WillisBack/dataset-financial-user-claim huggingface dataset:
My file is being dual tracked. I was in an active review with the lender and they set a foreclosure sale while I am in review. 

On XX/XX/XXXX my HUD approved Housing Counselor confirmed that I was approved for a forbearance agreement through the end of XX/XX/XXXX.  On XX/XX/XXXX my HUD approved Counselor faxed over a request for continuing the forbearance including the following : 1. FHA form 710 2.  4506-T 3. Hardship letter 4. Information about latest status of medical hardship & upcoming XXXX 5. My food support Award Letter 6. Transaction history for my food support and general assistance showing proof money is received on EBT card.
7. Lease agreement 8. Rental receipts signed by me and my renter 9. Explanation that rent is paid in cash 10. XXXX signed Federal Tax returns 11. Letter of explanation regarding me having no bank account and therefore no bank statements. 
12. Authorization for my HUD approved counselor to speak with my lender On XX/XX/XXXX my HUD counselor called Pacific Union and spoke with XXXX who said that she sees that they have received everything they need to review my request for continuing the forbearance agreement and that we should callback every 2 weeks to see where things are at. 

On XXXX/XXXX/XXXX my HUD counselor called Pacific Union and  spoke with XXXX who said there were no updates, nothing needed. He then said that the file was still being reviewed for completeness. My counselor asked why we were told it was considered complete and it was with underwriter. XXXX said he did n't know and suggested we call back the next week. 

On XXXX/XXXX/XXXX my HUD counselor called Pacific Union to see where things were at. She spoke with XXXX again, who then had a list of documents including documents that we had already sent. My counselor called me and made me aware of documents and due to my recent XXXX, it took me until XX/XX/XXXX to gather and return the documents. 

On XX/XX/XXXX I was served a foreclosure notice. My request for assistance was not denied and my request was in on XX/XX/XXXX and confirmed on XX/XX/XXXX, so we are confused as to why there was a sheriff 's sale set and how this is not considered dual tracking?
1.capital one settled but said they waived more than amount that was they said {$3200.00} but {$270.00} was waived account account was closed in XX/XX/XXXXan still have a balance saying over 1500 days past due paid the XXXX on XX/XX/XXXX an reporting negatively on my account
On XX/XX/2017, a 30 delinquency was reported on my credit report, i called the credit card to inform that no purchase was made so no balance due, no payment to be made, The informed me that a monthly charge was hitting my account, even without my knolodge,. I calmly asked them to remove the negative information and they agreed and from that point on i was pleased with their customer services, fast foward the delinquency still showing on my account and i am hopeless at this point.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
After XXXX, I could not find a ( XXXX XXXX job outside XXXX. I could not afford the loan payments ( $ XXXX. ), so I began underpaying each month. I was in contact with XXXX XXXX, but they would not work with me to lower my payments. Then, after a job change, I became unable to make payments, which put me into default ( staying in contact with XXXX XXXX, asking for help ). XXXX XXXX then sold/transferred my loan to National Enterprise Solutions ( NES ). It was n't until much later, after a long time of non-payment and after speaking with my father, they finally worked out a deal with me. I will be attaching this contract. A stipulation in my payment agreement was that funds were to be automatically taken out of my account every month @ $ XXXX. In 2013, this stopped happening and no more payments were coming out of my bank account. Next, I learn that this new company was refusing to recognize my former agreement, and denied me a continuation of said payments, saying that it " makes no sense ''. The man with whom I spoke was patronizing and rude, so I ended the conversation and have not answered phone calls. I consulted with a financial expert and was told that they were legally obligated to honor the previous contract. But they are not continuing, and they insist I owe much more per month to them ; and are now wanting to ( garnish my wages ). I believe I am due my contracted agreement.
I Made a purchase with my citi bank expedia card. I made the Purchase on XX/XX/XXXX and was suppose to recive my order within a week. I did not receive my order or tracking and when I try to visit the website I ordered from I cant find it anymore. they never sent me an email confirmation of my order, receipt or tracking. it has now been over a month. Citi just resolved in favor of the merchant and still I cant be provided with a tracking number for my order or has the merchant tried to reach me. 

amount {$1000.00} citi case id Case ID : XXXX
This Toyota Motor Credit account XXXX is paid-in-full. It is closed. However, XXXX CRA continues to incorrectly report the account as " Open ''.
XXXX XXXX XXXX is harassing me for a debt I dont owe. The credit bureau know my address and the address that XXXX XXXX XXXX and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately.  They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit report.
On XXXX XXXX, 2017 I made a payment to Navient for XXXX. I received a payment notification that all was fine, and that my first payment was successful. I then receive a letter 4 days ago saying that my payment was overdue. I just checked my account and they reversed my payment without notifying me, when there were ample funds to cover the payment. Worst of all, this was reported to the credit bureau and it absolutely tanked my credit.
I have on my credit report on all 3 CFA 's a collection amount of {$7600.00} from XXXX XXXX. They claim they are collecting from a debt they purchased from XXXX XXXX, the debt from what I understand originated XX/XX/XXXX with XXXX and Midland took it over XX/XX/XXXX. I have never had business with XXXX and they do not show on any of my credit reports from the 3 CFA 's. I have disputed this claim since XX/XX/XXXX. My dispute was based on one : I have never had business with XXXX and secondly from doing some digging it appears this account was opened in XXXX XXXX at an address of XXXX XXXX XXXX XXXX. XXXX XXXX which I have also disputed with the 3 CFA 's because I have been living at my current address in Maryland since XX/XX/XXXX. It appears Midland continues to ignore my disputes and I have never received any documentation with signatures or anything regarding this debt.
I try applying for credit and they told me my score does n't show and I been getting deny. So how can I build up my credit if n o one g ive me a opportunity. Where to star. And the  XXXX  credit bureaus got to update my score
I have hard inquiries on my credit report that I have NO knowledge of dating back to XX/XX/2017! I haven't applied for any credit cards for the past two years! I didn't give anyone authorization to use my information to apply for ANYTHING!!
I tried to arrange payment and they would not accept them I had to pay I think almost {$500.00} which I did not have at the time and I was not able to fulfill that commitment and then last year they took my state tax which the amount did not go down at all so what do I need to do to settle this?
i have not been contacted at ALL regarding this debt and not given an opportunity to correct or pay this debt. I have not received 1 letter regarding this debt. I would like the opportunity to start paying it and getting it off of my credit report. I would like to be contacted by mail. I am still a XXXX and do n't want this debt to be on my credit report.
In XX/XX/2017 my XXXX XXXX XXXX had GM Financial as an autopay account in the amount of {$400.00}. XXXX XXXX issued the check and removed the funds out of my account. This had been established and working for months prior and after. Apparently GM financial claims to not have received the check. GM Financial did not inform me they didn't receive the check until 60 days later. I provided them with my bank statements and autopay history to show them the check was sent and the funds were removed from my account. When they could not find the check I stopped payment and reissued a check which was received. They are continuing to report that I was delinquent on my account for the months of XXXX and XXXX when I did issue the check and have it mailed to them at the correct address. I never missed a payment or was late on any payments before and I am upset they did not inform me before the account was 60 days delinquent. I believe they lost the check and I am being reported negatively on my credit score for it when I have always paid my lease on time.
During XXXX - XXXX, I have been a continuous VICTIM OF IDENTY THEFT to date TransUnion is shows FRUDULENT INQUIRIES on my crefit report even after removing the actual accounts. 
1 ) XXXX XXXX 2 ) XXXX 2 different inquires 3 ) XXXX XXXX 2 different inquiries 4 ) XXXX 5 ) XXXX 6 ) XXXX 7 ) XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX 11 XXXX XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX. 3 different inquiries
GLA continues to call me and state I owe on  XXXX  accounts. I listened to them and explained I had insurance for the dates of service. I contacted my insurance carrier and was tol d GLA nor    XXXX    XXXX   XXXX  Hospital never billed them and that was all that needed to be done to get them paid. I called  GLA  and   XXXX    XXXX   XXXX   Hospital  back and gave them all information to bill the insurance companies. I asked if they could remove these collections from my credit reports since I didnt owe. They stated yes. Not only have they not removed them they have sent them to all  XXXX  as an updated account.
We have requested that Wells Fargo provide a lien release for a deed that has never be used and has a XXXX balance. Wells has closed the account because the account holder has died, and the Estate is trying to sell the property by Friday XXXX/XXXX/16. We have tried in vain to get Wells to provide the lien release document XX/XX/XXXX, we really need this document by XXXX/XXXX/16, we have extended the closing several times, and we are now facing the loss of this sale without that document. 
Please help with securing this lien release document from Wells, we are at our wits end and beyond XXXX!!
Submitted Borrowwer Assistance Package XX/XX/XXXX Rushmore requested more info XX/XX/XXXX Send amended pages as requested XX/XX/XXXX XX/XX/XXXX submitted additional documents as requested XX/XX/XXXX received letter from Rushmore stating my home retention package is complete. Rushmore stated they will send a written determination for foreclosure prevention. 
XX/XX/XXXX received letter of intent to foreclose. 
Spoke to Rushmore representative XXXX XXXX who assured me that the letter of intent is just a formality and as long as my loan is with underwriting they will not foreclose. 
XX/XX/XXXX received request from Rushmore for updated property insurance naming Rushmore XX/XX/XXXX sent insurance via email, fax and fedex XX/XX/XXXX XXXX XXXX started he was in receipt of insurance XXXX page and my file was with underwriting and it should be no longer than another week for an answer. 
Rushmore LM had 30 days as per CFPB Reg X SS 1024.41 to respond to me with an answer about a foreclosure prevention alternative. 30 days was on XX/XX/XXXX. I have yet to receive a response.
I am using discover credit from past seven months. First couple of months it was all good, however thereafter I started facing some or the other issues like unauthorized debits, deducting the same amount twice etc. XX/XX/2016 I really had a horrible experience with them. I activated an auto pay option that on XXXX of every month the amount should get deducted from my checking account. XX/XX/2016, instead of XX/XX/XXXX they deducted it on XXXX XXXX 2016 because of which it got returned as funds were not sufficient. When I called the customer care they confirmed that it was purely technical error and they will represent it as per auto pay date. Surprisingly they represented it again on XXXX XXXX however I had funds so the transaction was completed. 

Now comes the bigger shock for me, as they deducted USD XXXX without informing me from account on XXXX XXXX 2016. When I called the customer care, they tell me that they had sent a cheque of the same amount to me. I did not receive any cheque till date. I never understood as to why a cheque is sent when I have n't asked for it. I had to ask them to reverse it as I was managing my credit score well and this heavy outstanding will hit it badly. They out rightly said they will not do it. I had to speak to one of the supervisor about this and she said she will raise a case but it may take 3 to 5 days. When I tried to confirm the date, she says it may happen and so please keep checking your account and inform us.. So by end of the month my statement will show higher outstanding for the amount that I have not used, impacting on my credit score. Above all creating mental torture for me and increasing my XXXX XXXX. 
The service is pathetic and every month they debit more for the reasons best known to them. DISCOVER CREDIT CARD service is worst and they are good for cheating people. Never ever go for this card as they debit without informing and if you miss the transaction, your money is gone. I faced such cases in a very short span of time. I can share more like this.
The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX / 17  and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of regulati on X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
I was contacted by Transworld Systems Inc. about a default student loan debt they are attempting to collect on for XXXX XXXX XXXX. My original loan amount was for {$11000.00} and they are claiming I have a balance of {$17000.00}. I asked what I need to do to dispute this debt amount and they would not share that information. I also asked the representative the date this debt went into default and the time-barr status, he refused multiple times to give me this information. After the representative asked how I intended to take care of this balance I informed him that I would not be making any activity on this account until they verified this debt by sending me the appropriate documents through the mail. I provided him with my address where they can send me the documents and 18 days have passed, I have received nothing. He also asked me what my annual income was and wanted the address of my employer, I told him I was not comfortable sharing this information. I received another collection call a few days later with the same routine and I reminded them that they are required to mail me verification of the debt within 5 days. I told the representative that I did not want to receive any more calls until they mail me verification of the debt. They have called 2 more times since then, but I declined to answer the phone. They have ignored my requests for documents and refused to share information on the account with me multiple times. I can not do business with or make payments with a collection agency who conducts themselves this way.
My ex boyfriend and I had an apartment together. His pay check paid the rent I paid the electric and groceries. He up and left me with the apartment. I gave the landlord a written 30 day notice. The only communication that I received from her was that she used my security deposit to clean the bathroom, wipe cabinets etc. I am now learning about four years later that she has put over {$8000.00} in back rent on my credit. I have spoken to an attorney who told me that she would have had to seek a judgment which she did not because I checked the courts and nothing exists. I was never served anything from the courts either.
XXXX forged checks were written against my checking account. The checks were obvious forgeries ( easily spotted ) but were cashed at local branches of the same bank ( Huntington National Bank ) that held my account. The person who committed offense is a known person with a lengthy criminal background. The complaint was filed with my bank and a police report filed. The police detective ( who I have been in contact with ) has had no response from Huntington Bank. Information from Huntington Bank is needed to issue warrant and arrest the perpetrator of crime. I have been told by the police detective that it is very unusual that a bank will not cooperative in pursuing an arrest and conviction in a check fraud case. I was assured by Huntington Bank early on that they would pursue charges and I would be refunded the lost funds. Instead Huntington Bank ( to the best of my knowledge ) has done nothing to assist in investigating and apprehending suspect. Instead they are blaming me for the incident for not having better control of checkbook. As a ~40 year customer of this bank with multiple business and personal accounts over the years, I am very dissatisfied with the lack of integrity and negligence of Huntington National Bank .
I am in Chapter XXXX and trying to modify loan with Wells Fargo, I am getting stonewalled, passed from XXXX point of contact to another, told the procees must begin again and again, and asked for obscure documents to file the modification.
I applied for a loan modification about XXXX4 months ago and after going back and forth with the loan servicer penny mac i received a trial loan mod in the mail, so after reviewing it i asked penny mac to explain the calculations in determining the rate and payments on the loan modifications, but i decided to ask a third party loan modification auditor to review the information and they discovered some mis calculation on the file and there recommendation was for me to appeal the trial loan mod, so i contacted penny mac and rejected there offer and about 2 weeks later i received a sale date on my front door, which is out of compliance with the XXXX guided lines it clearly states that have the right not to accept the servicer loan mod offer or i can appeal it, loan servicer can not just expect me to take what there offering or leave it, if its not an affordable loan payment
I applied a BOA VISA XXXX card on XX/XX/2016. While I open this card, they promised {$100.00} bonus if I spent {$500.00} within 90 days. The results : I did spent about {$1100.00} in 90 days. They still deny my bonus for {$100.00}. More, I should have cash reward for about {$13.00}. They said : " We can not give you this amount, the minimum is {$25.00}. '' I think they are cheating customers.
BB & T was unable to close at the date/time committed to in writing, which resulted in financial harm to me. More specificially, 1 ) BB & T 's loan officer committed to me in writing that I would receive a check for {$1500.00} as a refund of appraisal costs. The relevant portion of his email to me reads : " The refund for your appraisal costs has also been approved by regional management. The refund for the appraisal will be sent out in the form of a check via overnight mail once your loan has closed. '' After my loan closed, BB & T has refused to reimburse this cost, as promised. 

2 ) BB & T committed ( again, in writing ) to reimburse me for additional monetary damages I suffered as a result of their delay. I provided detailed written documentation of these damages, amounting to {$2000.00}. However, BB & T has ignored my communications, providing nothing in response. Therefore, BB & T owes me a total of {$3500.00} that they have committed in writing to paying, all of which has been clearly documented. Instead, they are ignoring my communications and refusing to pay.
Equifax continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information can not be validated. According to the FCRA, this item should be removed immediately.
This is NOT a duplicate complaint!!! Any other complaint was submitted without XXXX knowledge. This is in regards to my adult son who is XXXX XXXX. He was taken advantage of by an online company that racked up several thousand dollars in charges. As his guardian, I need to let Huntington National Bank know what has happened. As I said, my son is XXXX XXXX. He is on social security XXXX. He doesnt have the XXXX XXXX to know what he is doing. He was duped by a company called XXXX. They duped him into making debit card charges directly to them and through XXXX. I didnt even know he had a XXXX account until going over his bank records. These charges are on his bank statement as XXXX XXXX and XXXX . It looks like some of these have been refunded but others have not. The ones that werent refunded are ... XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$530.00}, {$1000.00}, {$1000.00}, {$1000.00}, {$540.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$750.00}, {$1000.00}, {$860.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$1500.00}, {$1000.00}, {$1000.00}, {$1000.00} XX/XX/XXXX {$300.00}, {$500.00} These funds were supposed to pay for his in-home care. Im an old man and cant take care of him like I used to.
We have money in Escrow to pay our property taxes which were due at the end of XX/XX/XXXX. Today is XX/XX/XXXX, and they still have not been paid and have already accrued two months of late fees.

Our lender did not ever contact us to know that the bill was due and had never been paid. We did not know until we were contacted by our builder that our taxes had not been paid. We have called and sent letters to our lender from our builder, but nothing has been done.
This company is now under the name of XXXX. I spoke with a representative a few weeks ago and she was kind enough to help me with my account and extremely pleasant. Unfortunately I had to call the company again because my account number for payments to be withdrawn was not changed. I called and all of a sudden they are unable to transfer me to specific extensions and they are unable to move payments something that was JUST done for me. Mind you I spend an hour of my time going through this ridiculous customer service merry-go-round that go me nowhere. Every time I requested a manager, I was told that they don't have managers, they have supervisors ... same thing! And I haven't had my issue resolved, which is going to result in me defaulting on my payments and affect my credit when it was this company 's error that this happened in the first place! They have changed their customer service and are outsourcing and I am not protected as a consumer. I am being asked more personal information every time I call and I feel deceived and leery of every doing business with them again.
Covington Credit in XXXX, Tx. has called me on a constant basis everyday to collect on a loan payment. Given my struggle to repay this debt, the manager told me that she can not take " partial payments '' because she has to report this to her corporate office. This company has even made personal visits to my house attempting to collect and leaving letters with my children to give to me.