WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo Bank kept charging late fees on car and personal loan. They actually and admitted to takingpayment in drive through window. Never applying payment ... found money order in draw six months later. They have also applied payments late that were received on time through mail. Never applied a cash payment made through window at XXXX New York Branch. Applied payments to wrong account. After this they repossessed car even though I tried to fix what had been done. Asked for loan modification for six months. Not sure if they set up phony accounts they will not help me.
Had to file for bankruptcy because of above. I kept trying to avoid late payments by direct mail or going through drive through it never seemed to work.
ITS SHOWS INFORMATION IN DIFFERENT CREDIT REPORTS THAT THE ACCOUNTS ARE CONSIDERED " INCLUDED WITH MY BANKRUPTCY '' DISPUTE ALTHOUGH IN OTHERS REPORTS ARE CONSIDERED AS " CHARGE OFF ''. I DO BELIEVE THAT THIS CHARGE OFF ACCOUNTS SHOULD HAVE BEEN INCLUDED WITH MY BANKRUPTCY.
My address is listed twice on my credit report and XXXX of them is incorrect by XXXX digit for an unknown reason. There is no dispute option with the credit reporting company for simply information appearing incorrectly. Please see the attachment of an image from my credit report where the information appears incorrectly. Due to not disclosing any personal information, I will not specify which of the addresses is the correct XXXX, yet. Please let me know how to proceed. Thank you.
I 'm filing this complaint because equifax has ignored my request to provide me with the documents that there company has on file that was used to verify the accounts I disputed. Be that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( a ) of the FCRA- they are required to '' ... promptly delete all information that can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. Thanks
I am a likely victim of the XXXX data breach. The XXXX site says my information " may '' have been compromised. 

Since this breach, I have been trying to place a credit freeze with the three major companies. I was able to do this easily with XXXX and XXXX without any problems. With Transunion, I have been unable to place a freeze after numerous attempts by various mechanisms. 

First I tried online and got an error message that said " We are unable to complete your request. What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. What to do : Please contact us at XXXX XXXX XXXX XXXX to initiate your security freeze transaction by phone. '' Next I called the number above and provided the requested identification information to the automated system. I got an error message saying that my request could not be processed, so I would be transferred to an agent. 

No transfer occurred. I heard a beeping signal and then Transunion hung up on me rather than letting me wait to speak to an agent, or leave any information for an agent to call me back. 

I have tried all of this multiple times. 

I looked on Transunion 's Contact page. No numbers were listed for credit freezes other than the one that did n't work. 

This is completely unacceptable. Transunion must provide a working mechanism ASAP for me and all other customers whose data they hold to initiate a credit freeze.
I received an alert on XXXX/XXXX/XXXX that there were missed payments being reported to XXXX relative to SPS Mortgage loan. Please note, the account was incorrectly reported as 150 days late to XXXX as of XXXX. I submitted an online dispute through XXXX on XXXX/XXXX/XXXX as SPS took over servicing of the account effective XXXX/XXXX/XXXX ; therefore, account could not be 150 days reported late if they only serviced the account for 60 days. XXXX dispute results received today, XXXX/XXXX/XXXX and SPS did not update their reporting information to reflect the accurate number of late payments. 

Further the account was previously serviced by XXXX. XXXX XXXX already filed record of 60 and 90 days late through credit bureaus. SPS Servicing is double dipping on the late payments recorded I believe as a result of my separate complaint filed with CFPB for the intentional mishandling and delay of my loan modification. I am respectfully requesting they remove these incorrectly late payments and update to match the time they have serviced the account XXXX/XXXX/XXXX. If they had not mishandled and intentionally caused a delay in my file handling - I would not be going through this long standing impact to credit file. Please note my first loan with XXXX Mortgage was modified back in XXXX within 60 days based upon the same information submitted to XXXX and subsequently SPS.
My mother received a call from Western Portfolio Asset which she forward to me. When I spoke to them, they demanded payment from me for a debt that I owed on a credit card many years ago. They told me I would be sued and that a law enforcement personnel would be sent to my home to issue a judgement against me. I was scared so I gave them my info and signed a document including my debt info to make the first payment. It was not until later did I realize I was scammed. The person I spoke to would not allow me to settle my debt or offer other payment methods. I was not able to speak to anyone else regarding my debt except this XXXX individual and after multiple requests did he send me a receipt for the first payment I made and the paperwork with info from the law office that supposedly bought the debt. My credit history did not match up with the debt they were seeking. I looked up more info about the company found out about their illegal debt collecting practices and scams against consumers.
in 2000 I was approached by student loan officials at the University XXXX at XXXX Maryland where my son was attending at that time. I was was told this was a " parent plus loan '' that it was for the student in their name but that the parents were simply cosigners. that was the exact terms used. now these NASTY collection companies are calling me and sending these nasty letters to me. the original loan was for something like {$3500.00} now this collection is sending threatening letters to me telling me they will garnishment my wages for the now amount of {$7500.00}. this was NEVER understood to be my loan. 
I have not talked to my son in over 7 years and I do not even know where he lives or works..
Ditech is refusing to review my modification packet. I summited twice and the first copy never maded they kept advising me to please wait a couple of day more until more documents get uploaded. Therefore I was forced to re-apply once again for a modification review. This is very upsetting because my house sales on XXXX/XXXX/2016. I have tried to work directly with Ditech however I feel they are just prolonging my case so my home can foreclose. I am in desperate need of assistance.
On XX/XX/18 XXXX XXXX left a threatening voice mail on my cell phone. They told me I was going to be served court papers at my place of work for an old debt. I called there and they offered me a payment plan. What concerns me is the fact that they have my Social Security number. This is a very old debt and I'm sure past the legal limit to collect.
l relocated to another state, found out my bank did not have any branch in the area. l called my bank to close the account, they told me l need to come to the branch to close the account which l did. the cashier closed my account, gave me my money, he told me this is the money l have. he did not explain to me he gave me # XXXX dollars from the line of credit to borrow of which l could have not accepted that. he gave me a wrong information saying this is all my money l have in the bank. now the bank is teling me i need to pay the money with interest. if l have borrowed the money, l should have talk to them on how to pay the money back. since l was informed wrongly, which was not my fault, l should not be charged for the interest.
I was an account holder at Wells Fargo Bank, I had numerous of unauthorized charges on my account. I contacted Wells Fargo and informed them on the charges that where put on my account. I sent them a police report and as well, next thing I know they froze my account until further notice and then I was told that my account was being closed, because of a business decision. I called corporate and the fraud department and they wouldnt let me talk to anybody but one specific department that told me that they didnt know why my account was closed, but it was a business decision. I never had a problem with Wells Fargo until I reported that thousands where taken out of my account without my consent. They held the money that I did have in my account for two weeks and I practically begged them to release my money because I had to pay for school and my daughters tutition. They only gave me half of my money and then released the rest later, and stated that if any other charges occur I will be charged for it. And if anything was left over they would send it to me in a check.
I previously contacted your agency regarding this debt trying to be collected regarding Clark County Collections, your company was able to get this agency to send the signed consent of authorization which thank you as this is dated back in XXXX which is even past the allowed time for this agency to report on my credit file. It has been XXXX years. I am requesting this agency to remove as they are violating my rights per the FCRA only allows data to report for XXXX years only. Please help as the credit agencies and Clark County are not following the law.
On XX/XX/2018 I sent Best Buy/CBNA a letter disputing the account they are reporting on my credit report as charged off in the amount of {$5000.00} ( while the credit limit for this supposed account was only {$3600.00} ). It was delivered certified mail and signed for at the address listed on my credit report on XX/XX/2018. A few weeks later I received a letter from CBNA dated XX/XX/2018 stating that they were no longer attempting to collect the remaining balance on this account signed by a Mr. XXXX, listed as Vice President of CBNA. It is now XX/XX/2018 and the credit report I just received yesterday, XX/XX/2018, still contains CBNA inaccurately listing that account in collections/charged off in the same amount of {$5000.00}. On top of not removing the account from my credit report as said in a letter from them, they also have not marked the account as disputed on my credit report as required by the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). Throughout this entire process I have retained copies of the signed, certified mail letters delivered to the company as well as time-stamped copies of my credit reports to verify they did not mark the account as disputed in the required 30-day timeframe.
Bank of America has continually made knowingly false representations on a mortgage or Deed of Trust to me, to the public at large in general, and to bona fide purchases ( DFPs ) in specific. 

Bank of America 's representations to me made through their legal counsel on XX/XX/XXXX, indicates an awareness this account has been modified under a Making Home Affordable ( MHA ) program XX/XX/XXXX, specifically the Home Affordable Modification Program ( HAMP ) and was amended XX/XX/XXXX to include a principal forgiveness amount. This amount has been represented to me as a new and separate HAMP modification and has not been included in the stated principal balance due at the time of loan transfer or sale on XX/XX/XXXX. 

According to MHA HAMP guidelines, all amounts forgiven are to be paid back if the property is sold. Bank of America and their representatives may not claim ignorance to HAMP guidelines as they are required by law to be knowledgeable of all the rules of all the modification programs offered by Bank of America. When Bank of America fails to return MHA funds upon sale they are guilty of Welfare Fraud, fraud on a mortgage or Deed of Trust, and real estate fraud. 

Just to be clear, I have had only one MHA HAMP modification finalized, as amended. However, I have been approved for MHA HAMP three times over. 

All previously mentioned resolutions are desired and mandatory.
I contacted BOA on XX/XX/2015 @ XXXX to report a fraudulent transaction on my BOA MasterCard. I 1st spoke to XXXX in customer service who found the charge in question and transferred me to the fraud dept. where I spoke with XXXX who said he could not see the charge in question and after a ten minute hold gave me the direct fraud # of XXXX and transferred me back to customer service. I then spoke to XXXX who again, found the charge immediately and transferred me back to the fraud dept. I spoke to XXXX there who also saw the charge but tried to say she would file a dispute and let me know something within 90 days ' I explained again that this was an unrecognized and unauthorized charge and I was reporting fraud, not a dispute, she put me on hold for 15 minutes, came back on the line to say she was still checking something and put me on hold for another 15 minutes. After I explained that I was on my lunch hour and been on the phone for nearly an hour I simply told her that I would let the CFPB handle the matter for me. She finally said my account would be credited and a new card issued within 5-7 days, I requested my new card be overnighted and she said fine she would do that. The basis for my complaint is that the XXXX people I spoke to in fraud dept. were extremely rude and unhelpful until I threatened to complain to the CFPB, why after being a customer of BOA for 20+ years should I have to be lied to, badgered and put on interminable holds just to finally have BOA follow the law. It bothers me greatly that these agents are allowed to use only first names and not provide an i.d . # or some other sort of identifier. It seems they hide behind this anonymity and use it as a device to be rude to customers. I am writing this complaint because at this juncture, due to how I was lied to and treated by these BOA employee 's, I have my doubts if they will actually follow through on my claim. I do n't understand, are these people paid a " bonus '' for not returning fraudulent charges to customers? They certainly act as though the refund is coming from their own paycheck by being so rude and uncooperative. As soon as my credit is issued I will be certainly changing banks.
I was sent an unsolicited credit card from XXXX XXXX XXXX XX/XX/XXXX. Shortly after, I was laid off from my job due to the economy and was unable to find a job for over a year so I used the card for gas & food during that time. I soon fell behind in the payments and most of the card debt was late payments and penalties. Unfortunately I had moved and I forgot about it when I started working again. CACH LLC bought the debt years later and sued me. I tried to explain my circumstances, that I was in school and did not make very much money and that I owned nothing. I 'm still driving the XXXX Impala that mother bought me when I was in high school. They refused to listen and threatened & intimidated me into signing an agreement to pay {$75.00} a month which I knew I could n't afford, but I had never had any dealings with the law so I was scared and thought I had to sign it. When I could n't pay it, they sued me. I know I have to pay it and I have been sending them {$25.00} a month but I lost my lease and had to move so I was unemployed again in XX/XX/XXXX XXXX. I worked odd, temporary jobs during that time and finally found another full time job in XX/XX/XXXX XXXX but I only make {$11.00} an hour and have been struggling to survive and catch up on my rent since then,. But I started paying the {$25.00} a month again then. But in XX/XX/XXXX, CACH froze my bank account and took my last {$190.00} out which meant I had no money for food and gas for over a week. When I read up on Florida Garnishment Rules, I saw that they are not supposed to be able to garnish a person 's salary if they make below a certain level and that includes their bank account if it can be proved that the money was income. The only money going into my bank account was my salary. I have tried to talk to them several times and even had my mother call them because I 'm not very informed about these matters, but they only say they are trying to collect a debt for their customer and wo n't agree to a lessor payment. It is not for a lot of money, only about {$2500.00} but I do n't have it and neither does my mother. She lost our house to XXXX XXXX XXXX in XX/XX/XXXX and we have both been trying to recover since then. We ca n't even afford a lawyer to fight them and feel like we are victims of the law and have no recourse against this unscrupulous company. We will pay the debt but we need time. I have told them that as soon as I can pay more I will increase the amount. But I need enough money for rent, food and gas so i can work and i do n't make much more than that. I would like to pay it in full now but there is no way i can do so. ( My Mother is writing this for me as I 'm not knowledgeable about these things ).
I applied a mortgage from Wells Forgo in XXXX 2015. It has been a painful two months until I finally got the approval, as they asked excessive documents. Most of them were either trivial or irrelevant, as I have a perfect risk profile, with XXXX FICO, an income more than XXXX times of the monthly mortgage payment, no other debt, and was willing to pay more than 30 % as down payment. I complained to the loan officer several times, and each time WF cameback to ask for more unnecessary documents. Those included : my paystubs from XXXX years ago, all my bank and investment account statements back from 6 months ago ( totally more than XXXX of them ), explanation on every {$1000.00} dollar transfer between my bank accounts, and most ridiculously, proof of residence for some place I lived more than 15 years ago. I have also been asked for my intention for every my credit bureau inquiry in the past year. Overall, it seemed that they were conducting a criminal investigation instead of underwriting a loan. However, it became evident that they never looked at all the documents, as they had asked for some of them repeatedly, sometimes XXXX times during the process. 

Overall I have submitted more than XXXX pieces of documents and it cost me dozens of hours to prepare them. I am relatively financial savvy and very careful about documentation, and even so, the process took almost XXXX months and we nearly missed the closing date. During the XXXX months I have repeatedly asked to talk to the underwriter for her rationale to ask for so much documentation, but never got a response other than more requests. 

In my opinion, whether intentional from Wells Fargo or not, this cumbersome underwriting process has created a barrier for applicants with good risk profile to qualify for mortgages. It will be up to CPFB to decide, whether this practice is across the board, or only targets minority customers like myself. 

I have filed a complaint directly with Wells Fargo, but only received a plain vanilla response letter saying they have done nothing wrong. This was totally unsatisfactory and therefore I am filing this complaint to CFPB.
I have filed disputes with all three credit agencies to have this tax lien removed from my public records. They all responded and said that it was updated to satisfied but will continue to remain on my credit report. I have the expungement letter. According to my research when I have this letter it is supposed to be removed COMPLETELY.
This debt was from medical bills that should have been covered by my insurance. I advised XXXX of this with each billing.
The collection company is continually calling my home for a debt that belongs to my son after I informed them that my son died this year XXXX/XXXX/XXXX. My son was only XXXX in XXXX when he passed away suddenly. He had just turned XXXX in XXXX of XXXX. What type of contract could they have with a minor child that allows them to call my house when my son died before he became an adult? They told me I have to send them a death certificate before they will stop calling my phone. My son does n't live anymore.
I have sent police reports and identity theft affadavit to equifax due to severe identity theft and fraud of my personal information. Equifax has a identity theft flag on my account, despite that they have continued to allow multiple inquiries and possible new accounts on my credit. Since XXXX of this year there have been well over 15 in a 4 day time period. When they were informed of the identity theft they had me take numerous steps to have my personal information saved and my credit information file fixed, they said that by completed all the steps ( police reports, affadavits, letters ) that they would place a fraud alert on my file and I would not have to worry about this type of activity. However this is not the case. There continues to be fraudulent activity with no safeguards for me, the consumer. 

These are the inquiries that were placed on my credit file Credit Unions XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXXXXXX XXXX XXXX  Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
this debt was included in a chapter XXXX BK case # XXXX and this matter has already been addressed previously with the CFPB. this debt has been re-opened as a delinquent account and collection practices have assumed since the discharge of my BK. as a consumer I am protected and the debt has been discharged.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX- XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX