WillisBack/dataset-financial-user-claim huggingface dataset:
I bank at Wells Fargo. I want to report three ( 3 ) separate incidents of erroneous withdrawals/transfers from my savings to checking account posted as " overdraft protection from savings to checking ''. There are 3 concerns with this activity, ( i ) I am NOT enrolled in the overdraft protection program, ( ii ) I did NOT have a negative balance in my account ( I check it daily as I've had concerns over other suspicious activity ), and ( iii ) the funds did NOT appear in my checking account. The funds disappeared and Wells Fargo can not explain. The 1st incident occurred a few months ago. They had no explanation with first incident, apologized, and immediately returned the funds to my savings account of approximately {$40.00}. The 2nd incident was on XX/XX/18 for {$40.00} and a 3rd incident on XX/XX/XXXX for {$37.00}. I immediately called the XXXX number for Wells Fargo on XX/XX/2018. The rep confirmed that I'm NOT enrolled in overdraft protection, I did NOT have a negative balance and they could NOT explain what happened to the funds. They opened up a ticket to investigate by case manager. I contacted my local Wells Fargo branch office the very next day on XX/XX/XXXX. Spoke to a banker, who confirmed same. No explanation could be given. The bank representative took down my information and said they would get back to me by the afternoon. These occurrences are very concerning and suspicious. I never signed up for overdraft protection, I did not carry a negative balance and my funds have basically disappeared with no explanation or further investigations conducted by Wells.
Debt was discharged during short sale. In XXXX we sold our investment property in a short sale with Wells Fargo. We later received a XXXX from the lender, for the cancelled debt amount of {$8000.00}. Immediately after the short sale, we also started receiving statements from XXXX XXXX regarding this same shortage as though the cancelled debt was now owed to them. Not fully understanding the situation, my husband paid their invoices for over a year until he was advised by our accountant that we would not be responsible for both the cancellation of debt and the reimbursement of the short sale funds. We stopped making payments after XXXX XXXX. At the close of escrow we were required to sign a promissory note for {$8000.00} but we understood that we would either receive a cancellation of debit XXXX or the possibility of having to pay the promissory note. We were also advised that Oregon is not a " recapture '' state so it was very unlikely that the lender would attempt short sale recapture.
XX/XX/2018 I submitted a letter to XXXX XXXX XXXX XXXX, XXXX requesting the correct Name and Address on my credit file be Updated. and the removal of any other names and addresses to be removed due that they are not deliverable to me by the U.S. post office and they are not reportable to the FCRA, since they are inaccurate. Equifax stated that they cant remove the address or correct my name on my file. this is an issue that I've tried to fix without it coming to me filing a complaint on XXXX XXXX XXXX XXXX, XXXX. I'd received a letter stating Address XXXX XXXX XXXX XXXX XXXX ill XXXX was removed, which I will upload with this complaint, But I'm still seeing this address on my file as of today XX/XX/2018. I spoken to Equifax on todays date and the representative stated its still on my file.
I have been trying to contact this company for the longest with trying to resolve this issue. They would never answer the phones ; I have also sent them plenty of letters at address XXXX XXXX XXXX XXXX, XXXX, PA XXXX and I also have been calling telephone number ( XXXX ) XXXX. When they first begin to call me I use to get people yelling through the phone telling me that my credit will stay bad if I do n't settle with them now. I would get calls back to back to back but now the phones call have stopped.
I disputed some of my accounts through Equifax asking for verification. XXXX of the accounts were charged off in XX/XX/XXXX. They sent me back " verification '' of the accounts with only a balance and missing payments which are already found on my credit report. The accounts were opened in XX/XX/XXXX so I wanted to see actual verification with a signature and other documents. After sending the " verification '' they updated my account to show these XXXX charged off credit cards as my current revolving balance. These accounts were not on my revolving balance for years and I have received no bills for these accounts. This took my credit score down over XXXX points. Can you please help me with getting these accounts removed or at least removed from my current revolving balances. Thank you, XXXX XXXX
My name is XXXX XXXX. My social security number is XXXX, I have disputed XXXX items on the following credit reports : XXXX, XXXX and Transunion. Two of the five were deleted. XXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX XXXX account number XXXX remained. Since XXXX of 2017, I have repeatedly contacted the aforementioned companies and asked for proof that these accounts belonged to me. Neither of these companies provided me with evidence these accounts belonged to me or how they determined these were indeed my accounts. After not receiving proof that these accounts belonged to me I requested that the erroneous entries be deleted. Neither of these credit bureaus deleted these derogatory entries. Furthermore they never stated how these references were verified. I can only conclude that these credit bureaus are refusing to obey the Fair Credit Reporting Act, which states that all entries must be accurate and verifiable. If I ever signed a retail contract with these subscribers, copies should be provided as proof.
On XXXX XXXX, XXXX, I requested an investigation with XXXX XXXX into my Fay Servicing account,  because as of XXXX XXXX, XXXX a mortgage modification was done but the account continues to show negative information ( delinquent payments and past due amount ). After a modification is done the account should show current. The investigation came back with no information being changed. A second investigation was requested on XXXX XXXX, XXXX, and as of this writing the account still stands in the negative.
I am on a donotcall registry and I have no debt and have great credit and I owe nobody. This is a voice generated message asking me to call them back to settle a debt, however they never ask for anyone specifically nor do they give their name or mention the debt owed. Their number is XXXX and the name " Receivablesperf '' comes up.
I got a reward card from XXXX XXXX XXXX for {$100.00}, however the expiration date is too short which didnt give me enough time to use it. Gift card 2009 act clearly says the expiration date should be longer than what this card gave me.
I called Transunion multiple times about these inquiries on my credit report. I sent letters to all of the creditors who have no knowledge of these applications. I called and spoke with XXXX in the Us Handling Department at Transunion who said he would get these deleted and never did. I have been speaking with different reps who gives different answers. I have been following rules by sending in certified letters and I have copies of the receipts.
Equifax credit reporting refuses to remove the paid/release lien attached below even though it is ineligible for reporting under the new, stricter reporting rules for judgments and liens ( social security number fully blacked out, no date of birth ). It has already been removed by XXXX and XXXX from their reports. The Equifax customer service agent I spoke to went so far as to claim that this was " misinformation spread to the masses '' ( her exact words ), and that such liens and judgments would not be removed. I have read reports from others on FICO 's official forums who were told the same thing by Equifax 's customer service people, so this seems to be an officewide issue.
On XX/XX/XXXX, I got a past due notice for a bill I never got. I sent the payment that day for the actual charges but the late fee needs to be removed immediately! My coworkers who were traveling with me said their bills weren't even due until XX/XX/XXXX, the day I got my past due notice. This is clearly a SCAM and is completely unacceptable!
Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX IN all occurring on XX/XX/2018. 

Subsequently I was contacted by Big Picture Loans on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
Capital One Credit Card has continuously denied my requests for a credit limit increase, even though I have great payment history with the card. I submitted a previous complaint last year ( XXXX ), after they denied my requests for 1.5 to 2 years. THe last denial reason I received was that my average monthly payment was too low, but my monthly payment has averaged $ XXXX/month. I typically send $ XXXX- {$100.00} a month to cover y payment. I feel Capital One is being misleading to its customers. I opened this account to help rebuild my credit, but if you do not allow limit increases, how is that possible?
On XX/XX/2017, XXXX XXXX charge late fees in connection to my mortgage in the amount of {$100.00}. I have paid my mortgage bills on time, and I wrote them twice about this matter, and they never responded to my letters or my phone calls. I have documentation of my payments shown in my bank account statements, and have the letters that I mailed them. I am requesting them to refund me back the {$100.00} because I was wrongly charged. I would also like them to remove any bad remarks they sent to the credit bureaus Thank you.
XXXX, Wells Fargo and their servicing company, America 's Servicing Company, have refused to process and provide information regarding my Making Home Affordable mortgage modification application. After submitting my application on XX/XX/2016, with all supporting documentation and information, ASC refuses to communicate with me or my representatives about my application, and has put my property up for a sheriff 's sale on XX/XX/2016. 

XXXX and Wells Fargo are legally required to stop foreclosure proceedings while my application is considered. They have refused to do that.
Equifax violated my Privacy Rights as a Veteran without my permission. Also spoke about my personal identity when there are laws against not protecting my name, address, and reporting false errors hurting my good name and FCRA. 
Equifax was hacked several years ago and just violated a few of my Privacy rights without even contacting me. 
Equifax had a chance to prove to me why they kept unknown collection accounts in my credit report. The last four years Equifax hasn't responded five times to my disputes. I mailed another dispute a week ago to Equifax I decided to file this complaint because they won't report my findings of errors as a Veteran. 
This has hurt my borrowing other monies and lost out on homes because I didn't meet score requirements because Equifax refused to remove errors while violating my Privacy Rights, electronic communications, non disclosure statues, user authentication rights, OMB Guidance on Computer Cookies, and Government Paper Work Elimination Act as a VA Privacy Policy and it's hurt me as a Veteran and consumer.
In the XXXX, Discover nearly quintupled my monthly payment from {$120.00} per month to {$580.00}. I have explained to them countless times that I am unable to afford that type of payment per month. I have informed them that I am very willing to meet somewhere in the middle. In return, Discover has done the following : - Discover allowed me to go back on the graduated repayment plan in XXXX of XXXX, but again quintupled the monthly payment despite my countless testimonies that I was unable to afford what they demanded was the required monthly amount, even after I provided income verification, a fair monthly payment range that was almost three times more per month than the graduated repayment plan amount, stating they were n't able to do so, without any explanation why, at any time. 

- Discover has refused any type of loan modification in any capacity. 

- Discover has told me for three years now that they will be introducing new types of repayment plans that would allow me a lower monthly payment, they have not done so at any time. 
- Discover has put me on what is known as the " Payment Extension Program '' several times, which, over the phone, forces me to sign up for automatic payments on a three month basis, only broken down on a per loan basis, which still does not provide any type of loan modification that leads to a monthly payment reduction, causing me to fall further behind on my payments despite repeated attempts by me explaining that I can not afford the monthly payment they are refusing to negotiate on. 

- The outright lies by Discover, especially on their recorded phone conversations about new repayment programs that have never come to fruition, and how the " Payment Extension Program '' will supposedly make my account current, has in turn caused my credit score to suffer severely, and I am concerned that I will never be able to repair it due to the damage Discover Student Loans and their unwillingness to modify the loan repayment terms on a monthly basis to a fair amount that I have expressed to them countless times that I am willing to meet in the middle on will only cause further harm.
I am unable to access all my accounts ; savings and credit card. They locked my accounts without informing what the issue was. I called the customer service a few times and directed me to the security team department, but to my surprise, the Dept is only open M-F XXXX  to XXXX.I spent HOURS to call the security team department, while at work, with NO luck. Finally, I had to give up and so I called the customer service number again and requested to talk to the Manager but AGAIN, they told me that I had to talk to Security dept since that the dept the only one with access to unlock my account, not even their manager.  They also said that the sec dept had very high call volumes and the wait is long and to try calling them early morning. So, the next day, which is today, I called them exactly at XXXX ET and waited for 1 hour without no one still answering the phone. Its been over a week and I still dont have the access to my account! Me too, as other people stated with the same exact issue, concerned about the possibility of fraud and my credit rating.
There is a pending investigation into XXXX Uiversity for fraudulent practices. My Navient federal loans have been pulled from my bureau reports until a resolution to the matter is found, but my private student loan -which is the bulk of the loans taken out for the school-still remains on my bureau report. I have called Navient multiple times, but anything beyond the status of a loan goes unanswered. When I ask to speak to a supervisor, I'm " transferred '' and hung up on.
On Friday  XXXX   XXXX  2016 I applied for a credit card towards the purchase of a painting from Park West Gallery aboard the   XXXX   XXXX   XXXX  . On   XXXX   XXXX   I cancelled I cancelled the order from Park West via email after realizing that the bill of sale did not include vital information indicating authenticity. I lost trust in the company after I reviewed the handouts they provided and everything was mismatched and worthless. For the record I received no benefit - No goods were shipped to me and I received no goods from Park West.
Around the end of  XXXX  the Park West Gallery Synchrony credit card arrived at my house - I immediately called and cancelled the card - I was clear that I did not want that card. I was even told by the representative over the phone You will never be able to have a card with Park West again - I said that 's all right. I destroyed the card and therefore never ever used it.
Mid to late   XXXX   of 2016 - I received a credit card statement from Synchrony Bank showing that I owed {$790.00}. I immediately called, not knowing where and how this occurred and the representatives answering the phone could not tell me a name of a company or provide any information other than what I already saw on the statement which was   XXXX   XXXX  . A few days later I received a letter from Park West indicating I had a credit with them for {$790.00} that I had to use by a certain time towards a purchase with them. I immediately sent registered letters to the credit card company as well as Park West indicating that I did not want to be forced to do business with them and according to Contract Law their bill of Sale is null and void.
Needless to say, I am getting harassing calls every hour on the hour from Synchrony Bank and this is now affecting my credit.
FACTS : I received NO GOODS. I received a bill from Park West Synchrony Bank and a credit from Park West Gallery for the same amount.  XXXX
I am writing today in hopes to gain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 60 90 days late to the credit bureaus ( XXXX, XXXX  and XXXX  ) between XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.
The school closed and said i took out a lot of loans and i didnt. ther is no contact information to get this resolved.
I signed up for a Citibank checking accountpromotion back in XX/XX/2016 for {$400.00} promotional credit if you deposited $ XXXX and kept it in for 30 days and waited another 90 for payout.It has been 91 days aftermeeting all requirementsand no payout yet I have been calling XXXX in XXXX todayand that was about useless. Then I called a local branch guy in Illinoisand told him about the promotion I had and what was going on. I did not even have to give him my account # and he knew what the problems was and what was going on. He proceeded to tell me that hehas dealt with a lot of people over the last few weeks with the same issue as I am having. Apparently Citi is struggling to pay this $ XXXXpromotion out on time and is paying it outabout 3-4 weeks after thedayit was promised.When I signed up for this promotion I made sure to print all the " fine print '' out and I have it sitting right in front of meright now looking at it. Citi did not keep there end of the contract/promotion up.
The reasoning for my dispute is I feel like it 's not fair Navient Dept. Of Education Loans to add my late payment history to my report after my bankruptcy discharge..my late payment history occurred before bankruptcy my on time payments history is occurring after bankruptcy so that 's the only thing that needs to be showing up on my credit report.. my late payment history has impact on my credit an it needs to be taking off asap.. '' that 's just like punishing someone today for something they did four months ago it 's not right ''.
Called from an  XXXX  GA number but company is physically located in  XXXX   XXXX  Ga. It is my belief that this company is utilizing phone spoofing software to alter the area code of the number calling to hide their true identity.
Was offered a best buy credit card ( citibank ) in 2014 to purchase a TV for {$1200.00}. Signed up for the 24 month interest free path. I was told if I paid this balance off in 24 months, it would be interest free. However, they did not tell me that if I bought anything else on the card, they would pay that before my interest free balance. So, here I am thinking I am paying off my TV by making monthly payments on time of at least {$100.00} for 24 months. I have just learned that I still have a balance of {$930.00} on that TV plus a pending interest charge of {$700.00} in 26 days. I know that this is my fault as I should have spent more time on tracking my payments, but I feel that best buy should have been more diligent in making sure the consumer understands the rules and that Citibank should be liable for yet another scam.
I incurred a charge off account with  XXXX , it was turned over to collections to  XXXX .This account is showing on my credit report as being open, it was closed in   XXXX .This co mpany is adding interest in to this account, to increase the amount on my credit report to further damage my  credit score. T he beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.
XXXX/HSBC BANK refuse to delete an outdated, incorrect account associated with a divorce dispute from my various credit files which has had a {$0.00} balance as of 2010.
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Have a loan that is from an institute from a different state ; it was online services. The only loan I should and do have is a institution in New York only. I would like to dispute this and get it off my loan
Equifax has reported all my inquires credit cards and loan accounts under my sister 's name ( XXXX XXXX ) we are twins and have the same birthday and social security number are off by one digit so I need the XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX under my name XXXX XXXX and there should be nothing under XXXX XXXX.
We refinanced our condo in XX/XX/XXXX for {$50000.00} using ocwen loan servicing. In XX/XX/XXXX due to an income reduction we fell behind approxiamately XXXX or XXXX months. Using the HAMP program we were given a proposal for a loan modification. When I inquired from an abroad ( not in usa ) phone agent about principal reduction or fees waiver I was told that if we wanted either we would have to start the process over again. Feeling pressured that if we did n't accept we would be viewed negatively as not accepting the HAMP program. So we accepted the modification & the interest rate went from XXXX % to XXXX % & the monthly payment went down at most XXXX XXXX As a result after XXXX years of payments the principal is approximately XXXX $ with a ballon due in XXXX of approximately XXXX XXXX So after XXXX years of payments we have reduced the XXXX $ refinance by less than XXXX $ and still owe over XXXX XXXX This may be legal but it does n't seem moral or ethical for a XXXX dollar organization to take advantage of a seniors couple in financial straits.
I have paid a good portion of my loans down and asked repeatedly for a change in the amount due as my income has dipped a bit. They have been unreasonable and are harassing me constantly, even when I still make the very high payments. If I try to pay a little less, my entire family receives phone calls asking for my whereabouts.
Equifax is investigating a open complanent filed with CFPB. I feel since Equifax needs 60 days to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be removed from Equifax report while being investigated unfair for this to be on my Equifax credit report when these charges were not mine