safe ( www.reloadit.com ). When setting up the payee information, I entered the wrong account information. When the payee received the payment they could not match the account number and returned the payment to Reloadit ( through Reloadit 's vendor XXXX ). I have been trying to work with Reloadit and their parent Blackhawk networks since that time to get a refund. On XXXX XXXX I was told that the case had been resolved and they would mail me a refund check in 30 business days. After several follow up calls, on XXXX/XXXX/16 Blackhawk said they would resubmit a ticket and it could take 30 business days to resolve.