WillisBack/dataset-financial-user-claim huggingface dataset:
We have had a financial hardship and tried to work with Wells Fargo to get a loan modification. We have worked with them over the past 4 months only to be told there was nothing they could do and put the property into active foreclosure status. The company has not been responsive to explain why the modification was not approved when provided additional information. They have not returned my preated calls and I feel like we are geeting the runaround. The whole process has been very frustrating on top of the stress of potentially loosing the house in foreclosure. They have not reached out to us to work out any other solutions. The last time I called, which was on Monday XXXX XXXX, 2015, I was told they have a policy to return call within 48 hours. That time has passed. I feel like they are not observing the foreclosure protections that have been put into place to protect homeowners by being responsive and finding solutions other than foreclosure.
XXXX XXXX XXXX XXXX XXXX is suing me in civil court for a loan that I have never been notified as past due, and shows current on my credit report. The Court case number is : XXXX I have never been notified of attempt to collect or that this account was past due, and the account shows current with a XXXX balance on my credit reports. My credit report also shows the last date of payment was XX/XX/XXXX and shows as current/never late through XX/XX/XXXX - XX/XX/XXXX.
Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, Equifax, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX  ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, Equifax, XXXX ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One/XXXX XXXX XXXX XXXX of a fraudulent application submitted with his information without his consent XX/XX/XXXX that left an inquiry on his XXXX  credit report. An official dispute of this application was mailed certified with return receipt to Capital One/XXXX XXXX XXXX XX/XX/XXXX ; however as of this date Capital One/XXXX XXXX XXXX failed to provide a reply or an update to the investigation status of this issue. This is a violation of the FCRA and my client 's federal consumer rights.
My mortgage company offers an online payment option at a cost of {$12.00} per transaction, I have used it twice and have had the same result. The first time I tried several times to get a resolution directly through the mortgage company, they continued to charge me late fees and actually initiated foreclosure proceedings when in fact they had received my payment but did not credit my account. Unfortunately it as happened again, This time I do n't want to waste my time and energy going to the mortgage company because 1 ) they are offering a payment option and when used they do not credit your account and charge you late fees, 2 ) The frustration of dealing with multiple customer service agents, 3 ) the time and effort to correct a problem that is a result of their error. 
I have received a statement dated XXXX/XXXX/2016 that my account is 46 days delinquent and that I am in danger of foreclosure ; I have made the following payments {$1500.00} on XXXX, {$1400.00} on XXXX, and {$1500.00} on XXXX. The last payment was made via XXXX XXXX XXXX from their website. I received confirmation from the company of the {$1500.00} payment for XXXX ( Includes the {$12.00} fee ). What I do n't understand is they are now claiming that I have not made payments and they continue to rack up late fees. I would appreciate if they would review their own records, they are showing non payment for XXXX and XXXX which have been paid. I would also like them to review and reverse the late charges from this current episode and from the previous episode where I was charged late fees and attorneys fees for a payment made through their authorized provider for which they belatedly applied the payment in the previous incident and for which they have not yet applied the payment for the funds received on XXXX/XXXX/16. Additionally, if they are not able to complete the transaction with the current provider they have on their website, why do they continue to use said provider? Thanks.
Im a victim of The Transunion hard inquiry scandal. All inquiries were manually removed from my account via financial consultant ( paid service ) then later added a few days later causing my credit score to drop tremendously. Even lower than previously. It was if all the inquiries were all inquired at once. I spoke to a Transunion representative to see if they could clear my inquiries but they claim that I was not effected by their scandal when it was obvious that I was. Transunion has not been any help. The following inquiries were previously removed from my account before re-added by Transunion : XXXX XXXX  Delaware. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX
I have previously been the victim of identity theft and now have some more items appearing on my credit report that were not done by me or authorized. I will be placing security locks on all three bureaus to prevent this in the future. The list of Unauthorized Inquiries are : Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX. XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX
I have a charge on my account for {$640.00} that I did not make. I have tried to contact Rushcard for a week now with no help. I am put on hold for hours and i went online and filled out a dispute form and faxed it in. I have yet to receive a call, email or acknowledgement that they have received my complaint. I have also had double charges on my account and then the charges go away but my money is never returned to me.
I have contacted Navient, initially, the party I spoke to said XXXX XXXX on uncountable occasions. This company has this fraudulent account on my credit report three times. I have never applied for any loan of any kind with this organization. I have sent my domicile as well it is public information that I have lived between the XXXX properties XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX exceeding 20 years. My daughter has admitted to signing the documents in which I was mortified when finding this out. Her signing my name to a contract without my knowledge and saying that we were dealing with my spouse and son battling XXXX, which I have unfortunately loss them both was a massive ordeal, but that was her excuse for signing my signature and not asking, that is unacceptable. I continue to say that I knew nothing of this until discovering on my credit reports, which I immediately contacted them and have been going back and forth since. I am attaching one of the contacts from my daughter acknowledging it is her debt, XXXX XXXX, not XXXX XXXX. I am asking again for this debt to be removed. If this were my debt, I would have paid and this would be no issue, but to liable for something I had no knowledge is absolutely insane. I am asking Navient to release me of liability immediately and hold XXXX the liable party of the debt. Attached again is a letter from XXXX XXXX. Please remove this fraudulent debt from the XXXX bureaus immediately.
Collection agency reported to XXXX that I owe {$550.00} to XXXX XXXX for an outstanding gas bill which I have a grant for the amount of {$600.00} for. I disputed the claim and sent them a copy of the grant. I have not been contacted by them since. 
I have also called, faxed, and mailed the grant information to XXXX XXXX via USPS Priority with signature and when ever I call they say they have no record of receiving any information for me. 
I have not lived in the state for almost two years.
I sent multiple faxes and called over 25 times to Navy Federal to dispute IR/Late Payment charges ( on a frozen account due to formal open complaint with CFPB ), repair request with credit bureaus and re-activation of my credit card. This whole process started way back on XXXX/XXXX/XXXX and I have had to escalate and talk to several different departments, but that did n't resolve the issue for months. I was n't getting resolution so I filed a complaint with NCUA ( National Credit Union Association ) they do n't handle this type of dispute. So they forwarded my case to the CFPB during that time Navy Federal did credit my account, but has not fixed the mistakes on my credit report and closed XXXX credit card accounts. I received a letter on XXXX XXXX, XXXX from a different underwriting department stating the account was closed due to in-activity. There has been no activity because the account is frozen until the open CFPB disputes are resolved. After crediting those accounts they 're still not open and did n't repair my credit report. I have documents showing negative entries on my credit report and my submission to the FTC and NCUA. To exacerbate all these issues, last month ( XXXX, XXXX ), Navy Federal decided to re-activate the account internally ( though I still have no credit limit and the card is essentially frozen ), and now ( without my knowledge or consent ) another unknown XXXX department decided to start charging me late payment fees and IR changes. There have ben no charges on this account for over a year as the account is frozen. And for some strange reason, Navy Federal decided to add more issues to an already large systemic issue related to my current open complaints.
I received a call on my personal cell phone about a week ago from a company identifying itself as " First Source Advantage. '' They asked for a person by name, who used to be my roommate but died this past XXXX. Before his death we shared a phone number for our land line, but that has been disconnected. I explained to the caller that the person was deceased and they had called my personal cell phone. 

Today I received another call from the same company, again asking for my deceased roommate. I told them again that he died in XXXX, and their representative essentially accused me of lying. 

I provided the caller with information about the estate and a phone number for its personal representative. I also instructed him not to call my cell phone any further. But I should not have had to make this request more than once.
I lost my card and contacted the company for a replacement card. I was told that I have to wait 5 business days to receive a card after I am required to send my Id to them first. I sent picture of license and utility bill while on the phone. I have bills to pay and my money is being withheld. I use the address they have on file and another address. I was told there is nothing to be done and now I have no access to my account balance online and when I call it says my balance is XXXX. I asked to close the account and receive a check for my balance and was told no
On XX/XX/ PayPal Credit contacted me by letter alleging that I own a debt {$65.00}. I telephone called PayPal and was advised that I didn't have an account. I responded Pursuant to the Fair Debt Collection Practices Act, Demanding Information ; Verify the amount of debt, send a copy of written verification of debt with name creditor, Stop all collection efforts until I receive a copy of this written verification of debt. 

Received a letter dated XX/XX/XXXXalleging I owe {$24.00} for transaction dated XX/XX/XXXX XXXX, ( Account XXXX XXXX XXXX XXXX ) On XX/XX/, I received a bill from PayPal for {$100.00} which I do not own. 

Thanks for your attention regarding this matter. 
XXXX XXXX
XXXX, the credit reporting and credit monitoring company, processed fraudulent reoccurring charges to my PayPal credit card for their credit monitoring services for XXXX identities that did not match my credit card information. Although XXXX agreed to refund the charges, as a credit monitoring company would you think they should more closely monitor the actions of their own customers - both myself and the other identities? This makes me wonder if the XXXX identities that were attempted and successfully charged on my credit card were targets of another party trying to capture data about the identities on the fraudulent credit monitoring subscriptions?
They call me constantly XX/XX/XXXX they called from XXXXat XXXX, XXXX, XXXX,XXXX, they also called from number XXXX at XXXX, XXXX, XXXX and XXXX. The day before that number called me 9 times and I have several other numbers for them calling me at early morning hours more than 2-3 times an hour. When I took their call they put me on hod to wait for the rep for 15 mins then rep wouldnt speak t me because I wouldnt " verify '' my personal info they have on file for me.
THE COMPANY’S RESPONSE ADDRESSED ALL OF MY ISSUESNoADDITIONAL COMMENTSCFPB- in XX/XX/XXXXof last year, I came in from the jet ski trip, and being in a foreign country where safety can be a concern in incidents like this, spoke with the hotel (the hotel which confirmed in email (the 3rd party letter) to ensure someone was aware, other than the 2 parties involved. Then, I proceeded to my room and spent ~90 minutes on a call with a B of A representative who informed me that I do not need to be worried and that this was the only information she needed today. So, I was under the impression that I had covered all my bases in order to receive the credit back. Later on, when I was back in the US, I had to call for an update on the submitted claim which I believe took place in early XX/XX/XXXX. At this point, B of A tells me that I need to submit a letter from a 3rd party source that CONFIRMED THE DETAILS OF THE INCIDENT. Nothing was even mentioned about a technician being required that would confirm the jetski was, indeed experiencing technical issues that caused the sinking/smoking of the engine. These types of issues are rampant on the XXXX XXXX XXXX XXXX (or even XXXX  in general), so I am baffled that this is even being questioned. I have 3rd party confirmation of the incident taking place, and I am tired of discussing an issue that was reported the day it took place, no instructions were given to me on how to handle, and not until I was home did anything get mentioned about the 3rd party confirmation. Realistically, however, even if I had known I needed a technician to come view the jetski, do you really think the jetski rental spot would let this happen?! Certainly not. I expect my bank to fight on my behalf in incidents where me (the consumer) are being taken advantage of by companies in foreign countries. I covered the bases I was aware of while in Thailand and while back in the US. Now, I want B of A to do their job.I UNDERSTAND THE COMPANY’S RESPONSE TO MY COMPLAINTNoADDITIONAL COMMENTSI understand what they are saying, but it STILL does not align with the communication between B of A and myself on the day of the incident.THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINTNoADDITIONAL COMMENTSSee above
CitiBank violated Regulation E ( Reg E ) of the Federal Reserve when they refused to reimburse my personal checking account for the XXXX unauthorized transactions with my ATM debit card. I have notified the bank on XXXX XXXX, 2016, for the transactions that occurred on XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. The bank failed to conduct an adequate and proper investigation and failed to reimburse my account the loss of {$2800.00}. I have done everything on my end to notify the bank of the loss in the timely manner, and yet they did not follow Reg E and did not provide any legitimate reason for their actions.
I have asked XXXX to validate the debt they are trying to collect on, find attach what they send me every time I request validation I have ask them to send me the contact information to the original creditor, I have ask that they send me a contract with my signature, in which case I have received neither of what I have requested, I do receive that they have verified with there client and I need to pay. These letters they send does not meet validation required by the fair credit reporting act, this is the same information they send to the credit bureaus. so not only is XXXX is in violation of FCRA so is Equifax. on top of not validating these accounts, there showing that I have owed {$80.00} as of XX/XX/XXXX, but in there letter they are stating the service date is XX/XX/XXXX which is re ageing this unvalidate debt, which again is a violation of FCRA, The other account is reported as in debt as of XX/XX/XXXX, in there letter they state {$480.00} service date of XX/XX/XXXX again re aging a debt. find there letter if they would like to see all letter which are same sent to me but different dates, there has not been no proof sent that these are my accounts.
In this case discovery was never completed, conditioned presedence was never met, no testimony given, no witnesses to alledge factsgiven under oath, statements presented was based on heresay.However on the forth hearing opposing counsel prensented a note with brite blue signitures and the Judge asked me was that my signiture, as I was replying that it looked like my signature opposing counsel interrupted and said `even he admits it your honor`, my finish statement was your honor they can put your signiture on anything. 
Next the Judge said if either party would like to send me any additional information before I make decision you have eight days to do so. 
Below is the additional information I sent to the Judge however I do not believe he got an opputunity to read it prior rendering a decision. 


IN THE SUPERIOR COURT OF CONNECTICUTJ.D OF XXXXBANK OF AMERICA. N.A. 
PLAINTIFFv. DOCKET NO : XXXX ANDDEFENDANTSXXXX/XX/XX/XXXXMy name is XXXX XXXX XXXX XXXX After losing my job of 28 years I finally found a lower paying job and tried to get a modification but did not qualify. However, in the process I found many inconsistencies in the information that Bank of America provided. On XXXX I sent a dispute letter asking for validation of the debt. I never received a validation from Bank of America. 
On XX/XX/XXXX, two months later after they received my dispute letter a law suit was initiated, DOC # XXXX. Thereby, not conforming to " conditions precedence '', I have received separate statements from Bank of America in which they stated that they were the creditor, the debt collector and the servicer. 
I also received printout records that evidenced that the debt was purchased while the account was in default which is a violation of FDCPA XXXX XXXX XXXX. 
According to XXXX I.D Min # XXXX XXXX it states that Bank of America is the servicer and XXXX XXXX is the investor, which shows that Bank of America is in violation of the FDCPA 15 USC 1692 E. 
They have failed to show information proving verification. The assignment given as proof of their ownership is riddle with names which have been shown to be ROB0 signers. XXXX XXXX, XXXX XXXX, XXXX XXXX, they have been publicly verified as ROBO signers. As this information has been submitted to the court evidencing XXXX distinctly different signatures for each name. Therefore, this unknown debt collector refuse to make full disclosure of information requested through discovery! 
It is my belief that all such information was fraudulently produced. Such fraudulent behavior has already been ruled Res judacata by the Consumer Financial Protection Bureau. ( CFPB ) I am exercising my private right of action in accord with the Supreme Court ruling of XXXX vs Countrywide, and thus rescinding with damages because of such attempts to defraud! 
XXXX
A Law Corporation : Patenaude and Felix from XXXX XXXX, CA, www.pandf.us, sent a collection letter to relatives around XX/XX/XXXX. The letter alleges {$5300.00} is owed on a XXXX XXXX credit card closed XX/XX/XXXX. XXXX XXXX Court records the case XXXX has been closed, debt settled and paid. The debt was paid through court ordered wage garnishment which was completed and terminated, paid in full in XX/XX/XXXX. It is now almost 15-20 years later and the new collection corporation Patenaude and Felix is attempting to collect on a debt that is no longer owed, and not valid, completely unlawful. In addition, the letter was sent to relatives to their XXXX XXXX which I  have never used.
Recently obtained a mortgage for {$800000.00} with Wells Fargo account. I told them at the time that ALL funds would be transferred out of my new account to fund the mortgage as it was the funds I needed for the loan. I personally went into the XXXX XXXX, CA location on XXXX XXXX XXXX to set up the account and experienced a young gentleman name, XXXX XXXX who asked a zillion and one questions as to what I was purchasing and doing with my money. Personally I told him it was non of his business as his voice was extremely loud and carried throughout the bank. He was so unprofessional when it came to doing business nor did he have any business sense in keeping peoples banking affairs on a confidential level. At that time, I told him the account was would be closed after the funds were transferred out as I did not want to hold a personal account with Wells Fargo. He was persistent with me and continued to ask. The more he asked the more upset I got. I told him I do banking with a local banker and very happy with my current situation. This transaction took place on XXXX XXXX, XXXX. Since then, Wells Fargo took it upon themselves to withdraw {$63.00} out of my XXXX. olds account who also we filed a complaint as his account was compromised by excessive fees. Again, typical of Wells Fargo and charging fees that are unnecessary to the consumer.