WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX was an account I included in my chapter XXXX bankruptcy that was discharged. On XXXX and XXXX, the trade line is reporting correctly as Included In Bankruptcy and showing a {$0.00} balance. On Equifax , it is still reporting incorrectly as a Charge Off account with a balance of {$210.00}. I submitted a dispute and received results stating that the information is correct and would not be changed even though I included my bankruptcy schedules listing XXXX as being included along with my Certificate of Notice and discharge letter from the court.
I received a letter from the original creditor ( legal action department XXXX XXXX XXXX  XXXX XXXX ) in XX/XX/2018, stating I owe {$190.00} in damage to carpets and double coating wall painting. this letter also stated that I may get threats from the collection agency hunter Warfield,  harassed and the company will not be responsible. XX/XX/XXXX I sent a letter in response to XXXX XXXX XXXX stating I do not owe balance XXXX and please provide validation and documentation of charges listed in ledger. I  never received response back from the original creditor. On XX/XX/18 I received a second letter from original creditor stating the same as 1st notice. On XX/XX/18 I sent a 2nd letter to the original creditor legal department ( address listed on 2nd notice ) requesting validation. No response. XX/XX/18 I received a letter from hunter Warfield stating I owe XXXX. XX/XX/18 I sent a letter to hunter Warfield stating I have attempted to contact original creditor x 2 via mail, no response and requesting validation and proof of false charges made against me. XX/XX/18 I received a response from hunter Warfield with an ledger of balance breakdown, black and white photos of unclear spots on carpet. XX/XX/18 in response to hunter Warfield validation response.  I requested clear photos and proof showing that this was in fact the unit I previously resided in damaged and also provide proof of other damages listed on ledger. I did not receive pictures or proof from double coated paint charges of {$180.00}. I was charged for 11 stains on carpet and only received 6 unclear photos, I was charged for a gum stain on carpet and did not receive proof. XX/XX/18 I received a 3rd notice from hunter Warfield stating again the debt was validated, now owing a sum of XXXX with {$.00} interest added. I received the same photos from previous letter, still unclear and did not show in fact this was the unit I resided in. I still did not receive any proof of damage to walls requiring double coated paint and {$180.00} in charges. I have been receiving harassing phone calls after asking not to contact me by phone and only in writing. I have also been threatened to have my account reported to credit bureaus and listed as dispute. I do not owe this debt and feel my rights have been violated with threats of false information negatively affecting my credit report, along with reporting inaccurate information.
My daughter ( XXXX XXXX ) passed on XXXX XXXX, 2017. She had a checking account at a Chase Bank where her stepfather ( XXXX XXXX XXXX ) is the manager. XXXX XXXX stated on her Death Certificte that he is the " father '' ( under the box that requests the Informant to state the realtionship with the deceased. Right after XXXX 's death, XXXX XXXX proceeded to close the account withuot notifying me, but under the mother 's blessing. I have contacted Chase, and informed them of the situation, but they said that they will not get back to me with this matter. I tried contacting XXXX XXXX and his wife, but they do not answer my calls. I know I have to go to surrogate court to obtain the information on the account. I still believe XXXX XXXX should not be alloweed to close accounts when he has personal interests in them. The fact that he stated on the Death Certificate a lie is a major red flag, and he used this to close the account scott-free. Banks are founded on trust, and this man is not trustworthy. He should not be commissioned to manage people 's money.
I filed a dispute with Equifax about my account credit balance being incorrect. On XXXX XXXX I receive the dispute resolution from Equifax showing the correct information " account paid in full {$0.00} balance '' On XXXX XXXX I receive an alert showing the my account balance has increased from {$0.00} to {$3000.00}. On XXXX XXXX I run a new report and I see that Equifax continues reporting the wrong account balance. Please help, attached is the dispute resolution from Equifax. thanks ( PAGE XXXX )
I have a serious problem with Equifax because they are not reporting any of my accounts on my report also they are not reporting my credit score. I try multiple times sending letters notarized by a notary about existing issues and they are not doing anything about it. I need these accounts to be shown and my credit score on my credit report as soon as possible, the accounts are 1. XXXX XXXX XXXX Open date is XX/XX/XXXX 2. XXXX XXXX Open date is XX/XX/XXXX 3. XXXX XXXX XXXX Open date is XX/XX/XXXX 4. XXXX XXXX XXXX Open date is XX/XX/XXXX All four accounts reports to all three credit bureaus, so please let Equifax know that they need to put these accounts on my credit report because this is a defamation of character
Not one of your cat applied. I was in XXXX in XXXX when a live check came in the mail and one of the family deposited it since I often received paychecks by mail, No one knew it was a solicitation for a loan. Once I returned from XXXX in XXXX, I found out about this loan and was XXXX. I did not approve, or even sign the check. They will not provide me a copy of the check but to keep my credit in check, I made the payments at 34 % int. Once I became medically unable to work, my fixed income became strained and I contacted XXXX XXXX in XXXX and they said tough. One lady asked the following two questions : " do you have a child 's account you can pay us with '' and " you have a wedding ring right? sell it or other jewelry ''. I was highly offended. I have hearing problems and have notified them I can not talk on the phone well and gave them my new address. They continue to call 4 to 5 times a day and I can not answer. They only use an email service XXXX calls deceptive. They reused to work with me, refused to contact me in a way I can even if no personal information is sent. According to the XXXX XXXX document, Guidelines regarding the Avoidance of Predatory and Abusive Mortgage Lending Practices in Georgia XXXX XXXX Banks, they fit the bill, using predatory leaning methods to secure high interest rate loans with those who can not afford it, have low credit or are on fixed incomes. They even have on their walls a certificate from the governs office proving they have support of the state in their lending methods. I have no choice but to let it go to court, they say I signed a document that said I agree to arbitration. I never saw any document or signed any check or paperwork and now want this loan expunged. This is not the only Leander that did this while I was out of the state, XXXX XXXX also said I had a loan and threatened legal actions. No one in my family saw this check and no one signed it but to protect my credit, I paid them over XXXX for a XXXX $ loan. Now, I throw all mail away without opening it, just tear it in too. My credit has not been destroyed and this leaning practice, illegal in XXXX states, is common in Georgia and I want to see the companies closed and this predatory leaning stopped.
Have my payroll check deposited to a rush card. Unable to access my funds using PIN number. Tried to change PIN number without success. Unable to access funds. Could still call activity number and get my balance. Could pay bills that did not require PIN number. As of today I am unable to get my balance or any information on my account. No one will answer the phone either. I have XXXX that I ca n't access to pay my bills.
I applied for the XXXX rewards credit card through an email I received, it said I will earn XXXX points after spending {$3000.00}. I did this and was only awarded XXXX points. I called customer care and they said many times I will receive on my next statement. Four statements have since passed and I haven't received my points after countless managers told me I would receive it soon. This is unfair and I would like the missing XXXX points to be awarded please.
I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a XXXX resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXX Best regards XXXX XXXX XXXX
On XX/XX/2018, I successfully sent a money transfer in the amount of {$600.00} online using MoneyGram to a family member in XXXX That family member went to an authorized MoneyGram cash pick up servicer and was advised that there was an issue and the money could not be picked up. I contacted MoneyGram and was advised by Customer Service as well as the Escalation department that " the receiver has exceeded their limit for the area ''. When I asked what that meant, I was told that " MoneyGram must abide by all regulations, local, state and government and our system is showing that the receiver has exceeded their limit for the area ''. I continued to ask the Customer Service representative what regulation are they abiding by and where could I find this information and the Customer Service representative could not provide any additional information. I asked to speak to a manager and was transferred to the Escalation Department where I was given the same information but they still could not advise what regulation they were abiding by that referenced a person receiving funds had exceeded a limit or even what the limit was. I would just like to know what regulation MoneyGram is required to enforce regarding a person receiving funds so that I can be best informed when sending funds. How can MoneyGram state they are abiding by a regulation and not provide the regulation they are abiding by? The end result was that they cancelled the transaction and advised my funds would be returned within 3-10 business days.
When I had been complaining to BOFA earlier this year they send me paper asking to file this complain in writing. I went to my bank the main brunch and asked for the forms to file complain. The associate told me it is no special forms and she will help me in communication to credit card division management. She did and she told me it is no need to file the formal complaint anymore since the complain was went into desired division. All I need is to wait for the answer on my request. So that, I did not send the annual amount because I was waiting for investigation and answer. Soon I had received the reminder from Credit Card division asking to proceed the payment. I call and explain to associate I am in complain and waiting for an answer. I was asked if I can pay any amount now. I was agree to pay {$50.00}. However, the bank start to charge me the late fee and increase payments percentage. This was not what I should inspect accordingly the bank associate which had helped me by mediating. I can not increase my monthly payment up to level of new demand and my debt is increasing every month since then.
I have contact Medical Data Systems about the inaccuracy of the debt from XXXX Hospital since XX/XX/XXXX. I even agreed to pay the portion of the bill that was accurate. The company refused to accept that amount and also refused to contact the debt holder to validate the debt after I made multiple requests in XX/XX/XXXX and XX/XX/XXXX to receive validation of the debt as required by the Fair Credit Reporting Act. 

Having no luck with Medical Data Systems I contacted XXXX XXXX Hospital and the put me in touch with the CFO, who had his staff suspend all activity on my account on XX/XX/XXXX. Please see attached letter from XXXX XXXX, XXXX for XXXX XXXX Hospital.
Some time ago someone at a Creditor entered my name as XXXX XXXX XXXX vice XXXX XXXX XXXX an obvious typo. Also reported an Employer as XXXX XXXX, vice XXXX XXXX. Again a typo by someone doing data entry. For years I have received credit offers to XXXX XXXX XXXX. Tried of it and would like my Equifax Report corrected. I have contacted XXXX and they have corrected via their process. Hoping this works.
I no longer have my breakdown loans paid off or discharged but I do have my chapter XXXX discharge papers. My Citibank 2nd mortgage amount of about {$400000.00} subsequently discharged on XX/XX/XXXX. Citimortgage possessed a junior lien on my property that was subsequently stripped by the Chapter XXXXBankruptcy Judge in XXXX CA around XX/XX/XXXX due to the property being upside down. The last payment I made on this account was posted on or about XX/XX/XXXX. 

Two days ago I received a letter that looks like they are attempting collection efforts. I called and spoke to XXXX at number on letter and he said your agency is requiring them to resend these letters to all consumers to have for their own information. The letter shows they received payments after that thru XXXX, which can not be legally possible due to lien strip. 

I stilll dont feel comfortable with Citibanks reply today and I feel they are still attempting harassing collection efforts.
I am disputing this d ebt collection fr om Toyota Finance Corp for t he following reasons : On   XXXX   2013 I lost my job,  I fell behind in my payments and notified  toyota that I could no longer pay the agreed upon pa yments. I asked if we could work something out and get into a program, I wanted to pay as much as I could until I got another job. I ended up owing them 3 months of payments about 1200.00. They refused to negotiate with me and repossed the car. They added on  XXXX  for the repossession and then started adding on additional chargesto sell the car and transport it to another state. I have no record of these charges. The  XXXX  I owed them became {$4700.00}, they kept adding on charges and interest. I could have had the car almost paid off by now. This was unnecessary on their part, they have ruined my credit f or four y ears and I have tried to come to an arrangement with them. They treated me completely unfairly. They want {$4700.00}, for a car they took from me when I only owed around {$1200.00} originally. That is completely unfair, they have the car and they unjustly charged me. I just want to settle this dispute so it can be removed from my credit rating.
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the case and stating my reasons had nothing to do with them the account was VALIDATED well i asked to be sent proof and that was not done I NEED THE ACCOUNT TO BE VALIDATED, Proof of My WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX acct. XXXX XXXX RMSCC # XXXX $ XXXX ...
XX/XX/XXXX Wells Fargo sent me more notices stating that I am " Seriously delinquent '' for XX/XX/XXXX & XX/XX/XXXX, which Wells Fargo knows is not true. 

Last month I filed a complaint here with the CFPB reiterating the large number of problems I have had with the erroneous account keeping with Wells Fargo and how money goes unaccounted for in the account and with the constant late notices that have escalated to fees and credit reporting. 

While Wells has admitted that they did receive the Mortgage payment for XX/XX/XXXX, they are still sending delinquent notices and have not acknowledged they receive the XX/XX/XXXX payments. WF is harassing me and threating foreclosure and has yet to send me the monthly statement for XX/XX/XXXX nor XX/XX/XXXX. 

For the record XX/XX/XXXX WF cashed the Mortgage check # XXXX, ( {$630.00} PI ) on XX/XX/XXXX and the escrow check # XXXX for {$140.00} also on XX/XX/XXXX. Wells Fargo did not send any updated monthly statement reflecting those payments. 

WF also has created an unapplied suspense account in which money appears then disappears without explanation. Normally suspense/unapplied funds are a result of escrow shortages ; however the escrow account has not been, nor is now in any shortage situation ; in fact XX/XX/XXXX, I received Check # XXXX Which WF explained ( only after I pressed with a CFPB complaint ), was a overage check. 

The Veterans administration approved this Loan XX/XX/XXXX, I have never been late with monthly payments and Wells Fargo is very much aware of that, yet they continue to withhold funds, manipulate and misapply payments. 

In the last statement of record sent by Wells Fargo, ( dated XX/XX/XXXX over 2 months ago ) they documented that there was XXXX in the Escrow, coupled with XXXX in a suspend/unapplied funds account which totaled XXXX on XX/XX/XXXX Wells received an addition escrow payment of XXXX ( XXXX ) adding to the total, XXXX, XX/XX/XXXX, more escrow payments CK # XXXX for XXXX and XX/XX/XXXX CK # XXXX bring the total escrow payments to XXXX which is more that my Taxes and insurance combined and exceeds the minimum low point in the account, with 3 months remaining. 

Wells Fargo has created this unnecessary unapplied account where money seems to disappear. The have created work sheets in XX/XX/XXXX, XX/XX/XXXX and again last month trying to justify moving money around and why it disappears. 

They created XXXX escrow analysis 3 months apart. They have created this unnecessary " unapplied '' funds account and moved money around without justification for that account. I have never been late according to VA guidelines nor has there been any shortage in the account. 

I have yet to receive monthly statements to reflect XX/XX/XXXX or XX/XX/XXXX payments. I highly recommend Wells be audited. 


For the record Check # XXXX XXXX mortgage PI XXXX ) for XXXX and escrow check # XXXX for XXXX was cashed by Wells Fargo on XXXX/XXXX/XXXX
I signed up for a Citigold checking account with a promotion code for XXXX XXXX XXXX AAdvantage miles for signing up and completing some requirements. I received confirmations that my bonus would post by XXXX XXXX. Some time before XXXX XXXX, one of my friends had said he had some issues getting his bonus - Citi told him he was not eligible for the offer, even though Citi allowed him to sign up for the account and collected his monthly fees. So I reached out to Citi customer service to make sure I would not have similar issues - that I was indeed eligible for the bonus. I received written confirmation ( attached ) that I was eligible for the bonus and completed the requirements, and the miles would post after the XXXX statement. Now, the miles have not posted and Citi has promised an investigation taking 24-48 hours. It has been six days and so I am filing a complaint. I am not happy with the service and the account, and the longer they take to respond, the more monthly fees they will collect. This seems like a bait-and-switch from Citi.
this is not a complaint as much as it is feedback overall i like capital one. they have helped me i need my case and needs individually analyzed and carefully analyzed. 
i need some extra time to pay my credit card bill and if possible any extra points to help me with balance. in addition to over a XXXX in medical debt currently in litigation for provider to pay i lost my AC and my fridge this summer. i only use your cards due to the excellent cusomter service. 
i am also needing more time to pay no interest please. some of those expenses are from months ago. please they were essential. my birthday is coming up and i would appreciate it. 
please consider helping me i use your cards when i have to and responsibily due to exemplary XXXX. i also had written about a business account and needs i have but to my disappointment just got a script back
I sent {$1000.00} via XXXX to XXXX XXXX XXXX, XXXX with the understanding I would get a return of {$10000.00} in 14 days. They asked for fee after fee that I paid and never paid me what they promised. Many of the fees were sent via XXXX or money gram.
XXXX XXXX continues to claim that I owe money for an account that was never mine. The same debt has been added to my credit report in collections for the third time. I have cleared the issue with XXXX XXXX twice and it was erased, but has somehow returned.
This is something that has already been negotiated an paid through a credit specialist and I have not opened anything with anyone in 2015 for that amount of money not paying XXXX twice this needs to be corrected!!!!!!!
I applied ( XXXX ) to refinance an existing 30yr fixed mortgage to another 30yr fixed with Quicken Loans. The initial process was fine. Upon applying I made it clear that one of my properties was newly purchased and I had only XXXX ownership of the property and had not even met the other owners nor have all the typical paperwork like insurance or property tax bills. At underwriting, the underwriter for my refi loan with QL insisted that I send a copy of the hazard insurance premium. I repeatedly told them I did not have it and all I could do was contact the owner in charge of paying the premium who had that information. I wrote a signed letter explaining the XXXX ownership, what the insurance premium was for the year ( split 8 ways ) and what my monthly costs were for the XXXX ownership. The underwriter did not accept this. Eventually I was able to find out the insurance policy and have the insurance company send me a copy of the premium to forward to QL. During this time ( XXXX ), I was also given a redisclosure document set that showed increased loan costs. The increase reflected an outrageous increase for the property assessment. At this point, I was frustrated with the experience at QL and posted some low scoring reviews on websites regarding QL. My reviews were factually correct. After about two weeks, I received another redisclosure document set that showed increased origination charges and a " condo insurance fee. '' At this point, I believed the increased charges stemmed from my negative reviews. I asked repeatedly to change the increased charges but I was given the run around or told they would while no changes were actually made. The second redisclosure set of documents were deleted from the electronic dashboard of all the loan docs, which I was using as proof they were increasing the loan fees. I have a printed copy, which perhaps they were not counting on. Finally, I asked for my {$500.00} Good Faith Deposit back so we could go our separate ways ( since they insist on keeping the increased fees that should n't have increased ). I was told today ( XXXX ) that they would not return my GFD of {$500.00}. I explained that I HAVE acted in " good faith '' during this process, but they are refusing to take off the increased charges and are acting very shady.
I was going to buy a car at   XXXX   XXXX   XXXX   XXXX   XXXX   Wisconsin. The finance  manager told  me there should be no problems and I would be approved for a loan. I told him if he encountered any problems to contact me by phone or email right away. Well he never contacted me, and instead ran my credit  XXXX  times. I did not approve of this.