WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XX/XX/XXXXwe decided to build a house in XXXX XXXX, SC. and we put a {$75000.00} mtg on it with The XXXX XXXX XXXX After a year had passed I decided to put a LOC on the house and we did, with XXXX, a {$100000.00} amount. Years went by and we made our payments. In XXXX of XX/XX/XXXXan individual stole 20 checks from my Business ckbk forged and negotiated them. For the first 9 there was money in my ckbk and they cleared but the final 11 bounced and I was held responsible. I served 11 mos incarcerated from XXXX to XXXX. 

During that time period there were no payments made as both my S/S and VA cks were stopped and my wife could not make the pyts on her $ XXXXmo S/S ck. When I was released I immediately called both Banks to attempt to negotiate a pyt program to deal with the non pyts. XXXX XXXX was very ameniable, Nationstar was not. As you can see from the monthly statements, XXXX 's past due amount was {$2100.00} and Nationstar 's was {$17000.00}. I tried without success to find out what caused the disparity, but they would not tell me. Nationstar said they notified me XXXX XXXX ( I never received it ) that they had declined my Modification request because of eligibility requirements : they could not reduce our monthly payment by 10 %. I told them I did n't need to reduce my monthly payment- I wanted them to put my Past Due amount into the Principle amount and change the term. 
They said they could not. I then asked them for a copy of XXXX XXXX 's eligibility requirements and they refused. 

My monthly P & I pymts are : Nationstar- {$400.00} & XXXX 's {$270.00}. That 's a total of {$680.00}. Over the the 12 years we have never escrowed any Taxes, Ins or HOA fees, we have paid them. 

My house has appraised between {$330000.00} and {$350000.00}, leaving an equity of approximately {$150000.00}. At the moment my monthly income is {$3600.00} ( {$43000.00} ) from the S/S, VA and a small pension ( proof attached ). We have a small amount of consumer debt and a car payment. I have attached a filled in XXXX XXXX XXXX form XXXX that was sent to Nationstar XX/XX/XXXX My wife ( of XXXX yrs ) has XXXX XXXX in a XXXX, and recently had a XXXX XXXX and I have no interest in moving. We would just like Nationstar or " XXXX XXXX '' to help us create a program that we can live with for the remainder of our lives. Anything that you need as additional info I will quickly provide. 

Thank you for your assistance XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, SC XXXX XXXX XXXX
I've had this bluebird account for years and as of late I've had alot of unauthorized us currently found out I was experiencing ID theft after a few months back I checked my XXXX XXXX  and saw things I'd never do or have hotel stays, XXXX which I don't even use and I disputed XXXX in XXXX money returned now it's happening again. Why and how is this possible for someone to hack into or use another identity and how can a client be protected as this is very difficult to figure out returning money, adding money, changing passwords nothing seems to stop the issue I did police report officer said that was good cause during you guys investigation u may come upon a name or any distinguished indepent features, tattoos etc.
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Those dates are : 1. XX/XX/2017
COLLECTOR AND CREDITOR ARE MANUFACTURING DEBT TO COLLECT ON AND XXXX COUNTY IS KNOW FOR FRAUD AND SCAMMERS.
WE RECIVED A LETTER IN LATE XX/XX/XXXX, THAT MY MOTHERS HOUSE PAYMENT WOULD BE GOING UP TO XXXX BECAUSE OF PAST DUE TAXES AND THEY WILL OPEN AN ESCROW ACCT. WE CALLED M & T BANK TO ADVISE THEM NOT TO OPEN AN ESCROW ACCT, THEY HER TAXES WERE BEING PAID MONTLY FOR THE COUNTY, AND ONLY {$98.00} WAS DUE AND WE HAD SENT CHECKS TO THE COUNTY OFFICE TO PROCESS  FINAL PAYMENT ON XX/XX/XXXX. WE WERE ADVISED THAT MT BANK SENT {$220.00}, BUT {$120.00} WAS SENT BACK TO THEM FOR OVERPAYMENT. XXXX ADVISED US TO SEND COPIES SHOWING WE PAY THE COUNTY TAXES. WE DID. IN XX/XX/XXXX, WE SPOKE TO XXXX XXXX XXXX  IN THE MORTGAGE CUSTOMER SUPPORT DEPARTMENT AT XXXX, SHE REVIEWED THE ACCT AND SEEN WHERE WE HAVE BEEN PAYING THE COUNTY TAXES FOR OVER 15 YEARS AND NEVER HAS MT BANK PAID, UNTIL NOW. SHE ADVISED US TO PAY THE {$98.00} TO HER BY CHECK AND THAT WOULD CLEAR THE PROBLEM UP. AND THAT MY MOTHERS ACCT WILL GO BACK TO REGULAR PAYMENTS AND TO WRITE AND ADVISED FOR MT BANK TO NOW OPEN AN ESCROW ACCT, BECAUSE WE PAY THE COUNTY TAXES AND MY MOMS GET A TAX FREEZE ON HER CITY TAX BECAUSE SHE ELDERLY AND XXXX, SO SHE DOESNT HAVE TO PAY THE CITY TAXES. I SENT THE LETTER IN XX/XX/XXXX, AND MT BANK WRITES BACK THEY ARE CONTINUING WITH THE ESCROW ACCT BECAUSE WE THE TAXES FOR XXXX AND XXXX WERE NOT REMITTED TIMELY. THE TAXES IN XXXX WERE PAID ON TIME AND WE HAD ARRGMTS FOR XXXX FOR THE {$98.00} DUE, WE NEVER RECEIVED ANY DELIQUENT NOTICE FROM OUR COUNTY TAX OFFICE BECAUSE WE PAY ON TIME. MY MOM COUNTY TAXES ARE ONLY {$300.00} AND MT BANK IS CHARGING HER AN EXTRA {$150.00} A MONTH. I SPOKE WITH XXXX A SUPERVISOR IN THE TAX CUSTOMER SERVICES CENTER ON XX/XX/XXXX HE ADVSD HE WILL RESEND TO ESCROW. I ASKED TO SPEAK WTH AN ESCROW REP HE REFUSED ADVS TO WAIT UNTIL THEY SENDS A LETTER. I ADVISED HIM IN 15 YEARS WE HAVE NEVER HAD A PROBLEM WITH PAYING THE HOUSE NOTE OR TAXES BUT NOW MT BANK WANTS TO OPEN AN ESCROW ACC WHICH WE REFUSED AND PAY TAXES THAT THEY SHOULDNT PAY. BECAUSE MY MOM GETS COUNTY AND CITY ASSISTANCE AND HAVE BEEN FOR YEARS. ALSO WE HAVE LEFT SEVERAL MESSAGES FOR XXXX XXXX XXXX TO CALL BACK, AND SHE HASNT CALLED PERIOD. ALSO LEFT MESSAGES ON HER VOICEMAIL, AND NO CALL BACK. ALSO LEFT MESSAGES FOR HER SUPVISIOER TO CALL BACK AND NO CALL BACK. MT BANK PREYS ON THE XXXX COMMUNITY AND NEEDS TO CLOSE DOWN. MY MOM HAS BEEN PAYING ON THIS ACCT FOR OVER 15 YEARS AND STILL OWES XXXX. SHE HAS ALREADY PAID OVER {$31000.00} AND WAS ONLY GIVE ABOUT 15K.
The purpose of this complaint is based on a rejected loan application to the following : THE CASH STORE - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX Application was completed in person on XXXX XXXX XXXX at XXXX and was rejected. 
Previous application was submitted on XXXX XXXX XXXX and was rejected. 

Demographics for the applicant are the following : XXXX Veteran, XXXX XXXX income only XXXX, over XXXX, no XXXX.
On XX/XX/2017, I received a letter from a company named Midland Credit Management formally XXXX XXXX about a past credit card debt that was sold to them by XXXX XXXX Bank. After I couldn't come to an agreement with XXXX XXXX I wrote a letter on Febuary XXXX to Midland Credit Management along with a check stating that this was payment on my account to have it paid in full and upon them cashing the check they agreed to remove any negative remarks off of my credit reports with XXXX, XXXX, and XXXX, and mark this as paid in full and if this showed up on my credit report as a collection they would take the necessary steps to remove it. As of today this has showed up as a collection on my reports and should be removed immediately. I will be enclosing the copied letter that I wrote and the copy of the check that I wrote to them in which they cashed it. I'm writing to you today because I don't think it's right for this company to report this on my credit reports which the agreement was which I stated above and I would like for this company to remove this from my credit reports immediately due to the fact it's hurting my credit. Thank you for your time.
My credit limit with XXXX XXXX was {$2000.00} I have a balance of {$1000.00}. I have a excellent payment history with XXXX XXXX. With having a excellent payment history and only using 50 % of my limit, this would give me a good rating for my credit. Now since XXXX 's have chosen to reduce my credit limit to {$1100.00}, this now has a negative impact and gives a false factor to anyone who views my credit report. Instead of showing I was about 50 % now my credit shows 95 %. That's a false report that negatively impacts my credit score.
Calls many times a day at different times. They never leave a message. They call from XXXX The company IC, systems I will also forward a copy of this complaint to my attorney. XXXX XXXX who will handle this matter.
I was in the hospital XXXX/XXXX/14 to XXXX/XXXX/2014. There were XXXX different bills that resulted from that visit : XXXX XXXX {$37000.00}, XXXX XXXX XXXX XXXX {$9900.00} and XXXX XXXX XXXX {$550.00}. We have insurance that pays 100 %. Both XXXX XXXX and XXXX XXXX XXXX XXXX submitted their bills to our insurance and were paid in full. XXXX XXXX XXXX, however, said that we did not have insurance and and now have submitted this charge to Healthcare Collections Inc as our responsibility and posted negative to our credit. They will not submit to the insurance and will not remove it from our credit bureau. This bill for {$550.00} was to be paid in full like the {$47000.00} that was paid to the other XXXX bills. We should not be penalized for their lack of processing and someone dropping the ball in their billing department. When I contacted them and asked why they did n't submit to the insurance, they said " We do n't have time to research and find out if people have insurance ''. I advised them that we are 100 % covered by insurance and we submitted our insurance information to the hospital upon check in on XXXX/XXXX/14 and that all the other bills were paid. They said now it is too late and refused to help us. It has almost been a year since I was in the hospital and this charge is barely posting to the credit report?! This office obviously has billing problems. We were never notified of any issues with the billing and did n't expect to be since our insurance covers 100 %. We are currently trying to buy a house and this is severely affecting our credit. Please help us resolve this situation. Thank you.
I applied for the Gap Visa card and was declined after they told me that I wasapproved at first and so they lied to me this is not right as a bank they shouldnot be lying to me this is not right they need to upgrade my card to a visa forlying and i want a number to call to talk to them about this situation
Bank of america is not sending right info of my account to   XXXX   XXXX   company the y send the info just 1once a week and send wrong info or older
My account is now handled by the Equifax Consumer Affairs and I would like for it to be REMOVED. They are rude, inconsiderate and just blatantly hang up on you because I ca n't pull m info anymore. This is N OT HOW you t reat consumers!! I would like for my account to be removed ASAP! I ca n't pull my score for free or reports anymore something has happened and this was months after they started handling my account. I should be able to monitor my report and not call a rude  XXXX  department
I noticed some unusually high number credit inquiries on my credit profile on XX/XX/XXXX. I called all 3 credit bureaus ( XXXX, XXXX, and Equifax ) to ask for them to be removed from my profile because I did n't apply for credit or loans. I also wanted to add an extended fraud alert. I was given the option to add the fraud alert but any unknown inquiries that I wanted to have removed would have to be done by the lenders directly. This was extremely frustrating to me since I had no clue of where these came from. I then contacted the lenders on XX/XX/XXXX and have noticed no change and contacted the bureaus ( XXXX, XXXX, and Equifax ) again on XX/XX/XXXX but to no avail. Also, there are more inquiries as of XX/XX/XXXX on my profile. I will put the extended fraud alert on my account asap.
We began trying to refinance our home on XX/XX/XXXX. After providing all of the " typical '' documents needed after the initial approval, we moved on through to the closing disclosure process when our lender checked our credit once more before actual closing only to find some issues on our credit reports. We disputed a few accounts, two in particular, one being CAPITAL ONE BANK USA NA, which was reporting my Chapter XXXX Bankruptcy as though it had happened in XX/XX/XXXX. I filed on XX/XX/XXXX and the discharge was granted on XX/XX/XXXX. As a consumer, the reporting verbiage is quite vague and often does not come across in an adverse way until you try and apply for a loan. ( I realize the accounts included in the bankruptcy are adverse or derogatory for 10 years, however, they should be reporting accurately as to the filing date of XX/XX/XXXX, which is over 3 years ago allowing for us to move forward on an FHA refinance ). However, they are reporting as though the bankruptcy was discharged as recently as XX/XX/XXXX and kicks us right out of being able to close on our loan ... yet again. When we first filed a dispute with all three bureaus regarding the inaccurate reporting, it was supposedly corrected on XX/XX/XXXX and reporting as it should. However, after that initial dispute was resolved, a new one began leading us to the current date. That was resolved on Monday, XX/XX/XXXX so we thought we were good to go to finally pick up where we had left off and proceed with the documentation to get the loan closed. Our lender ran another credit check only to find two of the former accounts we had disputed and were told were resolved were reporting inaccurately yet again. We are now back to square one. Losing out on yet more money each day that passes, our initial interest rate, which was much lower in XX/XX/XXXX than it currently is now and have to wait for this to be resolved yet again in order to try and move forward again.I am providing the initial dispute documentation, the successful fax email I received from my lender for that dispute, my full schedule providing the filing and discharge dates as well as how they are currently reporting incorrectly compared to an account that was also discharged in my bankruptcy and how it reports accurately to illustrate the difference. I am also providing all email correspondence in regards to this previous dispute already initiated and supposedly completed in XX/XX/XXXX.
this all stared XX/XX/XXXX TD Bank XXXX XXXX XXXX I opened my account onXX/XX/XXXX i had a savings of XXXX and checking of XXXX.I disputed my accounts and transaction many times, I had a primary account savings.I with drew my money on XX/XX/XXXX XXXX on XX/XX/XXXX i despotsed XXXX by XX/XX/XXXX i only had XXXX so by the time i closed it I only had XXXX. they sent me the wrong checks twice and i brought them back, they gave me about 4 different XXXX debet cards at one point i went to put money in my checking and it eat my card and said i had XXXX balance of funds. they owe me money.
I have a XXXX XXXX card and it went into collections after I had some trouble with changing my account while I transitioning out the military. Any way I have been trying to resolve this debt for a while and even offered to pay month to month. One guy I offered that to denied the payment and said it wouldn't be enough. I believed I offered XXXX dollars a month since that was what I can offered at the moment. I then called back and tried to offer a settlement since they took around XXXX $ from my tax returns. When I get a notice in the mail and the statement shows how much I owe it is from XXXX XXXX and not from tsi. Tsi tells me its like XXXX-XXXX  more then the statement says when I try to pay them. I called tsi again just recently and tried to get information on all the options I have to handle this account and the operator quickly got disrespectful. She rushed me and said I can pay in full now or set up a payment plan and if I can't do that its nothing she wanted to talk about. I then just told her again I just wanted a little more information she then said she not arguing with me and then tried to hang up on me, she said goodbye. I then remained on the line and she came back on disrespectful again and I just said I was trying to have a real conversation so I could get this cleared up. I then asked for her managers number and she gave me this phony number that rung once and auto reply answered and replied I have reached an unassigned number TSI and hung up. Here is the number XXXX
The reason for my writing today, is that Capital One is being unreasonable, I have noticed that they are reporting a late payment around XX/XX/XXXX of my cap one/XXXX account. I opened this account on XX/XX/XXXX and have had an outstanding reputation in as far as paying my credit obligation is concerned. capital one representative told me they make goodwill adjustments for medical issues but when I called the executive resolutions they flatly refused I've always paid above the minimum on all my Capital One accounts including my credit cards. Sometimes even 3x more than the minimum which I did many times before the stated late payment occurred. Were it not for the, hospitalization issue I had during the XX/XX/XXXX billing cycle, I would have cleared my {$25.00} fees that was due as I usually did, and maintained my 100 % record. capital one representative told me they make goodwill adjustments for medical issues but when I called the executive resolutions they flatly refused I request the late payment be removed from my payment history as it is adversely affecting my well- being as a US citizen. Please, remove the late payment history of this Retail credit card account. : CAPITAL ONE / XXXX Account Number : XXXX So please resolve this thing permanently and get back to me once you have, thank you.
Over 2 years ago my identity was stolen. XXXX allowed someone to open a XXXX acct under my maiden name. I have not been that name in over 10 years. The account was opened in XXXXXXXX and I have lived in XXXX for over 10 years. No matter how many times I fax the documents that XXXX or whatever collection agency they turn it over too they do not fix it. Even though everytime I call XXXX and refax the documents they assure me everything is fixed and not to worry. I just went thru this in XXXX 2016 and I am going thru it again now as they have reported the XXXX act against my credit/SS # as a charge off which has totally messed up my credit. I call XXXX and nothing gets resolved. I call the credit collection and nothing gets fixed. I have faxed and refaxed the documents more times than I can count. What does a person have to do to get something resolved like this. I have more than proven it is fraud acct that I do n't owe and should not be responsible for. I have done everything I have been told to do and still nothing but a bad mark against me that I ca n't get anyone to fix!! PLEASE HELP ME!!! I have been calm, cried, screamed done everything!! EVERYTHING THEY HAVE ASKED YET NO ONE FIXES THIS AND IT IS DESTROYING MY CREDIT.
I would like to make report that someone has opened Credit cards and utilities bills in my name without my permission. I was in the process of buying a home when my credit report came back there was accounts that I didn't recognize a XXXX XXXX #  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX . 
I never had any documentations of contracts for services with these companies.
I placed a call to Capital One customer service on XXXX/XXXX/XXXX to request a waiver of the annual " cardmember fee '', which had been charged to my account on XXXX/XXXX/XXXX. The representative explained to me that I could avoid the fee by converting my account from the " Quicksilver '' card to the " Quicksilver One '' card. I agreed to convert my account and the representative told me that I should be able to view my updated account information online within five business days.

I received and activated the new card about two days later ( Around XXXX/XXXX/XXXX ). My online account did not indicate that I had been given a credit for the cardmember fee when I checked on XXXX/XXXX/XXXX. 

I placed another call to Capital One customer service on XXXX/XXXX/XXXX to ask why I had not been credited for the cardmember fee. XXXX, the customer rep, explained that I was expected to pay the fee according to Capital One policy. At this point, I questioned the logic of having to pay a {$39.00} annual fee for a card that I had for a mere four days ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ) and was transferred to XXXX ( XXXX 's supervisor ). 

XXXX proceeded to tell me that there was nothing he, or anyone else at Capital one for that matter, could do to waive this invalid fee from my account. The only option he presented was for me to close my account, which he claimed would prevent me from incurring the fee. I asked to speak to his supervisor and was rebuffed. 

I can understand paying a prorated cardmember fee for the four days I had the card this year. I ca n't wrap my head around paying the entire fee. It seems very unfair and Capital One is completely unwilling to resolve the issue.
On XX/XX/XXXX, I contacted Equifax to disbute creditor of XXXX XXXX and was advised that I could n't request for item to be distributed as it came back verified in XXXX and XX/XX/XXXX. Original creditor was included in XXXX bankruptcy as well as is outside of the statue of limitations for the State of Florida. Creditor previously had item placed on credit file in XXXX. Now, creditor has sold the debt to a collection agency of XXXX XXXX XXXX and it negatively affecting my credit.
My mortgage company has tried to run my equifax credit report 3 different times and comes back with an error saying no data found I spent 2 hours today on the phone and 1 hour the previous two days
I have sent Trans Union numerous request to investigate and correct accounts in my credit report that are reporting incorrectly.
In XXXX 2014 there was several accounts started in my name without my consent. one was with Ally Financial {$10000.00} second with XXXX XXXX {$29000.00} third with XXXX {$12000.00} and XXXX  XXXX XXXX {$11000.00}
In late XXXX, early XXXX I went to XXXX XXXX XXXX in XXXX CA for an XXXX. Shortly after I lost my job and was not able to pay my bill and the account went into collections until I was able to pay. To my knowledge, I had paid my account in full of {$330.00} to XXXX financial services, and never showed on my credit report. 

Within the past year I have noticed that OneAdvantage is showing on my XXXX report for currently {$130.00} and Firstsource Advantage for {$130.00} on my XXXX report. These accounts ' amount increases over time and sometimes they are different amounts. They both say the original creditor is XXXX XXXX XXXX XXXX and that the account has been opened since XXXX of XXXX. 

To the best of my knowledge, I have paid all of my debts to XXXX XXXX XXXX. Neither of these collection agencies have ever contacted me by mail, or by phone. The only credit agency that has contacted me was XXXX, and like I said before, I paid my collection account in full. 

When I check the websites for these collection agencies, they ask for an account number in which I do not have - before I can move on further.