WillisBack/dataset-financial-user-claim huggingface dataset:
My online Bank of America ( BOA ) credit card account ( ending in XXXX ) statement indicated an 'unclaimed credit ' in the amount of {$260.00} as of XX/XX/2018 I contacted BOA supervisor XXXX  regarding this unclaimed credit on XX/XX/2018 requesting that the {$260.00} be applied back to my credit card account. XXXX indicated that BOA sent the {$260.00} to the State of Texas. XXXX  noted I have to contact the State of Texas in order to get the money that is rightfully owed to me. I asked XXXX to speak with an upper level supervisor. XXXX indicated, " I ' the highest level supervisor available at this time. '' This is concerning, as I'm a long-time ( over 20 years ) customer with multiple BOA account. I've had no issues in the past requesting BOA to apply overages/credits back to my account. Thus, I would expect BOA to make every effort to contact a valued customer before deciding to move in this direction. Prior to this phone call, I was never notified of this 'unclaimed credit ' by BOA .

I spoke with the XXXX ( Texas unclaimed Property Division/Texas Comptroller ) on XX/XX/XXXX regarding the above. XXXX indicated there is no claim in the system under my name. She noted that it could take a month or two before the claim shows up in their system, which afterwards I can initiate a refund claim. She also indicated that funds are usually not turned over to the state until 3 years of inability to make contact with the customer. Thus, it could be months before I receive my funds. Therefore, I'm very concerned that BOA in this deceitful manner.
I signed a lease at XXXX XXXXXXXX XXXX XXXX in XX/XX/XXXX for the following year XX/XX/XXXX-XX/XX/XXXX, I later found out that I had to move due to military orders and notified the apartment complex verbally. XXXX XXXX was the leading manager at the time and he told me that he would take care of the issue and I was fine. Turns out they still had me under the responsibility of the lease, even though another person, XXXX XXXX, moved into this same unit # XXXX during the time of the lease. I also later realized that I didnt pay any application, administration or deposit and the complex ran my credit any way and allowed me to sign a lease before getting approved. I called and they told me that they didnt have any emails or other records from XXXX XXXX because he quit. I went to talk to the new leasing manager, XXXX, and she did not provide me with any assistance, instead she gave me the number to the property manager, XXXX XXXX XXXX. I contacted XXXX XXXX through email and he asked for my the military orders and I sent them. After several weeks of no responses to my constant emails, voice mails, and text I sent a final email on the intent to sue for wrongful debt. Then and only then did another person, XXXX XXXX, call me and left a voicemail informing me XXXX XXXX XXXX forwarded her my information and also told me that the military orders are not what they are used to and told me I needed to turn in a signed form. However, XXXX XXXX has not returned any of my emails either about this form and it is getting frustrating because Ive been trying to resolve this issue for months. No one is trying to help me and this mark is ruining my credit. I never moved in, never received keys, and they allowed someone else to live in the unit that I was supposedly supposed to be paying for. This is so frustrating and I do not want to be bothered with this apartment any further.
I have been paying above my standard payment since I first began paying my student loans. When setting up autopay with Navient online I verified that any amount payed above my standard payment would go to the loan with the highest interested rate ( this was actually shown to be the default setting within my profile settings on the Navient website ). As I began paying off loans with other loan servicers I began moving the payment that I had been making to those companies over to my Navient loans to apply towards principle. I again verified the allocation of extra payment to the loan with the highest interest rate when I added to the principle payment in XXXX of 2018. In XXXX of 2018 I began looking through my loan statements as the loans I have with Navient are the only loans I still have left. I noticed that the extra principle payment I was making each month was not being correctly applied to the loan with the highest interest rate. I called in to speak with someone and they apologized but said unfortunately that isn't how my account was set up. While on the phone I logged back into my account and as I explained to them it still showed in my personal settings in my profile that extra funds would be applied toward the highest interest rate. I requested multiple times to speak to her supervisor as all she could do was apologize and say that wasn't how it was set up in their system. She finally asked to place me on hold while she got someone else for me to talk to. A few minutes later she came back and said she had fixed it and going forward the extra funds would go to the loan with the highest interest rate. It was obvious I wasn't going to get the chance to speak with anyone else so I stated I would gather all my paperwork and call back. I pulled all the information I could from what was provided in my account but a lot of information wasn't available such as the individual interest rates of the loans since I first started paying. I called back in a few days later and explained the situation and requested all the information I could get on my loans so I could go back over where and how my payments had been applied.
I received another alert through XXXX  on XX/XX/2018 updated by Equifax with another derogatory reporting with an increase in amounts labeled charged off. Equifax and XXXX XXXX XXXX reporting is listed under revolving account. Equifax does not have an effective investigative method that shows all the new information and changes made by XXXX XXXX XXXX  over the last 5 months.
Capital One of XXXX XXXX XXXX XXXX XXXX XXXX UT had reported XXXX/XXXX/XXXX to Experian Credit Bureau, that account # XXXX was not late XXXX XXXX, as Capital One had previously reported XXXX, XXXX of XXXX and XXXX XXXX. 
This inaccurate reporting effectively RE AGES the account to report past the statute of limitations for reporting to credit bureau under the Fair Credit Reporting Act. 
When I asked Capital One for a payment history from XXXX to XXXX, Capital One stated we delete old files. When I asked for signed copy of the application for validation of debt they did n't respond. 
I mailed to capital one copies of the early statements that I had on hand for XXXX and XXXX with late payments listed and Capital One did n't answer certified return receipt mail. 
The late charges on the statements are -- XXXX for {$29.00}, XXXX for {$29.00}, XXXX for {$29.00} XXXX for {$15.00}, XXXX for {$29.00}, XXXX for {$39.00}, XXXX for {$39.00}, XXXX for {$29.00}, XXXX for $ XXXX no change. 
The date of first delinquency is inaccurately reported. 
The payment history is inaccurate.
In short, our Title Company and original Mortgage Company both paid our real property tax for the second half of XX/XX/XXXX (due on XX/XX/XXXX)- paying double for our 2nd half property taxes and depleting our escrow account.  Additionally the original property tax amount that was supposed to be withheld was based on a XX/XX/XXXX DC appraisal rate (not our new development home), so there was additional property taxes needed to be paid.  The Loan was transferred to LoanCareXXXX in late XX/XX/XXXX, and they immediately decreased our loan amount by XXXX a month.  I called and asked them why they decreased it and was told "to not worry about it as its normal".  I explained that I couldn't imagine how that could be with the improper property tax amount, and asked them to look into it.  They never did.

 Come XX/XX/XXXX, and our loan payment increased XXXX dollars.  Upon calling LoanCareXXXX, they said that it will continue that increase for all of XX/XX/XXXX, explaining that my escrow account was depleted and required a certain amount at the beginning of each year  to meet escrow, PMI and DC property taxes.  I discussed with the original mortgage company and title company and they identified the issue that the Title company inadvertently paid the taxes twice- emptying our escrow account (which shows up on public record for the DC government).  All XXXX of us (Original Mortgager, Title Company and Myself) called LoanCareXXXX to explain  the situation and ask for an adjustment given enough was paid for the XX/XX/XXXX 1st Half DC property taxes due on XX/XX/XXXX.  LoanCareXXXX said that "they do not look at the DC government tax website when calculating these rates and will not do so" and that their "property tax department doesn't talk to the escrow department".  We explained though that without checking with the government on how much taxes are owed for XX/XX/XXXX 1st half, they would be paying an unnecessary surplus...and withholding an unneeded amount in our monthly payments.  The agent got frustrated and told us to send the tax information to LoanCare.  I did so on XX/XX/XXXX both via email and their online email system.  At this point, the payments listed have not changed, DC government says they cannot return any property tax payment, and LoanCareXXXX has not contacted me back about how they are going to make the proper adjustment.

In short, we just want to pay what we actually owe and have our loan service due their legally required due diligence in serving our loan.
I was paying off my principle and interest on loans while I was actively enrolled in school. I read that by doing this my interest rate for future loans would be reduced rather than continuing to increase. However, my interest rates continued to increase significantly even though I was paying some of my loans off in full. They also did not provide loan repayment options, help with consolidation, or track my payments.
I did not have XXXX as a provider on XX/XX/2015 I had at & t I do not know where this bill came from or who it belongs to, it is very damaging to my credit and I need it removed immediately. The derogatory remark on my credit report is stating that the account got sent to the collectors. I have never been notified about this bill and did not even use XXXX in 2015.
I filed a complaint about a week ago but I didnt receive a confirmation so I dont know if I filed it incorrectly but just Incase Im going to submit it again but on XX/XX/18 I received an email saying that my XXXX  report had been pulled for a hard inquiry for my mothers account. I never gave permission to my bank to pull my credit and it makes no sense as to why they would pull mine because Im already a member and already had my credit pulled for my account. The lady from bank told me she also does not understand why they pulled a hard inquiry on me either because I got a hard inquiry pulled for my account earlier in the year. She told me to dispute it with the credit bureau. I know this is all a misunderstanding but my credit dropped 7 points and I got another hard inquiry and I only have two on my report and both are from same company! I was working so hard to get my credit to where it is now because I have been eyeing a card from chase for years which Im just now possibly capable of being accepted for but this hard inquiry and credit drop really change that possibility for me. Please help me
I refinanced the loan on my home back in XXXX 2012. At that time XXXX XXXX was my loan servicing company who had the practice of applying any amounts over my fixed loan payment to principal. Later, the loan was sold to XXXX XXXX XXXX where the same procedure was followed. Recently, my loan has been sold again to Ditech. I received my first statement which includes the following language in the transaction activity section : " Any partial payments that you make are not applied to your mortgage, but instead are held in a separate un-applied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' As I understand it, the excess payments I send in will not be applied to the principal of my loan and therefore I will be paying interest on a partial principal that the loan servicing company refuses to post to the account. This appears to be a change in how excess payments to principal are handled and is injurious to the consumer.
I received a notice to attempt to collect a debt from some XXXX+ years ago in which I know I would have never gone without paying, however, I do not keep my bank records past that far to prove it. XXXX XXXX XXXX response to that is " oh well '' this company says you owe them. 

How is it possible that a company can come to me after XXXX+ years and just say I owe them, when I have not received a single call or letter, statement, bill of any kind in all these years. Not too mention numerous occasions in which I have applied for credit and had credit reports pulled with no history of this " so called debt ''. 

I am supposed to just take their word for it and pay them??
I started paying a loan to XXXX back in XXXX. This was for a credit card that started out at XXXX XXXX I agreed to XXXX at there balance of XXXX. So I paid XXXX $ a month and now its XXXX and I owe now XXXX. I paid towards this XXXXand out of that XXXX they took XXXX out of the XXXX. How can this ever be paid off if I 'm owing more than I started at? I just received my information on my balance as I 'm getting concerned seeing that this is never going down. Id appreciate you looking into this. Ive attached my statements.
I filed bankruptcy years ago and included a XXXX XXXX XXXX student loan that was discharged. I have spent too much time getting XXXX to finally remove it because it was in the BK and past the statute of limitations. Now there is a company reporting the loan to my credit called XXXX XXXX XXXX which doesn't have a working phone number to be able to contact them. I have tried to dispute it with Equifax and XXXX but they didn't properly investigate because if they had they would see that they cant get in touch with this company to properly verify it. Had they, they would find out this is a debt that was in a BK and past the 7 year SOL and cant be reported. Please help with this. I have attached my entire BK file and page 21 by itself so you can see the loan was in the BK.
Equifax had a breach. Why should I have to put my sensitive information out there to get monitoring. It was not my fault it was Equifaxes. They should automatically monitor the accounts affected without the consumers doing anything to get it done.
on XX/XX/2018 I got an email telling me that CAPIO PARTNERS LLC. had reported the I had a bill with them. I have never entered into any contract with this company. they have never called me or sent me anything in the mail about this account. they can not give me a copy of any contract that I have signed with them. they refuse to provide information necessary for me to even confirm the debt. yet they try to demand money from me without a signed binding contract between parties. I have also filed an complaint with the BBB complaint # XXXX CAPIO PARTNERS LLC. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX
I sent XXXX XXXX a certified letter disputing an account on my credit report XXXX which they signed for XX/XX/XXXX at XXXX XXXX  They responded with an itemized bill dated XX/XX/XXXX but no evidence bearing my signature. Therefore I sent them a second letter XX/XX/XXXX which they signed for XX/XX/XXXX at XXXX XXXX. requesting they provide me a description of the procedure used to determine the accuracy and completeness of the information. They have not responded as of XX/XX/XXXX making it 22 days after receiving my second letter. I have made two goodwill attempts to resolve an issue concerning an inaccurate account on my credit report placed there by XXXX XXXX. I have disputed item requesting validation or a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide me with a legally binding contractual obligation to pay them the alleged amount of {$930.00} per the bill sent to me. My credit reports from all three credit bureaus show an amount of {$930.00} on a closed account listed under XXXX XXXX. I emailed the XXXX CEO XXXX XXXX his companies failure to provide me information and failure to mark disputed on my credit report. He agreed to look into the matter only to send me another bill of items listed. Failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will eventually result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) In addition to not providing me with evidence bearing my signature they did not furnish the credit bureaus with the required disclosure, within the period required by law. XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX at XXXX XXXX. It has been over 60 days and still not dispute. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). Responsibilities of furnishers of information to consumer reporting agency. ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Name is incorrect in the credit file.other information is correct except defaults. 

Its almost a month, I am following up with equifax, but no results. My home loan is not approved and my settlement date is very never.It would be huge financial loss to me.please help me out.
I received this letter from XXXX/Transworld System continuously, and they claimed that I owned them a XXXX USD debt + XXXX collection fee. 

It might be a part of a duty generated in XX/XX/XXXX, but I did n't import any goods from outside USA. A guy from IL ask me to pay a bill for him because he do n't have a credit card. 
These goods were transported to his place directly, and I did n't know he was importing thing from the XXXX. Now I ca n't contact with him, and I do n't have money to pay the debt ( I 'm already in bankrupt and I do n't have any income ). 

The invoice num of these debt : XXXX The add of the guy who should own these debt XXXX, IL XXXX The phone number of him : XXXX
Recovery Management Solutions call me daily from various numbers and area codes. I 've asked them to stop calling and mail me verification of the debt. They refuse to mail me verification. They call daily harassing me and using abusive language.
Portfolio Recovery has been calling my work several times a week since I cleared my credit report of false reports and debts with a company called XXXX XXXX XXXX. They sent a notice stating that I owed them- Portfolio Recovery- a sum of over {$17000.00}. This is false. The agent that I spoke to said that this is an old credit card debt that has passed the statute of limitations and can not be sued for. The agent would not listen to me stating that I do not owe them this money, the debt is not mine, to stop calling me and cease all communications. He continued to interrogate me with personal and financial questions, I refused to continue answering him beyond my name, address and birthdate. He kept trying to prevent me from speaking, talked over me and I demanded mail me proof that it was my debt and that I did owe his company so that I may give it to my attorney because I do not. I get approximately 2-3 calls a day at work and the mail is also delivered to my office.
I recently had some negative information reported on my XXXX, Equifax and XXXX reports. XXXX XXXX # XXXX This info is inaccurate and I need to see who furnished this information because it has to be from some third party. It is not right please delete this and the inaccurate bankruptcy. 

XXXX XXXX File Number : XXXX XXXX Report Number XXXX Equifax SS XXXX I am no longer associated with these addresses they need to be deleted I am a military wife and I have have issue with my personal information being compromised please deleted/remove the addresses and phones. 
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, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These number do not belong to me!! 
( 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 I have attached proof of my address in this complaint.
XXXX : Wells Fargo Bank in XXXX florida I do n't know if this was a bank involved with employees opening accounts and using clients money. But my elderly mother complained that she had {$20000.00} missing from her account and does n't know where it went. We tried to help her but she is adamant about our minding our own business, that she can take care of it herself. After reading the blog on WFB I was wondering if that is what may possibly have happened to her account.
In XX/XX/XXXX my ex husband abandoned our family and the debt acquired together. Since then I have tried to assume the HELOC in my name, unfortunately, to no avail. In the process I have requested a copy of the loan, again, to no avail. In addition, I found out that Bank of America changed my address, without permission or reason, and all of my personal and confidential information was being sent to an unknown person/address. I contacted them for years to rectify this and they refused. I did everything asked of me including sending a letter stating that never was my address and provided the correct address, which by the way is the address on the loan. With that said, I continued to make my payments through my online account, which I set up to avoid lack of payments. In the Fall of XX/XX/XXXX, Bank of America blocked my payments from the site. When I called to inquire, they stated that the payments have increased yet, still refused my payments or to send me a copy of my loan. I contacted the NYS Banking Dept who referred me to you. At this time I have been in constant contact with multiple representatives who have refused to either return my calls or help resolve this issue. They have also refused to provide information on why they sent my protected, confidential information illegally to a random address. Some of the mailings had requests that had an expectation of an answer from me and of course could not happen since I was unaware of the mailings because they were sent to an unknown person. Lastly, I recently spoke with a representative from Bank of America, XXXX XXXX, who refused to settle the loan and told me that I must file a loan modification. I am not looking to modify the loan, I am looking to be free of this loan with this bank who has taken no accountability for the trouble it has caused me. They sent my confidential information to an unknown person, they refused my payments and then put me in foreclosure, and now they are refusing to settle the loan so I can pay them off. I am begging for help. Thank you.