WillisBack/dataset-financial-user-claim huggingface dataset:
There are XXXX issues. 

# 1 The accounts are listed as closed when they are not. 
# 2 My responsibility on the XXXX other credit cards were as a joint credit card account holders, not an authorized user. Both accounts I am co-account holder, not an authorized user. My social security and credit is on both accounts as responsible for payment. 

This includes XXXX cards, in the name of XXXX XXXX ( ss # XXXX ) and XXXX XXXX ( ss # XXXX ), billing address XXXX XXXX XXXX, XXXX NY XXXX, Tel Numbers XXXX/ XXXX The credit card account opened XX/XX/XXXX with Bank of America XXXX. 
The credit card account opened XX/XX/XXXX with Bank of America XXXX. 

What does n't make sense is that when we call all the information is correct and the accounts are still listed as open and joint. So we asked why it was n't being reported correctly ( the credit bureaus claimed it was Bank of America reporting and we had to talk to them ). No one knew who we should speak to or what to do. We asked to file a complaint. 

We were finally transferred, with both of us on the telephone, and reached an escalation / debt collections person at Bank of America to ask for the information to be reported correctly, with both of us on the telephone that we reached a lady named XXXX who seemed to be confused and was very belligerent. She was under the wrong impression that we had debt or was late on payments, when we have XXXX debt and have never been late. We have the recording of her yelling and not listening as we both tried to calmly explain, or be put in touch with someone who was in the correct department. 

This lady XXXX from Bank of America stated everything was on our applications, that the Bank does not report anything in error. We stated that this was not true, because she was contradicting what the customer service representative said, and requested a copy of the applications. The lady, XXXX, replied that we could not have a copy of our consumer agreements which we have a right to have a copy of.
I opened an acct. I used only once. For about XXXX aromd there. I made monthly payment. I agree missing payment.. but I payed before XX/XX/2016. A lot enough to cover the total amount, in XX/XX/2016 XX/XX/2016. XXXX. Then I got a balance for XXXX in dic. XX/XX/2016. In XXXX I call to pay off. The XXXX. They said. The balance is XXXX. And that minimum payment was XXXX. I asked for a supervisor. I was agitated by what they said. The supervisor agreed to take XXXX to satisfy the total balance, now I got a bill for XXXX. Also the acct was clo by them. Long ago
In XX/XX/XXXX I registered for a credit card from Home Depot, XXXX XXXX XXXX, XXXX XXXX, TX XXXX with purchases totaling {$5.00} to be paid when the credit card was received. When the credit arrived in XX/XX/XXXX. I made the {$5.00} payment by phone. They would only accept my Credit Union check ID #. No receipt, or confirmation # sent to me. I called to inquire about a receipt in XX/XX/XXXX and was told that I had a late payment of {$7.00} & that my check was not cashed because I left off XXXX XXXX in front my ID #. I was not notified because they claimed not to have my contact info. They did have my address. I gave them my ID # again with the XXXX XXXX. Meanwhile my Excellent credit report was affected & reduced, I called again in XX/XX/XXXXasking for a confirmation and was told that I now have a {$9.00} late fee because my bank would n't honor my check ID #. They never contacted me or my bank. I cancelled the Home Depot credit card. Today XX/XX/XXXX I received a letter, even though they said they had no contact info. for me, saying that I now owe a {$11.00} late fee. This time they asked for my debit card # which I did n't trust them to give. I went to Home Depot to pay cash and was told by customer service that " Citi Bank '' would have continued to increase late fees if I had n't come in to pay in cash. I received a receipt from the XXXX. store and had to call XXXX on the phone for a confirmation # and asked them not to bother me again. But tonight I went to the Home Depot web site and saw that they still say that I owe {$11.00}.
I started a payday loan with PLS Cash Loan Store XXXX, Texas on XXXX. PLS later changed the terms on me and stopped doing loans in the State of Texas.Pls forced me to make payments to their internal Collection Department. I have been told by the manager if you set a payment plan and make payments then we will return your personal check, which is kept as a collateral. I have made several payments ; but this company would not keep their words and changed agreements on me. They are XXXX mailing me by holding my Higher Amount check that was written for the total amount of loan taken out. PLS Store in XXXX, Texas will not void my check and they refused to return my personal check which has wrong higher amount than what I owe them. PLS Store district manager XXXX XXXX lied and PLS sold my account to Third Party Collection agency. I had never skipped a payment while I started this account. They have changed the terms and shut down everything started to demand money upfront. so after several payments I Stopped payment to make sure my Check with be returned to me and not cashed in with that high amount written on it which I do n't owe them at all. CHECK NUMBER XXXX XXXX bank Texas written for XXXX. After making several payments they still wont return my check. This is a consumer Fraud period.
My husband and I originated a mortgage with XXXX in XXXX 2016 that was subsequently sold to Dovenmuehle Mortage Company. The original loan was a no escrow loan. Dovenmuehle has been issuing statements that add an escrow of additional flood insurance ( We have already purchased a one year policy with XXXX ) as well an escrow of taxes. I understand that Federal regulations have changed and I may be required to escrow the flood insurance, but we do not believe they have the right to collect my taxes on our behalf if we have opted to pay them them directly on our own ( see Closing Document ). The mortgage documents we signed were for a non-escrow loan. I have made several attempts to contact them and have reached several people including supervisors, who say they must pass the information on to a manager in the escrow department and they will call me back. I have never received a call back and am now receiving collection letters. We have been making regular payments for the original amounts due on the loan. We have not been paying the amount they say is due for the escrow, since we have already paid the taxes and purchased the insurance on our own. We would like the amount on the statements to show what we are actually legally required to remit to them and to stop receiving notices saying that we are in debt.
My Experian credit report has an entry for a bankruptcy. I have contacted Experian by mail with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in reference to this erroneous listing. On each occasion they had responded to information verified as accurate. I have also requested the procedure they used to verify the information and I have not received it. Experian has clearly violated the FCRA and they continue to report the unverified information.
I am at a stalemate with my mortgage service regarding insurance money that should be paid out to me. The Loss Claims Department at Dovenmuehle is demanding over and over again that I get additional information from my insurance company that my insurance company will not provide. I currently have sent and additional {$10000.00} ( XXXX checks for just over $ XXXX each ) for endorsement and deposit into my checking account. These checks were for work that has already been completed by a liscensed contractor and the work permit has been inspected and closed by XXXX XXXX XXXX Florida. I have paid the $ XXXX out of my pocket for the completed work already, I have asked for release of the funds and I just continue to go back and forth with the same information.
disputed with Equifax twice about a debt that was previously deleted from my report but reinserted without notice. They will not remove and I disputed with the collection agency 4 times with certified recipets that they have gotten my request. XXXX XXXX XXXX Collection agency has not responded to any of my validation request.
I inquired about an alleged judgment or lawsuit filed by American Express back in XXXX. Rather than clearing-up the problem, American Express sent a response on XXXX XXXX, XXXX which XXXX then interpreted as a NEW judgment or lawsuit, which IS NOT ACCURATE, and it has gone onto my XXXX report and damaged my credit. I NEED TIS FIXED ASAP AND CONFIRMED AS FIXED TO ME.
I am filing a complaint on Bank of America cause I have had an ongoing dispute on some fraud charges done to my corporate card for XXXX XXXX XXXX. They have denied my fraud claim on grounds that are not valid. They have requested me to explain to them details of the claim that I have no recollection on because of the length of the charges I have explained to them on several occasions that I do not recall and they continue to insist on my giving them dates that I do not recall events on. After going through responses on the paperwork they have sent in response to several complaints filed I have filed a police report with the XXXX XXXX sherrif. I did request a card and activated the card before changing my number XXXX to XXXX and the charges started days later on the account. They claim I made phone calls verifying charges XX/XX/XXXX and XX/XX/XXXX but that was not me. They claim that my Drivers license was provided and I did not have any type of communication with them during those dates. I am providing them with a copy of the police report and requesting my right with the fair and accurate credit transactions act to reconsider my claim. They have removed monies from my checking accounts with them to pay for charges that are fraudulent and this is not something that I will be letting go even if it needs to go in front of a judge in civil court.
XXXX ( dba XXXX ) gave my personal phone number without first trying to contact me or our business. When I heard from the first debt collector, I emailed her and XXXX documentation that I had paid the final bill. I never heard anything back from either of them. About 2 months later, I started getting calls from XXXX XXXX, XXXX XXXX, and several other people at Leviton Law Firm demanding immediate payment and asking for checking account information. 

I asked them for details, and they would say things like " you know what you owe '' or would just not provide anything. It did n't sound like they had much information other than my name, personal phone number, and an amount they had been told that I owe. 

I asked them for an email address or office location so that I could forward them the documentation ; they said they could not provide that. They also said " you would n't be able to do that because it does not exist ; you know you have n't paid it. '' To date, I 've received over 20 calls from them, many of them before and after work hours. I asked if I could record the call at one point and they instantly hung up. I still have not been given any opportunity to show documentation that we have paid this ( which I have readily available ). 

Furthermore, XXXX ( dba XXXX ) has also not emailed or called back.
XX/XX/XXXX I filed an complaint about XXXX XXXX about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sent out 11 letters attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the tracking on XX/XX/XXXX thinking I should have received some type of information in the mail after 10 days. Turns out the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the 2 false addresses that I never lived at. I 'm not sure what address and phone number XXXX XXXX has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with the FTC.
I was a victim of identity theft, This Company Keep reporting information not mine to all credit bureaus ....
When I purchased my condo in XX/XX/2007, Wells Fargo was the preferred lender the builder was using. I have attempted to refinance my loan and I keep getting told that Wells Fargo is unable to refinance my loan because various reasons. For example, XXXX not meeting certain reserves or guidelines, community lost it 's FHA ability. After speaking with other folks in the community who also financed with Wells Fargo, they were being told the same thing. However people are able to sell their property and other owners were able to refinance using other financial institutions. I believe Wells Fargo is being deceptive, discrimination. When I initially applied for the loan I was told take an ARM would be a better option for me because of the lower rate and my plans to sell within 5 years of purchase. When the housing market crashed I attempted to refinance and XXXX became available I was told I was not qualified to utilize the XXXX program. When the required changed for the XXXX ( Value. being under water, LTV ) I still was told I was not eligible
Our loan was sold to everhome. Fines for online or phone payments added to " fees '' instead of debit from Bank account. Snowballed amount. Payments would be sent a month early but somehow would n't post until after the grace period, late charge. Note went up. Sold to Greentree, had fines attached, note went up more. Now sold to ditech, note {$400.00} more than original fixed rate loan, had thousands of fees. Was told not to make payment for XX/XX/XXXX and XX/XX/XXXX to qualify for trial loan modification. Made the 3 trial payments, was told papers had to be in XXXX XXXX, on XXXX XXXX I received the package, with someone else 's modification paperwork. Called, spoke to XXXX people, no answers, emailed account manager, no answer, typed letter and enclosed with wrong paperwork requesting my paperwork. A month later, all I 've received is a visit because I 'm " in default '' and multiple calls where I ca n't get answers. Please help! It 's a va loan, the modification payment is our original payment, it 's doable. If we could just get the correct paperwork!
In 2005 we were rushed through a mtg refinance and were never made aware of adj rate mtg. In the last 3 yrs denied refiance with Bank of America as we were under water on the loan and not Freddie or fannie backed so do not qualify for gov ref programs. BOA lost lawsuit, atty general said set aside $ ( in XXXX ) & help cust with unfavorable mtgs. They have refused and set me up for mod which we denied due to pymt were XXXX from original amt that we were struggling with, so XXXX pymts are impossible. BOA refuses to give us better pymts & lower int rate. Per US Legal BOA is violating court order. We want to retain home. not interested in short sale or deed in lieu, which was explained to BOA. BOA does not respond to e-mails they hav to send via portal which does not work on computer & their rep said it does not work on all comp, yet refuses to send because not secured. Have to answer ton of question to verify identy before they will talk to you very frustrating, they only need XXXX piece of info for validate. They are not lowering pyments or interest and CEO does not call or answer mail send directly to him. WE have defaulted on credit card payments to try to make mtg pymnts. Offer of mod in XX/XX/XXXX/XX/XX/XXXX was denied & BOA has not restored payment to original amt, we denied with several representatives & told denial will return pymts to original amt never happened. BOA has done XXXX drive by appraisals & all different values XXXX done by same person. Home is worth more than appraisals & appraisals are not correctXXXX is more than appraisals. Our loan is not Freddie or Fannie backed so do not qualify for gov mtg programs. Per US Legal BOA sets customers up for failure so they can foreclose.
As a former employee of Citizens Bank for nine years, I am well aware of overdraft issues that consumers have as well as the lawsuits taken against the bank. I am in the midst of closing all XXXX of my accounts with the bank due to the amount of asinine fees charged. I removed all of my funds from my circle gold checking account and transferred to another bank institution. I left a remainder of a few dollars in the account until closure to avoid any overdraft fees. A check was just cashed ( three weeks later ) from my son 's doctors office which in turn made the account negative {$25.00} dollars, our fault. The same day I was charged the {$35.00} overdraft fee so immediately ( same day ) I went to the bank and deposited {$60.00} in the account to cover the issue. Today I checked again to ensure that everything cleared and I noticed three additional charges which include a {$20.00} service charge, a {$30.00} service charge and yet another {$35.00} overdraft fee which now makes my account negative {$85.00} dollars. I should not have been charged yet another {$35.00} overdraft because they continue to take out " service fees ''. My husband called to complain and close the account immediately and they stated that it could not be closed until the account is positive and additional overdraft fees will continue each day that it is negative. The employee was also not able to explain what the {$30.00} service fee was for and insisted that it was an additional overdraft fee, which it was not. I made the account positive yesterday, additional fees should never have been posted in such a manner. I have XXXX young boys that I need to feed and the bank is taking the money I need for them to pay fees that should not have occurred in the first place. I think it is absolutely unacceptable to charge fees in this manner.
XXXX XXXX, my mortgage loan changed from an " interest only '' payment of approximately {$1400.00}, ( XXXX XXXX XXXX dollars ) to an amortized  payment of {$1700.00} ( XXXX XXXX, XXXX XXXX XXXX dollars and XXXX cents ). I was  approached over the phone in regards to refinancing or loan modification to help lower the monthly payment. I started the process in XXXX and began submitting documents via fax and downloading online. After several weeks, I began calling to check on the status. Each time I have called, I have spoken to a different person. Each time, I have been told to submit another document or to make a change and resubmit an existing document. I have voiced my concerns and frustrations every time I call. I just recently called again ( XXXX ) to check on the status. Again, I was told to add a date to a document and resubmit. I was also told that the bank statements that I initially submitted were now out of date and I would have to submit more current statements. This process has taken extremely too long and the company is unorganized and inefficient. It has been an ongoing vicious cycle.
So this isnt a company its actually a person from the XXXX. He scammed me saying he would give me some account for money. So I paid him and never received anything. Please send me my money back. Its set as friends and family because he said to put it there, you people are my last hope to get anything back from this scammer. Please help me
I purchased a high definition television that cost {$1700.00} from Best Buy in XXXX. In an effort to build credit ( since I usually make all purchases in cash ), I opened a Best Buy Credit Card. I bought it on a promotion that gave me no interest as long as the tv was paid by XX/XX/XXXX. I made all monthly payments in excess of the minimum pmt due. Unbeknownst to me, there was a debt protection program added on that added an additional $ XXXX- {$25.00} to my bill every month which made it impossible to pay off the balance. Due to my work schedule ( XXXX ), I never looked at the bill. I always drove to Best Buy when I arrived home and paid {$100.00} on my account. It was not until after XX/XX/XXXX that I received a bill saying I owed about {$4000.00} for the tv because of deferred interest. I requested all of my bills, which Best Buy could not provide because the account was taken over By Citi from the originating creditor, XXXX, so they provided as far back as they could. It was at that time, by looking at my statements, that I discovered the debt protection program was being charged monthly. I continued to pay until this past XXXX ( XXXX ). Debt Protection has been canceled and they promised a refund of {$1400.00}. Best Buy advised us on a call they would apply the refund to the promotion and that I would get what I overpaid back. In a later call, Best Buy then advised that the monies would not be applied to the promotion but to the account balance. We requested for them to pull the call and have a manager call us back and they never did. When we called back to speak with them, they never notated it on the account. At one point, we were offered a settlement, which we refused initially to get the debt protection issue resolved. Today we called to settle to get the account closed out once and for all and we were told that no settlement was available. When we asked why, we were told there was no specific reason, only that no settlement was available. To date I have paid {$1400.00} in the debt protection program and for the last 6 months I have paid {$1000.00}. Citi was unable to provide with the total payments made since the account opened on XX/XX/XXXX. I have been advised that I need to write in to get a copy of the statements from the inception of the account, which I will request today.
I have been trying and trying to get this judgement off of my credit report with Equifax or at least mark as paid, I have the receipt and Equifax is not doing anything. This is affecting my credit and I 'm really not understanding what else needs to be done. Please see the attached documentation.
Real Time Resolutions ( RTR ) currently claims they hold the collection rights to my HELOC. They claim that the total amount due is {$88000.00}, but I disagree with that figure. They have refused to provide accounting records to prove up debt owed. The balance on the debt was {$44000.00} a few years ago, so there is no legitimate way the debt could have grown to to the alleged {$88000.00}. I have demanded the accounting ledgers via Qualified Written Request ( QWR ) and RTR has failed to respond. Per RESPA law, RTR is required to respond with clarity to any QWR per 12 US Code 2605. RTR has also claimed that corresponding interest rate is 12 %, but has failed to provide valid proof of the rate. Based on the original mortgage note we signed, the interest rate was 4.5 %. I feel cheated and deceived by RTR and I am seeking your assistance on this matter.
I have been listed as pontentially impacted by the Equifax security breach where they were hacked and private information has been leaked. I do not take kindly to my information being leaked or possibly leaked. It 's completely unprofessional to have weak security with regard to such vital information.
I am the personal representative for my fathers estate. Seterus is telling me it will take 8 days to verify that I am the responsible party before they will give me the payoff information. It will take up to 8 days after that for them to process the payoff. I need the payoff by XXXX XXXX for the real estate to close. I have been trying to get the payoff since XXXX/XXXX/2015