WillisBack/dataset-financial-user-claim huggingface dataset:
I have been dealing with Wells Fargo for a number of months now and my concerns have escalated to the point of retaining counsel concerning two separate problems : Problem 1 : The most immediate deals with a 30 day late mark which occurred while we were disputing what was used on the account. The representative informed that I was missing a HELOC payment from XX/XX/XXXX. While XXXX XXXX XXXX XXXX, allegedly from the Wells Fargo Executive Offices, was on the phone with me on XX/XX/18, she manufactured a story that the reason she could not just offer a courtesy discount was because of CFPB regulations. In a nutshell, the gravamen of my concern has now evolved into a matter of a lack of blatant ethics on the part of Wells Fargo. At one point in frustration, I asked that even if all of my concerns turned out to be baseless, which they are not, could she just do a onetime courtesy removal. She said she could not because of the CFPB. I informed her that the statutory framework and common sense indicates that the decision was up to Wells Fargo and the credit agencies and that I would check with CFPB. I did so and my story was confirmed ( see enclosed e mail to her, Exhibit A ). 
Quite aside from this there is the question of the witnessed conversation I had with Wells Fargo regarding the dispute and that reporting shouldnt ensue during the dispute process. Although XXXX XXXX listened in on one conversation the attached letter to her documents a number of conversations with Wells Fargo and 2 out of the 4 she found happened after my complaint to the Executive Offices. Finally, there is the poor PR aspect of this case, since at or about the time of the problem my family and I were stuck in XXXX Florida for 3 weeks and Wells Fargo would not take the mitigating factors dealing with Hurricane Irma into account. I have rese4rached this and they do not have to be compassionate in so agreeing since my primary property securing the HELOC is in XXXX XXXX not the Florida XXXX, where we have our primary family home. 

Problem 2 : As a follow-up on a problem from over a year ago, I was negotiating with Wells Fargo for a more global settlement on y then multiple accounts with them, perhaps to include a modification on the HELOC and was informed by the negotiator ( named XXXX, or close to that spelling ; in Arizona ) that she was authorized to conduct a global settlement in the {$13000.00} range, and have records showing the issuance of a Cashier 's check as instructed. All of the accounts cleared up as promised but the home equity account. I was marked seriously delinquent on the Wells Fargo account for months and my credit score seriously affected. ( Documentation and sworn statement enclosed in Exhibit B ). I should have known better without a written contract to that effect, but I was pushed to settle for an alleged global settlement with strict time contraints under the threat of litigation from the major bank.
XXXX   XXXX     2017  and  XXXX   XXXX     2017  Asked for original Creditor and name but was told they could not give it to me. I then asked for a Validation letter but have n't received one yet. I talked to a representative by the name  XXXX . I wanted to get the original creditor name and address from this company because they would not negotiate.
Do not owe audit and ADJUSTMENT a penny. Never signed a contact with them, Dont know who they are. They listed a derogatory remark on my bureau and also listed it as medical which is againt HiPAA regulations.
My name is XXXX XXXX XXXX. I became XXXX XXXX in XXXX 2015. I am a XXXX and could no longer work on my feet. I took a XXXX job from home and a {$100000.00} cut in pay. I notified Freedom Mortgage and asked them if I could to a deed in lieu of foreclosure. They did not even suggest any way to help me. They just kept asking for paperwork to prove I was not making the income as before. They told me there was a lien on the property, we called about it and could not locate one.  Based on the untruth that there was a lien, they denied the deed in lieu of foreclosure. They went ahead and foreclosed. The thing is, that property sat there vacant for over a YEAR. By the time the auction went through, the house was worth MORE than they sold it for! They are not there to help the veterans at all. If they would have worked with me, I could have sold that house for MORE than what was due. Now, they are sending ME bills, with added late fees every month, for attorney fees ( which they could have avoided ). I am requesting this be made right by taking the foreclosure off my credit report. Once all the information comes to light, you will see that this request is fair and reasonable. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX XXXX
Don`t know what happened with my first complaint, now I am starting over. Perhaps you will retrieve it. As, I have stated this complaint is about a loan with the XXXX lender XXXX XXXX XXXX XXXX XXXX. XXXX transferred it to XXXX and finally to Ocwen. The home was purchased in XX/XX/XXXX by me and my daughter. Many years later we asked Ocwen to sent loan documents to examine. To our surprise we found that the co-borrower signature had be compromised and placed on documents unauthorized. A complaint was made with the Commissioner of Banks and a fraud package was sent to us by Ocwen. All documents were filled out and forwarded back to the commission. Ocwen continue to " state that they never received the paperwork. The commission contacted Ocwen and spoked to their contact and finally they got the documents after continuing on going complainting. Recently, this company did not report to the credit bureau our earnings sent since XX/XX/XXXX. Reporting just started a month or so ago and the second loan still is not being reported. Since they became my servicer I have been loyal and pay every month on time without late entry`s and this is how we continue to be treated. Ocwen promise to send a explanation in writing explaining what happen in why they failed to report to the credit bureau, but still have not received XXXX response. As a result, emails have been sent to upper management and just have been ignored. I am tired now at this point paying money for a home that was attained under false pretenses. I have the right to no what happen. I believe all the parties should be held accountable for their wrong doing. I do hope you can assist me into making the right decision.Thank you!!!
I was attempting to access my free credit report via XXXX.com and requested it from XXXX XXXX, XXXX, and Equifax. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions where about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking XXXX XXXX, XXXX, and Equifax to send me my credit report, preferably online, immediately.
Amsher Collection Agency collecting a XXXX disputed debt. The employee, XXXX, was abusive and bullyish. There were other ways to look up my account and he was very rude insisting that I had to give him my whole SS #. When I refused to do that he lied and said I had to. When he found my account using the phone number he said i had to call a different number. I asked him to wait a moment while I went to my desk to get a pen. He said call us back when you have a pen and hung up the phone. The amount I owe is small, I do n't even really owe it - this man was beyond rude and completely unsuited to this line of work. I called back and XXXX XXXX took care of me. Offered no apology regarding his employee 's abusive attitude. 
I can only imagine how bad someone with a real and large debt would feel about this company.
Wells Fargo closed my visa credit card due to suspected fraud without my knowledge no emails or phone calls from them they said they sent me a letter but I did n't get it. Because of this they said my rewards points are forfeited. According to them the only way I can get my points back is to apply for a new credit card. Ive been dealing with them since XXXX 2016 I spoke to different departments, cust service, collection, rewards, fraud dept and branch manager in XXXX XXXX. I do n't want a new credit card from them and check my credit again They should not punish and inconvenience me as their customer because I am the victim of fraud. I have an excellent credit rating and XXXX balance in my card it was paid off XXXX 2016 I found out that it was closed XXXX 2016.
I began shopping for a new automobile in XXXX 2016. I have signed only two applications and it was upon the assurance from the Finance Manager at a XXXX and XXXX dealership that he could get financing for sure. I told them I already had my own financing and that I had a fraud alert in effect due to Identity Theft. I was assured it would be a soft inquiry. Of course I was turned down. I have only been in a dealership building twice but counting all XXXX Credit Bureau 's Hard Inquiry shows almost XXXX total inquiries. 
I understand there is a tern " Shotgunning '' where Automobile Dealerships pass your inquiry or tracking software to see that you have visited their web site and then the next day a salesman calls. 
Of course everyone wants to get the best price and I see nothing wrong with viewing their inventory online. I did not know they had the ability to see who visited their website until I got an angry email from a salesman at a XXXX dealership in XXXX AL who sent me a nasty email about visiting their website over 25 times and to make up my mind. 
I had a friend that formerly worked as a XXXX said all XXXX have sources that they can get Social Security numbers on anyone without consent of the consumer. 
I believe that laws should be passed to require a signature in person or notarized to sign for their Social Security number to be given. That is one of the provisions in the Patriot Act but Automobile Dealers and Mortgage companies. 
Therefore I ask demand that the Hard Inquiry placed on Credit File with XXXX and XXXX be removed within ( 15 ) days or Legal Action will begin. 
There is a section in the FCRA laws that you have reason to sue in ANY COMPETENT COURT OF JURISDICTION for improper Hard Inquiry from any Credit Report Agency. 
I am asking that you voluntarily see that your inquiry or inquiries be removed from the Credit Bureaus, or by acceptance of this Certified Mail, I authorize that I have the right to sue in the XXXX Court. Our Social Security Numbers will be provided on a separate document although you already have it. Thank you. XXXX XXXX XXXX and XXXX XXXX XXXX
Why do we get cards from credit companys or even applications that can very well create fraud especially for people that have moved. Why isnt our government protecting us more from this fraud and only allow people that want credit cards to apply for them and those that dont need or want one not be sent applications. I dont understand this from our government as they are supposed to be their for the people and not the people for the government. We pay as citizens government employees and this needs to stop.
closed account with XXXX XXXX company for home at XXXX XXXX XXXX XXXX, XXXX started new services at XXXX XXXX XXXX XXXX XXXX XXXX service there form XXXX XXXX on my credit report a collection debt from Southwest Credit Systems , LP account number XXXX for amount of {$630.00} open date XXXX XXXX collecting for XXXX XXXX Company for home on XXXX XXXX XXXX that i closed in XXXX how can the collection company use a XXXX date to make it seem like its a new debt when it was a XXXX debt just want the collection company to have a date the account was closed and give me the legal statute that a debt can stay om my report
I didn't know that there was a report on something I never signed or aware of. I recently downloaded XXXX XXXX for help with my report in general but got better answers in someone stealing your identity in alerts. I had no idea of this until now, because my credit should of been good.
My Bluebird account was previously linked to a prepaid debit card ending in XXXX as a funding source. This card, issued by XXXX XXXX XXXX, was reported lost/stolen and a replacement card ending in XXXX was sent. I attempted to link this card, issued by the same bank, to my Bluebird account and the error messaged I received stated I need to check billing address and or CID code.. Prior to this, I received a different error message stating there was some type of system error and to try again later. I received varying different reasons for such error, three in total. Most recently, I've encountered a different error message when the same card type was linked prior, as stated before. Again, I received varying reasons for the error, the first gentleman I spoke with stated he could see my card linked on his end and that I needed to verify trial debits on my card, he instructed me to go back on Bluebird site to verify such debits. He was explained several times that I do not see what he is seeing on his end and that it showed my card was NOT in fact linked. A person by the name XXXX XXXX replied stating again that a prepaid debit card is not allowed as a funding source when such card was in fact linked prior.. This is the same individual whom refused to investigate fraud charges made on my account and had to resolve some of them directly with merchant, XXXX XXXX XXXX XXXX, he or she finally relented after numerous CFPB complaints and decided to investigate charges made from XXXX in which someone payed a " freakslette '' two amounts of XXXX and XXXX on XX/XX/XXXX using my card. Additional fraud transactions to XXXX XXXX   XXXX XXXX were resolved after filing complaints against merchant directly. As you can see, this individual will not relent unless repeated complaints are filed and has directed me to call Bluebird and ask for " FLOS '' department with questions about this matter ... No further calls will be made, complaints will be filed instead as I've already made attempts to resolve directly, which have gone nowhere. Their service is very poor to say the least and only offer useless apologies for it.
Bank of America never sent a lien release on my house since I paid off my mortgage to them on  XXXX   XXXX ,  2016 . My mortgage loan number was  XXXX . I called their number at  XXXX . I spoke with Bank of America representative  XXXX . She gave me a reference number of my complaint as  XXXX . She told me th at the county did  not record the lien release which in fact is not true. She told me there was nothing Bank of America could do. I went to  XXXX   County and obtained copies of the DEED OF TRUST. The county never received the lien release from Bank of America. By law, Bank of America should have released the lien. See attached document for pro of of payoff and their statement about the lien release documents.   I have currently applied for an equity loan with my credit union. They can not close the loan to me because Bank of America never filed the lien release. It is unlawful of Bank of America to be preventing me from obtaining my equity loan and further threatening the delay of my existing interest rate.
XXXX and XXXX XXXX original debt XXXX. I was never notified of this debt. This debt occurred on an emergency room visit regarding my son. The insurance holder for him is my ex wife through her new husbands policy. They never notified me of this debt and my ex wife was able to get this put under my social because she knows it by heart. I have settled this debt for XXXX and it was supposed to be removed from my report due to the false circumstances and lack of notification on behalf of the original creditor and my ex wife. For some reason it still appears on my report with an open balance of XXXX
Equifax has multiple accounts showing on my credit report that have been included in bankruptcy. These accounts show to have been included in bankruptcy but still show balances, past due dates and negative pay history. They have refused to fix this mistake even though I have asked them to twice now.
on XX/XX/XXXX I made a deposit to my XXXX acct. at citizens
 bank for XXXX the teller made a mistake and wrote XXXX
I told her it was XXXX they made me come the next day 
so they could fix the mistake. They deposited XXXX into
my acct. I assumed all was good but 5 months later XX/XX/XXXX
they debit my acct for XXXX saying their was an encoding
era and they never received the funds from my deposit they 
then took what funds were in my acct. and said I owed the
balance. XX/XX/XXXX is when looked at my acct. online and was
beside myself. I lost a days wages a check bounced on me
and i could not pay my subcontractors. Their is something
seriously wrong with doing this 5 months later what if i could 
not contact the customer to be reimbursed the funds or he 
died. how would i be able to fix this without major implications 
to me and my family. I want something to be done about this!
My credit report shows that I have not paid for a loan on a house I 've never owned. I lived with a man at this home but never was married or anything that legally binds me to him. I moved out after a couple of months and I have not returned. The mortgage company is XXXX XXXX Loans. I believe that is was XXXX or XXXX that I moved. I have since married to another man and have not seen the owner of the house, XXXX XXXX for about XXXX 17 years.
I started the negotiations XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.At that time that they began garnishing my paycheck at {$600.00} per month. I explained at the start of the school year that the $ XXXXwas too much considering that I only got {$1000.00} net every two weeks. 
However, they continued the garnishment up until the XX/XX/XXXX. I became unemployed and remained so until XX/XX/XXXX. At that time I continued the negotiations until XXXX or XX/XX/XXXX. 
I then decided that it would be best to get the legal system involved dueto the difficulty in getting XXXX XXXX XXXX XXXX XXXX XXXX tounderstand my dilemma. Thus, I sent a request to XXXX XXXX XXXXCourt to help with the negotiations. The court did not hear from XXXX XXXX XXXX XXXX for at least 10 months. As a result, Ireceived a notice of the potential dismissal of the case notice from theXXXX XXXX XXXX Court of XXXX XXXX, Florida dated XXXX XXXX, XXXX XXXX see attached document ). As I read the notice, I understood that thecase would be dismissed because of the 10 months of nonresponsefrom the XXXX XXXX XXXX XXXX XXXX XXXX. The hearing wasset for XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXwas given 5 days to respond and did so within that timeframe. As aresult, a new court date was set for XXXX XXXX, XXXX. What puzzles meis why was there such a long delay in getting a response from XXXX XXXX XXXX XXXX during the 10 months of their cone ofsilence. However, as soon as they were told the case would bedismissed, they responded within 5 days. I was unable to attend XX/XX/XXXX court date because this date was within the first week of myreturn XXXX, which is a contracted week XXXX and all staff must be present. 
As a result, the ruling was in the favor of XXXX XXXX XXXX XXXX XXXX, with a garnishment of {$650.00} every month from mypaycheck.
Hello, I was deceptively charged for a recurring service that I never signed up for, or was not made aware that I signed up for. 

I received ZERO communication via email, regular mail, or via phone from Experian that I had a recurring service from them and was being charged to my XXXX XXXX credit card. 

I had no access to the service either, as again, I never received ANY communication from them, so I never received a username and password or any instructions on how to access the recurring service. I, to this day, have not used the service they signed me up for, and since it 's just a website with a credit report on it, never received anything from them, nor did they incur any costs since nothing was ever delivered. 

I did, on a one time basis, access my credit report in XX/XX/XXXX, after the XXXX hack. That charge was for {$4.00}. I assume that they signed me up for the recurring service then, and deceptively did not CLEARLY state I was signing up for a service. 

I discovered the issue last year in XX/XX/XXXX when I reviewed my XXXX XXXX credit card statements and realized the recurring charges. I initially attempted to contact Experian, but could not reach them after being on hold over the phone for over an hour. So I then sent a dispute to XXXX XXXX XXXX. After several weeks ( was traveling to see family over XXXX ) with no response from XXXX XXXX, I contacted them again to dispute the charges. Yesterday, I finally received several emails from XXXX XXXX indicating that the charges would be rebilled to my account. 

I then contacted Experian again this morning by calling XXXX and was on hold for over 1 hour and 30 minutes ( I have a screenshot to prove it ) and was finally able to get a customer service agent on the phone. 

The customer service agent I spoke with is named 'XXXX ' on team 'XXXX ' within the customer service center. This agent said that they could not remove the charges. I then spoke with his manager 'XXXX ' (  agent # XXXX ) and she would not remove the charges either. 

The charges total {$170.00}. The charges occurred from XX/XX/XXXX - XX/XX/XXXX. Please see the attached screenshot of the charges from my online XXXX XXXX account.
I signed up for a XXXX XXXX XXXX XXXX XXXX credit card with US Bank that had an enrollment bonus of XXXX points after making {$3500.00} in purchases. After completing this {$3500.00} spend, I only received a XXXX point bonus. I would like the full amount as advertised and agreed upon prior to my application. 

I confirmed the enrollment bonus with a rep on the phone after I received the physical card. 

There is a lower level card available from US Bank that only gives XXXX points, but I confirmed with the rep that my account was the XXXX Signature version, which should be awarded XXXX. 

I emailed on XXXX and XXXX, and called on XXXX, but this issue has not been resolved yet.
I've been trying to get pre-approved for a mortgage. 
My lenders can pull all the credit bureaus other than Equifax. 
I have also try several paying services to review my credit with all the major agencies. I was succesful with all of them but Equfax. 
I called Equifax 8 times in 3 days. I spoke with customer service, supervisors and fraud department. Every time it's a different story. In the end everything seems fine on their end. 

I have submitted several times copies of my driver license, social security card and bank statement as a proof of address. 

I have spent almost {$200.00} to get my equifax credit report. Everytime I get something from them it shows as blank. Like I have no balances. 

I have no idea where to go after this. This is making impossible for me to buy a house.