WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of fraud and misrepresentation by my mortgage lender Wells Fargo. I have a FHA loan insured by HUD and due to a switch in employers and payment frequency I went through a temporary financial hardship and missed some mortgage payments. A couple of months later when I was in a stable position I contacted Wells Fargo to address the late payments and they told me since I had an FHA loan that there were several assistance programs. I was told I needed to apply for a modification, and XXXX XXXX was our designated contact at XXXX EXT XXXX. After supplying all of our paperwork we received modification paperwork in the mail and a notary came over for us to sign this. However, there were no terms, no payment amount and no statement telling when and where to make the mortgage payment in the Wells Fargo paperwork. We called Wells Fargo on several occasions and XXXX XXXX said she would look into it. She finally told us that our payment was {$1900.00} but that since the terms were not in the modification paperwork that we should not make a payment while Wells Fargo gets things straightened out. 

A couple of weeks later we called XXXX XXXX again to get more information. Once again she told us NOT to pay and to wait 30 more days so she could get this straightened out. After we did not make the second modification payment the collections department at Wells Fargo began calling us and telling us we were delinquent and that we were supposed to be making payments over the last couple of months. They told us they would not accept a single payment, only the full past due amount with late fees and Attorney fees. Now XXXX XXXX is apologizing over and over and saying let me get this straightened out ... ... ... ... ..but she never did. Soon we were in foreclosure and Wells Fargo set a foreclosure sale date. 

We are either victims of fraud and misrepresentation or utter incompetence on the part of Wells Fargo. Based on the fake bank account scandal and the investigations by Congress into the behavior and culture at Wells Fargo I admit I am not surprised. However, we are still in a difficult situation because of this. Wells Fargo appears to be willing to rip off HUD as well as my family, they want to lie and make misrepresentations so they can cash in the insurance instead of following the rules. Please look into this matter, all of our conversations with XXXX XXXX were recorded, we are telling the truth and Wells Fargo needs to be held accountable. We were approved, we had the means to pay, we wanted to pay and Wells Fargo told us not to because of errors on our paperwork. When we followed their advice we were put into foreclosure and they set a sale date and refused to accept any type of payment from us except the full past due amount.
Equifax continues to report erroneous inquiries information on my credit report after I have sent them verifiable proof ( via certified mail XX/XX/18 and XX/XX/18 ) that the inquiries were not made by me. I have sent them several letters via certified mail to prove that the inquiries were mine. I have also sent them documentation proving that I was the victim of identity theft ... all to no avail.
Prestige stated that they are not going to report any late deliquencies or repossession or collections or missing payments to XXXX, XXXX and XXXX because of my vehicle loan issues and disputes.
Also accommondate me on my XXXX XXXX under my ADA Disability Act Civil Rights.under the Department of Justice.
Is upon the discretion of a company management to report to credit reporting agencies and in good faith a full payment of {$880.00} was paid on XX/XX/XXXX on my birthday to accommondate the disputes of loan issues and interest rate of 17 %.
The full payment was debited from my XXXX XXXX XXXX Checking account.
I can not afford to have bad credit and low scores because I am trying hard to find me a lender that will lower my monthly payments of $ XXXX- {$440.00} and high interest rate of 17 % with Prestige.
Is Prestige in Retaliation because I file various Federal Complaints and seeking to destroy my credit so I do n't have another lender?
I am XXXX XXXX and Retired.
Notice : My Prestige Account Loan # XXXX XXXX XXXX XXXX XXXX Purchase on XX/XX/XXXX in XXXX, Texas while under Bankruptcy Chapter XXXX proceedings.
On XX/XX/XXXX I receive credit reporting Monitoring Alerts on 30 days late, Deliquencies, missed payments on my vehicle loan.
I am a Military Veteran, XXXX XXXX.
I filed a dispute with Experian. Within XXXX days I received a response that that dispute was closed/ resolved. Nothing ever changed. Both XXXX and XXXX removed the items from my report due to it being false information. Experian did not investigate the false information and has not removed it from my credit report with them. When I called Experian the representative said they do not do disputes and I was basically out of luck. These items on my credit report are false, and how do I get them removed if Experian will not do an investigation?
To Whom It May Concern, My name is XXXX XXXX, and I have been trying to work something out with my mortgage lender for about 3 months now and i constantly continue to request a short sale and the lender keeps saying that they do not approve short sales. I find this hard to believe since the Federal Government has had the underwater program in place since 2008 or earlier. I am reaching out to you to ensure that immediate attention is given to my concerns. I feel as if the lender is being unreasonable and I am desperate for help. I am trying my hardest to get this taken care of and they are not doing what the government says the lender should to provide me with foreclosure alternatives. I need your help. I need your assistance. I need for you to intervene and review my documentation for the short sale. I have a buyer, i have a good contract and i a need.
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, XXXX, and Experian with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX Unknown, XXXX XXXX XXXX  # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX , XXXX XXXX # : Unknown , XXXX XXXX XXXX # Unknown , XXXX XXXX XXXX : XXXX . I have never lived at XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL. Never worked at XXXX XXXX.
Paypal held funds without my authorization in the amount of XXXX. Pay pal has continue to hold funds illegally in connection with the violation with the XXXX XXXX XXXX. Pay pal has not issued payment with first judgement for same illegally activity an Electronic hold with authorization.
I'm writing this post again in tears dealing with this company. I checked my credit last year and found this account - since then my credit score has gone down 30 points. The bill is for a hospital visit - the hospital entered my social security number instead of my husband 's. This should be a quick fix right - wrong - In XXXX, my insurance company and myself did a three way conference call with EOS CCA - they explained to them how to correct this and have the bill paid. I was told it should take 3 to 4 weeks to clear. It's XXXX and know no one has a record of my insurance calling. I wrote their corporate office in XXXX, no response - can't get anyone from corporate on the phone. The phone call today last 5 minutes with - do you plan on paying this bill today - if not - I'm ending the call - I said no and she hung up ... ... .I 'm now considering taking them to court ... ... ..
XX/XX/XXXX Evening XXXX XXXX Laptop received a pop-up stating to call " XXXX Support '' XXXX. 
This number stated they were authentic XXXX XXXX. They performed various things on my laptop and I was told I needed a new FIREWALL, which would cost {$440.00}. They transferred me to a company THEY suggested to have the firewall installed. They worked IN my laptop for several hours requesting address, DOB, laptop password, and of course, credit card number. Because they were working on it until late Tuesday night, they said they would call me the next day. 

XX/XX/XXXX Morning Being suspicious, I contacted my number for XXXX XXXX to confirm whether work had been completed on my laptop. The REAL XXXX XXXX said no activity was done by REAL XXXX XXXX but numerous corrupt malware had been installed. The REAL XXXX technician cleaned it all up. I have changed numerous passwords and canceled existing credit cards. I have notified all banking institutions. 

The REAL XXXX Care, who repaired all their corrupt malware, gave me a case number, in the event they must be contacted for the damage observed : XXXX XX/XX/XXXX Afternoon The charge from TRANSFERWISE of {$440.00}. was PENDING on my credit card. The CASE NUMBER is XXXX. I called the XXXX number requesting the charge be reversed but they became angry and demanded I do not call them again. 
LATER, I happen to receive a call from same scammers from number XXXX explaining they were NOT able to install the firewall and wanted to attempt it again. I actually had them repeat the statement " did NOT install it yet ''. Without letting on to their scam, I informed them I was no longer interested ( since they had not completed it ) and asked to have the charge on my credit card reversed. " No problem, we have a MONEY BACK GUARANTEE. I asked the name of their company - they said XXXX but I suspect it is fake, also. 

XX/XX/XXXX, + XXXX, XXXX XXXX sends emails requesting a PHOTO ID. Needless to say, I did not respond. They stated the transaction would be " unsuccessful '' if I did not provide photo ID ( which is what I desired ). Their last email, XX/XX/XXXX stated it was, in fact, unsuccessful and I would be refunded. 

XX/XX/XXXX The TransferWise charge is now in POSTED charges on my account ( versus the earlier PENDING ). No refund.
Every year They charge me for a annual fee, last year when I spoke to them, he said it will not be charge now onwards. But again to my surprise, they charged me. {$39.00} on XX/XX/2018. 
I called asking them to remove the charges today ( XX/XX/2018 ), she said that can not be done. 

Can you get me refund please.
I went to annualcreditreport.com this month to obtain my free reports. For the past 4 years, Equifax has been the only CRA that refuses to grant me online access to my report. They always deny access and instruct me to request my report in writing. Again, this is the fourth consecutive year. I complained about this once before ( a couple of years ago ) to CFPB, and Equifax mailed my credit report at that time. Please fix this.
I have never open any credit cards by CHASE BANK USA , NA. I am showing XXXX accounts total. They are showing {$36000.00} ; {$8100.00} ; {$23000.00}
I received a letter from Sears Credit Services. The letter informed me that I was sent information earlier ( I received nothing earlier ) and that if I did nothing by XXXX XXXX my Sears credit card would be changed to a Sears Mastercard. If I preferred not to accept the " upgrade '' I was instructed to call a telephone number or go to a website. I tried calling but it would not accept my card number either by entering by voice or telephone key pad. It then asked for my social security number! The website had no place to turn down the offer.
I had hospital visits in 2010. I provided insurance information and went on with my life. Now, over 6 years later, I receive a collection and indications that the bill was never even submitted to my insurance. I provided this in good faith. I NEVER heard a thing about any of these bills. Now, after the time for submission has passed years ago, I receive a brand new collection bill.
I sent out letter for each credit Buerau to send me verification that the negative accounts on my report and all the hard iquries that I did n't not authorize to be removed it has been more than 60 days XXXX is reporting XXXX it 's not mines I ca n't utilize that service in my area, Experian and XXXX are reporting late payment for XXXX XXXX never late please correct or show me verification, XXXX XXXX now XXXX XXXX XXXX XXXX XXXX all need to be removed it has been going on months with no prove or validation that these accounts belong to me or the hard inquiries I 'm going to contact the BBB NEXT and than sue
XXXX XXXX has a debt listed my credit reports ( XXXX-Equifax-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  Phone Number XXXX The Collections Company XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a XXXX XXXX XXXX listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this account
Regarding Citi Costco Visa Card Transaction ID XXXX I checked the merchant concerned the above transaction. 
The Costco manager said this transaction was by cash paid in full. 
I want Citi Costco Visa authority to contact the merchant to confirm this cash payment. 
And remove their charge for {$100.00} from my credit card record. 
I hope this action will conclude the last 4 months of haggling and trouble by the credit issuer to a consumer. 
I would like to obtain Citi reply to this issue. 
XXXX XXXX
Years ago I had  XXXX . After a year of up and down service, we went the  last 6 weeks  with no service at all. At  one time they even stated that they did n't show us having service. I canceled and went with another p rovider. I returned all equipment as required. They sent a bill for service we did not receive. After numerous calls to  XXXX , I finally got a lady who said she saw were the issue was and would take care of it. Next thing I know it 's placed with a collection company. I proved my case to them and they removed it form my credit report, then  XXXX  sent it to another collection company, I proved my case to them, then it was sent to  a 3rd collatio n company! Attached pictures show how  XXXX  installed our service.
This is a {$450.00} debt that has been placed into collections. The collection company is XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. I have contacted XXXX by US mail and received two letters back written in XXXX. I have contacted them by phone and they indicated that the original account ( XXXX ) was listed as an XXXX speaking person. I do not speak speak XXXX. I submitted an online dispute with XXXX, but they decided in favor of XXXX. I have never received any documentation, XXXX or otherwise, validating this debt. I have offered to just pay the debt as long as it gets deleted from my credit profile. I was divorced in XX/XX/XXXX, and moved several times in the years after that. This debt recently came to my attention on a credit report inquiry, and is the only negative entry on my report. Although XXXX acknowledges that the original account listed the person receiving the credit as XXXX, they have refused to take any action. The persons I spoke with from XXXX indicated that they were located in XXXX, could have cared less about me submitting a complaint to the federal government of the United States. One call the man identified himself as " XXXX XXXX '' in XXXX, with and XXXX accent. This was false information given in an effort to collect a debt. The debt is in my previous name of XXXX XXXX. My name now after getting married in XX/XX/XXXX is XXXX XXXX.
The Creditor listed is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX Re : Ameri-cash loans Debt Stated {$380.00} Tried on multiple occasions to contact collections agency by phone ( XXXX ) XXXX based on number outlined on credit report. The system states it is unable to verify with last four digits of my SSN, and does not connect to a person ever. 

I have also disputed with Credit unions, but no verification of debt was provided to me. They simply returned a finding of valid debt to my credit report.
American Express, listing itself with XXXX different addresses, has repeatedly run my credit report illegally. These inquiries are 'soft ' inquiries, however, it is illegal! I have not been a cardholder or done business with American Express in over 12 years. I also have a LIFETIME ban with all credit reporting agencies for promotional inquiries. I do not know why this company feels that they need my credit report but they will be sued if they run my credit report again. They have done this several times a years for the last several years. American Express is to not contact me or run my credit again for any reason.
I requested a personal loan to Loan Me Company for XXXX, at the time that I requested I have a emergency and I needed the money right away, I was very desperate that at the moment I did n't think about how high was the loan interest, which 144 %, and now I struggling to make the payment on time, is hard for me now because besides this high interest and high payment loan I have another payments, and another basic expensive that sometimes I end without no money left.
Trident management continues to report to XXXX credit reporting agency XXXX accounts that do not belong me. I have asked for validation on two different dates which has yet to be provided.
I filed a lawsuit against Nationstar Mortgage , LLC, hereinafter referred to as Nationstar, my servicer, and my original lender for various causes of action. I have been fighting them for at least the past three years but more so this past year. My fight has gone on deaths ' ears with the California Judges and they keep dismissing my case for reasons they go against the actual laws, more specifically California Homeowners Bill of Rights. Presently, I have a Motion for Reconsideration that is scheduled for XXXX XXXX, 2015. The new facts that I have presented in my Motion for Reconsideration involves a Notice of Rescission. On XXXX XXXX, 2015, I sent a Notice of XXXX to Nationstar. They received the Notice of Rescission on XXXX XXXX, 2015. Under the Federal Truth In Lending Act, my debt obligation, the promissory note and the deed of trust were canceled immediately, by operation of law. Under the statute, the creditor 's interest in the property is " automatically negated regardless of its status and whether or not it was recorded or perfected ''. Also under the Act, Nationstar had 20 days from XXXX XXXX, 2015 to challenge my Notice of Rescission by filing a lawsuit against me. They have failed to take any action regarding my Notice of Rescission. Because of their failure to challenge the rescission, they have forever waived any and all defenses to my rescission. Under the Act, Nationstar is now in violation of the law, and they are blatantly disregarding my loan rescission rights. I have sent them a letter of non-compliance and have requested they cancel the sale date that is scheduled on my home Thursday, XXXX XXXX, 2015 and that they forward me a release and a reconveyance as required under the statute. I am filing this complaint to inform the CFPB that Nationstar continues to ignore the law and that they are in violation of a Federal Act. Their actions are unacceptable. I request the CFPB take some kind of disciplinary action against Nationstar for their blatant disregard for the law. I am hoping with your interaction, Nationstar will choose to abide by the Act and take the necessary steps that is required of them by law.
I have reviewed my credit report and I have found XXXX Security Finance on my repost for {$1300.00}. I when thru Bankruptcy in XXXX 2013 and this should be included in my BK, I have ask the lender several times to delete the other account and nothing has been done. the account # XXXX open date XXXX and the other XXXX is account # XXXX open date of XXXX and XXXX. I do recall refinancing the loan a couple of times but I did n't have XXXX loans at the same time. Security Finance XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
Equifax continues to report inaccurate information on my credit report in regards to XXXX XXXX XXXX. I have submitted a request for re-investigation with this credit reporting agencies and this is my third attempt to get this inaccurate information removed from my report. There are multiple inaccuracies in this reference to XXXX XXXX XXXX. First, the delinquency data is inaccurate as the date of delinquency was in 2011. Second, the balance owed is inaccurate as the balance is {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from the company indicating that they are in possession of this debt. The Fair Credit Reporting Act states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which XXXX XXXX XXXX is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied credit.
Wells Fargo, charged me a monthly service fee of {$10.00} XXXX separate times for not using my debit card ten times or more. When I inquired about this, I was told a few of my transactions did n't count because they were n't transaction from using my debit card and they could n't waive the fee. In the past I 've paid a small fortune in NSF fee relying on inaccurate balances due to the bank not posting to my account immediately. I 'm on a fixed monthly income and ca n't afford to have this bank taking money from me. I try to be careful to not go over my balance and now I have to worry about spending enough money from my debit card to avoid a monthly service fee. People like myself ca n't afford to keep this bank in business. They have no regards for people on a low income, if they have to charge fees why must they be so expensive and so many? It makes me feel as if I 've been robbed.