WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a claim against Wells Fargo Mortgage Company back in XXXX, 2015. My complaint number is # XXXX. 
The essential claim was that Wells Fargo Mortgage Company intentionally manipulated the appraisal for a house my wife and I were buying in order to charge us PMI. 
The Wells Fargo controlled appraisal came it at {$210000.00}. This figure was woefully under priced for the house we were purchasing. Eventually, we went to another bank and applied for a mortgage with them. Their ordered appraisal came in at {$240000.00}, which was very representative of the new house we were purchasing. We incurred a significant monetary loss by needing to reapply to a second bank at the last moment in order to save our deal. 
I submitted the details for Wells Fargo 's manipulation in Claim # XXXX. 
My wife and I wish to resubmit this original claim, in light of Wells Fargo 's proven corruption and illegal banking practices. 

Thank you for reconsideration of Claim # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX
on XXXX XXXX noticed unauthorized charge on my company 's account so call the bank immediately and I shut my ATM card off and even at the time still on the phone with the bank the person with the fake card tried making another charge.at XXXX, XXXX XXXX, N.Y. 
the charge was at XXXX XXXX XXXX in XXXX XXXX, N.Y. for {$170.00} a New ATM Card was sent to me a Temporary charge was credited to the account on XXXX XXXX for {$170.00} on XXXX XXXX the claim was denied and bank took the money back so I called to found why, and only told that the claim was denied with no correspondence from the bank what so ever or a affidavit disclaimer was not sent to me at any time, not even after I requested a affidavit disclaimer be sent to me and still no correspondence. 
from the bank and no further information after reconsideration to reopen the claim. 
nor would get answers about the bank security being breached that was not reported to FTC.
There is  a Tax Lien on my  Equifax report that was previously removed and put back on.  XXXX   XXXX  and   XXXX   have already removed it but for some reason Equifax has not.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   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 my monthly statement did not get to me.
Around  XXXX / XX/XX/XXXX  my mortgage was sold from   XXXX   XXXX   XXXX  . to Nationstar Mortgage. The terms were to remain exactly the same. The  XX/XX/XXXX ARM has an interest rate change date of XX/XX/XXXX , resulting in a payment change for  XX/XX/XXXX . My monthly statements from Nationstar puts the new interest rate on  XX/XX/XXXX .
I spoke with a customer service rep (  XXXX  ) on XX/XX/XXXX , another rep named  XXXX  on  XX/XX/XXXX  and a customer service rep named  XXXX  on  XX/XX/XXXX . These representatives acknowledged that I was correct, that my interest rate change date is  XX/XX/XXXX and my monthly statements continue to indicate it will be  XX/XX/XXXX .
I keep receiving refinance solicitations from Nationstar multiple times per week. I have no interest in doing any such thing with this company.
For several years I have received notices from XXXX XXXX XXXX. According to the notices the debt is for Fifth Third Bank. Although I admittedly owed Fifth Third nearly 14 years ago that debt has been paid. Not only was the debt paid immediately but I was also subjected to a state operated " bad check '' program which required me to pay for a course for unknowingly spending beyond my limit. In total I have paid more than {$250.00} for a less than {$50.00} overdraft when I was XXXX and I am still being harassed. I have explained this information to XXXX in the past but they continue to harass me. I have done research and apparently this company uses tactics to scam unknowing consumers out of money. It 's disgusting that our personal information has somehow fallen into the hands of this fraudulent company.
In XX/XX/XXXX after XXXX County Florida was declared a natural disaster from Hurricane Irma we reached out to our Mortgage Company XXXX XXXX to see what our options were as were not sure to the extent of the damages and how much it would cost us. I called XXXX XXXX and spoke to Representative XXXX and she stated that the Forbearance would be for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no late charges and payment would begin back in XX/XX/XXXX. We also at that time would have to make a decision ( in XX/XX/XXXX ) to do a payment modification on months in forbearance or pay those months back that was in forbearance ; per conversation with Representative XXXX. On XX/XX/XXXX we received a letter from XXXX XXXX confirming the forbearance for Hurricane Irma. We paid {$3500.00} on XX/XX/XXXX with customer service Rep confirmation # XXXX as we no longer needed the forbearance and didn't use that mortgage payment money therefore we simply paid the months that were in forbearance. On XX/XX/XXXX we received a post in the mail dated XX/XX/XXXX from XXXX XXXX stating they have reported us late to the credit bureau about a late or missed payment. I called on XX/XX/XXXX at XXXX spoke to XXXX a customer service representative asking what payment was late. He stated XX/XX/XXXX on. I told him we were in forbearance at the time due to hurricane Irma and he confirmed this, apologized, stated their mistake and would research it and get back with me. That was two weeks ago, I still have no response from the mortgage company or that our credit reports were fixed.
I used an agent to transfer money to an account in XXXX on Friday XX/XX/17. Till date funds never showed up in recipients account. I contacted Agent of choice money transfer in New Jersey XXXX a subsidiary of ( small world financial service group ) today to ask for proof of transfer, they insisted they cant help me unless i provide recipients bank statement. I have spent numerous of my productive hours on the phone to no avail.The supposed recipient sent me a screen shot of their account i also spoke to an accounting officer who confirmed the money never made it into her account. 
Choice bank have been having me do the run around hanging up on me and constantly transferring from agent to agent. A receipt form the transfer agent has been attached for your verification. 
I have a right to receive a document of how the money was transfered out of their account
Equifax announced on XXXX XXXX that the suffered a massive security breach which may have compromised the personal data for millions of Americans. I checked the " https : //www.equifaxsecurity2017.com/potential-impact/ '' website to see if I was potentially impacted. The website stated that my information may have been compromised.
Item # XXXX - I was provided information by a Transunion alert that an unknown collection agency, Online in XXXX, was reporting an unknown debt for {$58.00}. In researching the line it shows that the creditor, XXXX XXXX XXXX, provided the collection in error. In fact, a check for {$87.00} was received from XXXX XXXX XXXX XX/XX/2016 for the error. The matter was closed and no balance was due. 
Item # XXXX - Transunion continues to provide accurate information in regards to a medical creditor from XXXX XXXX, NV, XXXX XXXX, XXXX. This collection agency was instructed by XXXX to stop collections and erroneous activities of this item line reported on my personal credit report. 
Transunion continues to provide this inaccurate information on my reports which has resulted in loss and harm.
Hello my name is XXXX XXXX I am writing this letter to whom it may concern, I have a loan that was recently reported on my credit report as 90 days late payment, these payments were late cause I was told that I had forbearance time to consolidate my school loans Now that I know I was given the wrong information I wanting to know if there is any way that if I bring my payments to current and set up automatic payment with a checking account could these late payments be removed from my credit report as a good will gesture I know that its not an obligation or if this is possible but it would be greatly appreciated I do construction work and it is seasonal which that said XXXX to XXXX are the busiest months here in Ohio, I started to make payments in XX/XX/2018 and what I should have done is set up automatic payments so I would not encounter these problems please let me know if there is a possibility of this happening I have worked so hard to build my credit scores and to have it taken away without warning of the situation that was going to take place and this really hurt my lively hood witch would intern help me to take care of the loan I feel so terrible, please let me know thanks in advance I will also be updating my contact info so that I can receive nelnet alerts thanks in advance I am awaiting your reply
Since 2012 I have been disputing on loan collections with schools and credit reporting agencies and I have not receive no positive letters.
  XXXX    College was displine by Federal Government and Federal Loan Servicing has n't deleted the negative student collection on my credit report with  XXXX ,  XXXX  and  XXXX .
I can not persue my degree and attending a University if the collections are on my credit and credit files with Agencies.
Contacted Sentry Credit located at XXXX, XXXX, WA XXXX in late XX/XX/2017. A phone call for information was made on XX/XX/2017 to the office located in XXXX, WA and the collector that answered yelled and claimed NSF fees have been incurred. I held my composer and asked to speak to a manager and was transferred to a male representative who did not know anything related to credit reporting and the random account that was placed under my name. After being yelled at by this company and not getting any information pertaining to a {$260.00} amount hanging on my credit I am requesting removal of the account from my credit report. The Company did not act within legal parameters by threatening me verbally on the phone and later changing my commentary and statuses on my credit report. There is obviously something wrong with a company if they start adding random commentary on my credit report. I received no information about this debt within the legal time-frame. Under regulation 809 as stated within the Fair Credit Collection law, Sentry Credit did not respond to the consumer within five days after the initial communication in connection with the above debt. The credit needs to be removed immediately due to noncompliance with FCC law and FCRA.
I recently had a loan paid off with Wells Fargo for my auto loan. I have been trying to reach Wells Fargo in regard to an over payment to my loan, and have received no response. I have called several times and submitted an email to Wells Fargo Dealer Services with no return contact.
First Data is reporting that I have an outstanding balance with their company for {$1800.00} to XXXX XXXX. A had inquired about a credit card reader for my store about this time last year. The account number listed on this account is XXXX. It is my contention that I have no outstanding balance with this company. First of all, the credit card equipment they delivered was never operational. Their service representatives could never get it working. Secondly, I never signed a contract with them. And finally, I have repeatedly requested for them to pick up their equipment, but they never do ( or provide instruction on how I can return it ). I would like them to delete this account from my credit report. I certainly should n't have to pay for something that never worked, nor for their negligence on re-acquiring their faulty equipment.
Bank of America became my home mortgage loan servicer by assignment. My original mortgage servicer permitted automatic monthly payments. Bank of America only permits automatic monthly payments if the user sets up a Bank of America checking, money market or home equity line of credit account. This is an unfair practice. Such automatic monthly payment option is a standard and customary service and should not require the user to open a Bank of America account.
I had been checking balances for XXXX of my checking accounts with BB & T and was charged XXXX over draft fees when there was still money in my account. After speaking with customer support and a branch manager, they were unable to describe to me the nature of the over-draft fees and why the math for these fees did not add up to the amount that is now posted in my account.
As of XX/XX/2018 I have contacted World Finance Corporation regarding a former loan with their company that was in my name, but was discharged under Chapter XXXX   bankruptcy last year. This company is still reporting a past due balance to one bureau, and late payments after the bankruptcy was discharged to another. I have mailed certified mail, called, and mailed a second letter by certified mail today XX/XX/2018 to their office in XXXX, SC.
I paid the payment due on time but TJX charged me the usurious late fee of {$35.00} which is outrageous and obscene and downright criminal and confiscatory! XXXX XXXX, XXXX, XXXX XXXX, XXXX ( ret )
There is XXXX credit card account with XXXX XXXX XXXX that I have no knowledge of and there is a post office box listed as a address that I never had.
I have been trying to get loan modification assistance thru Wells Fargo for over 10 months now. Each time I submit documentation for review they continue to request the same information over and over again and claim they do n't have it. I recently reached out to them on XXXX XXXX 2016 and spoke to : XXXX XXXX in the REENTRY DEPT XXXX where he requested documents for review. He stated upon receiving the documents as long as they were uploaded and received 8 days prior to my foreclosure scheduled date of XXXX/XXXX/2016 they would postpone. 
I submitted 100 % of requested documents but after faxing them in on XXXX XXXX 2016, they stated they all documents requested were not received. The initial list of documents they requested on XXXX XXXX changed so when I recently called them the list of documents changed and stated the file was incomplete, I feel they purposely added more documents in their notes so that my file would be incomplete. 
I have requested a reinstatement quote over 30 days ago and have yet to receive it. Documents where faxed to Fax # XXXX In addition to this issue each time I am denied they fail to provide me with letters stating why and do not give me the opportunity to appeal their decision, when I do ask for copies of the letters they state they were mailed but yet I do not receive them.
I noticed this account on my credit report with XXXX XXXX XXXX XXXX. I have no idea what this is and how it ended up on my credit. I disputed this XXXX x to XXXX, XXXX, and XXXX. XXXX  verified that this was not my account and that the company did not respond in time and they deleted it from my report. Well XXXX and XXXX keep coming back saying it is verified because my name matches what the company has on their automatic report. This is not valid proof of the debt and is violating my rights to continue to have this on my credit report when it is not my account and is not being accurately verified.
I set up auto-debit for payment on my bifurcated student loans in XXXX 2017. When I checked back on my statements from the last two months, I saw that while the combined monthly minimum total from both loans of {$380.00} was still the amount I was charged, the allocation between the two loans was skewed to favor the lower interest loan. 

Under normal circumstances I am required to pay a monthly minimum of {$230.00} towards my 5.590 % fixed rate loan ( " Loan 1 '' ) and {$140.00} towards my 5.960 % fixed rate loan ( " Loan 2 '' ) for a combined total of {$380.00}. 

I am paid ahead approximately one year on Loan 2. Over the last two months, the allocation has put approximately {$50.00} of the allocation from Loan 2 into Loan 1 instead, i.e., MOHELA has been allocating ~ {$280.00} of my monthly minimum to Loan 1 and only ~ {$99.00} to Loan 2, eroding my paid-ahead status on Loan 2 and attempting to collect longer on the higher interest loan. 

I have called the company and they have promised to change my accounts, but my concern is that there are many people out there who would n't know to check the difference, or maybe they did n't borrow the money to get an accounting degree. In either case, I think it merits a look because I 'm sure there are others who have been impacted by similar practices.
I have 3 things on my credit report that I want to dispute. 

I have an account with XXXX, XXXX reporting that I owe the amount {$1200.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/XXXX 

I have an account with XXXX XXXX reporting that I owe {$220.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/XXXX 

I have an account with Discover Bank that shows that I owe the amount of {$750.00}. My credit report shows that I opened this account onXX/XX/XXXX. 

I will need written contracts with my signature showing that I agreed to open these 3 accounts and pay these fees.
Purchased a new XXXX from XXXX XXXX finance XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that XXXX was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since XXXX was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XXXX XXXX, XXXX. In XX/XX/XXXX XXXX started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. XXXX never reported those payments. I received my settlement in XX/XX/XXXX and XXXX accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.
New mortgage with Homebridge Financial ServicesXXXX XXXX NY NY XXXX phone XXXX ( put on hold for XXXX min and never talked with anyone ) paid XXXX XXXX payment with personal check, paid XXXX XXXX payment through virtual wallet, XXXX XXXX, it went through Paid XXXX XXXX through XXXX ... they never got or lost check. Waited til end of month to see if it would clear ... it did n't, so rewrote virtual wallet check out XXXX XXXX XXXX mortgage and XXXX XXXX, for XXXX mortgage ... they never got it. I have called and called and can not speak to a real person. I cant get on even to pay by phone I go on line and in order to make payment it says I have to fill out a 'hardship ' form? 
This is going to ruin our credit and I ; m trying to pay the mortgage. I emailed customer service and the man said we could set up auto pay ... great, I 'll do it ... cant get hold of anyone. 
WHen I do call them on the phone they say they are debt collectors???? we thought it was a mortgage company? 

Very frustrated and just want to make our payments on time ... please advise. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX I am hoping you can help us asap. thanks
I HAVE SUBMITTED TO XXXX XXXX XXXX MY HOME DEPOT CREDIT CARD DUE TO THE FACT THAT I AM IN A FINANCIAL HARDSHIP OVER TWO MONTHS AGO. CITIGROUP XXXX XXXX XXXX ) HAS CONTINOUSLY CALLED ME ABOUT MY HOME DEPOT ACCOUNT. I HAVE SPOKE TO CITIGROUP ON THE PHONE AT LEAST 4 TIMES THAT I HAVE XXXX XXXX XXXX AND THEY STILL CALL ME.
My ex-husband purchased a used XXXX XXXX and financed it through Ally Financial. For my ex-husband of 40 years to get the loan I needed to sign. On XXXX XXXX he took the car to NH and left me without a vehicle. He cancelled the insurance on the vehicle. The vehicle is not registered. I have called Ally numerous times only to be told that they do not care if the car is insured or registered. My ex-husband is making payments prior to the 90 day mark. Ally said if he made a payment every 89 days they were fine with that. My lawyer recommended that I get insurance on the car in my name. There is not an insurance company that will insure that car because it is not in my possession or in the state of Florida. But Ally has told me that if the car is in an accident I am responsible. There are 61 payments left on the car. If Ally allows him to make 4-5 payments a year it could take 12 years to pay the car off. I have asked if I could take possession of the car. The XXXX Police said I could not. I asked Ally if they could reposses the car and they said NO. I am XXXX, have no car but am responsible if the car he is driving is damaged per ALLY. Ally will not force him to get insurance or to register the car and will allow him to make 4-5 payments a year. Ally has been rude to me on the phone and continually tells me that I am responsible for damages to the car. My hands are tied and could be for 10-12 years per Ally. It is affecting my credit report and will continue to for up to 12 years. Ally is uncooperative and is allowing my ex-husband to not carry insurance, not register the car and not make timely payments WHICH AFFECTS ME!
This credit card, was fraudulently used on my behalf with in XXXX   XXXX, Co. I have never resided or was XXXX in XXXX XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. After my annual income tax wages were garnished to pay the delinquent amount. 
When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management. I sent a letter to XXXX XXXX XXXX  to have them investigate. They did not acknowledge my 3 attempts. I have written letter on the following days : XX/XX/2018, XX/XX/2018, XX/XX/2018. 

I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.
I reported a fraudulent debit on my Chase business account in XXXX, XXXX ; XXXX specifically. My debit card was charged {$8700.00} at a night club. I informed Chase Bank that I believed I had visited the club but I most certainly did not spend nor authorize almost {$9000.00} in charges. As a matter of fact, I was told that my card had been declined and my associate was made to go to an ATM and pull out the equivalent of {$600.00} USD to settle our tab ( which in itself was a blatant overcharge ). This was after the assailants charged several thousand dollars to each of our other cards stating that they were declined as well. In the shuffle of cards the card in question went missing. Doing some research after the fact I discovered ( and informed Chase Bank ) of a well documented scam listed in the XXXX XXXX XXXX travel warnings that matched our experience almost exactly. XXXX We informed all of our credit card companies about the unauthorized transactions and they quickly handled the matter. 

Chase bank has refused to credit the unauthorized charges back to my account stating that the charges were authorized because I provided the merchant with my card, even though I never signed for the transaction or the amount, and my card was stolen. If a well documented scam by a merchant who has previously been flagged for this is n't covered in fraud protection, then it is n't safe for anyone to use a credit or debit card.