WillisBack/dataset-financial-user-claim huggingface dataset:
in hopes this claim and its facts are not overlooked, on or around XX/XX/XXXX WELLS FARGO did allow my sister to join my account to hers without my knowledge nor ssa XXXX. on or around XX/XX/XXXX i called the excutive of accounts at wells fargo, after giving her my information she then researched and told me that the account ending in XXXX and ending inXXXX my sister XXXX XXXX had joined her account to mine, and it was put in the way that i was her beneficirary, infact my account was for me a beneficrary of ssa XXXX, and i changed payess on XX/XX/XXXX she i was told closed the account and the money was hers. now according to ssa the account always was and until now is my direct deposit acount, i was given a routing number for direct deposit XXXX, and even the treasury department can verify that, it is not a regular routing number as its claimed to be by XXXX XXXX. thus when she closed the joined account the lady told me that was it, that was XXXX money. and i needed to talk to her or ssa. i cant talk to my sister, and reported her for taking my money as well as wells fargo for allowing this to happen without my consent. as i am cometent and can sign my name, nor have i any guardian as thier new by laws stipulate that is the only way it can be done. 
i lost according to ssa which my later uploads will prove over 60,0004 that since XX/XX/XXXX wasnt even able to see on my account ending in XXXX and also i do not know how i got so many accounts, this violates my rights and the law as well. i was very amazed that wells fargo has tried to denie with white copies that these accounts dont or did exist, then show the transfers between said accounts. nor would ccf over look this, now today i will upload pdfs downloaded by fargo, and they will have the certifacions on them. i do not alledge or claim, i state these facts are real and authentic, and be aware i have filed claims with all oigs involved. it amazed me that such an esteemed finacial instution used such weak tatics, and also that ccf over looked my evidence., so if you look at each file i uploaded you will see that i speak the truth, and there has been an injustice done. but if you dont and just forward to the bank and let them decide, thats a violation of your own code of conduct.added note there are three ssi payments i cant find that was paid in XX/XX/XXXX, and none but XXXX dolaars i saw on my accounts, ssa crime and fugitive divison is looking into this matter as well
I need to get a secure alert apparently somebody opened a account on my name that I did n't open on XXXX XXXX
Disputed with all XXXX bureaus in reference to several accounts. XXXX student loans showing late payments and XXXX collection accounts. All XXXX bureaus repeatedly show different information. Requested information directly from the creditors and nothing received it 's been well over 2 months. If the companies are not responding to me directly then they would not respond to a 3rd party.
I see that Equifax credit Bureau filed a civil Judgement Case/Docket # XXXXon my credit file which this account was paid in full on XX/XX/2016 I have a proof of my breakdown rent report that shows it was paid in full satisfied and because of this Equifax has ruin my credit without no reason
XX/XX/XXXX date of loan, amount was {$8300.00}, XXXX  XXXX, CA location sold a vehicle to me that was rusted underneath, I reported to them multiple problems such as passenger door opening up while car in motion. XXXX  repossessed the vehicle from my residence, and when I spoke to XXXX my account manager, he explained there was " nothing more for me to worry about, '' but on my credit report it states, " legally paid in full for less than the full balance ''! This is causing my current credit report to have a " potentially negative '' mark on it. I need them to remove this so I can apply and retain a apartment. I am presently living in my car. I suffered a small XXXX in XX/XX/XXXX and I need to be able to use my name to get the apartment.
TransUnion and XXXX are still charging money for credit freezes and thaws. After the XXXX break, the XXXX breach, and the XXXX breach, this is unconscionable. 

CFPB should pressure all of the credit reporting agencies to offer freeze/thaw protection gratis.
In XX/XX/XXXX, I sent money from XXXX to XXXX via Western Union, while I could n't receive the money. They offered me quite a lot of solutions, which were totally useless actually. They also asked me to provide my personal information, such as my passport, my driver 's license and the address. They promised me that I would receive a refund check with Fedex tracking number, which never happened. The last email I received from them was on XX/XX/XXXX, which asked me to wait with patience and I have been waiting for a whole semester. Today after I finished my final exam and tracked this transfer on their website. I was shocked by the word " We could not find any records that match the information you provided. Please try again. '' It is my first year that I came to XXXX from XXXX. I have not idea if it is kind of fraud. 
BTW just in case there is confusion, this transfer was sent from the online bank of my account in XXXX to myself in XXXX.
ON XX/XX/XXXX AND ON XX/XX/XXXX I WAS DENIED I APPLIED FOR A MODIFICATION TO SAVE MY HOME DUE UNSTABLE, UNCONTROLLED SITUATIONS IN THE PAST HOSPITALIZED WITH XXXX XXXX XXXX XXXX, LOSS MY BUSINESS, AND nOW THAT IM IN A MORE STABL E SITUATION FINANCIALLY AND CAN AFFORD TO MAKE PAYMENTS BUT CANT AFFORD THE REARS TO BE PAYED IN FULL FOR REINSTATEMENT. I HAVE BEEN DENIED ALL MODIFICATION PROGREMS. I CAN AFFORD TO MAKE REGULAR PAYMENTS, JUST CANT AFFORD TO BRING ACCOUNT CURRENT I NEED THE PAST DUE TO BE PUT IN THE REARS.
I became friends with a gentlemen I met on XXXX, who explained he was a XXXX over in XXXX XXXX. After we had talked for a couple of weeks he asked if I would help bring him home early for the holiday ( XXXX ). I asked why his family was n't helping him, and he said that his father had died in service and his mother recently in a car accident. I felt really bad, so I asked what I could do to help. I told me that he needed to transfer {$3000.00} into my bank account so that I could then send it to his agent in Texas. She would then send him his ticket home. I know nothing about the military, but have always wanted to help in some way. I felt I was helping this man ( he went by the name XXXX XXXX ) get home and out of harms way. So he then, asked for all my bank info and assured me that it was his money going in there for his ticket home, and all I had to do was wire the money to his agent in texas. He even sent me a picture afterror the {$3000.00} was transferred into my account. The next day I wired {$1500.00} ( with transfer fees it came out to a total of {$1600.00} ). That was the max amount, because then my bank account was frozen. After the money was sent XXXX XXXX stopped talking to me. When my friend looked him up on XXXX, he had several new accounts. I sent an alert to XXXX that the accounts were fake, and they were then taken down. Days later the scammer was back up on XXXX and you can find him there today. The next day I received a call from the fraud department from my bank telling me that my bank account was drained. I went into my local branch, unfortunately the man I had never dealt with fraud before, and was confusing me. After I explained the situation to the bank, I then went and filed a police report as well, like the bank requested. I was told that my bank account would only be frozen for 10 days. Then First National Bank increased it to XXXX. ChecKS bounced, I could n't cash checks, and now they are telling me I have to pay all this money back! 
I was scammed, I do n't even make that much money in a month! I thought I was trying to help someone, and now I 'm the one paying for it. That is not right.
I fell behind in my Mortgage XXXX of XXXX, I was put on a Repayment plan with Bay View Loan Servicing, I ended up making multiple payments, My balance for XXXX ended up being {$4.00}, XXXX so I mistakenly made XXXX payments in the month of XXXX XXXX payment was for $ XXXX XXXX XXXX at this point my balance was {$4400.00} so I made Additional payments on XXXX XXXX {$2000.00} and XXXX XXXX {$890.00} I was told be Representatives at Bayview loan Servicing that I was fully paid through XX/XX/XXXX.I then receive a Statement for XXXX XXXX stating I owed for XXXX {$2.00}, XXXX What is so confusing I begin to receive calls from People saying they wanted more money than once I called Bayview a man by the name of XXXX said do n't worry trust his words I am paid through XXXX. On XXXX XXXX XXXX I called to inquiry about this additional payment for XXXX another Representative stated that I still owe for XXXX at this point I am Stressed completely out of my mind, I begin receiving letters from Bayview loab Servicing with no name on the letter trying to Threaten me and Exstrot more money out of me, I could n't believe what was happening, I also noticed that my XXXX statement did not have the additional XXXX payments that I had over paid Bayview leaving Bayview to owe me $ XXXX I am warning everyone who deals with these people to read carefully and Demand statements from Bayview and other Companies that Claim to be helping you make home Affordable act. They could be ripping you off!
In the beginning of 2016 my escrow balance was up, I was out of the country and did n't receive notification then in XXXX I did pay at time, the same amount of money of every month, in XXXX I received a statement that my payment was n't applied and my fee for late payment was {$190.00} This is a predatory and unjust way to make business and going against the consumer.
there is a medical bill on my XXXX credit reporting from XX/2012 a medical bill from XXXX XXXX  XXXX. I filed chp XXXX on bankruptcy and this debt was included in that bankruptcy. direct management is still trying to collect money from me for this debt but yet it has been validated and confirmed that this debt was included in the bankruptcy.
My car payments have always been made on time until this month when we fell on hard times. Although my payment was due on the XXXX of XXXX we have a 10 day grace period. On the XXXX of XXXX Credit Acceptance started calling me at work up to 5 times in an 8 hour period after being told not to contact me at work, they could reach me after XXXX at home. To make matters worse they were doing the same to my mother at work since she was my co-signer. I submitted partial payment today via online payment center and also an e-mail explaining that I would pay the remainder next week and they are calling again, I have received 2 phone calls already this morning and my mother has had 3 and it is n't even XXXX yet.
I ca n't pay my loan. I am unemployed. Navigate just wants me to pay for forbearance everytime instead or lowering my payments.
Ive been in school at XXXX University for sometime now and Ive accrued about 20 different loans from this school with XXXX XXXX XXXX. I was out of school for some time due to hardships where I lost my job and was unable to make the monthly payments of {$500.00} per month to continue to attend school. While I was out my 20 loans all reported something negative on my credit report ranging from the months of XXXX-XX/XX/XXXX. I spoke with Nelnet and advised them of my hardship and asking as a Goodwill will they remove the late payments attached to my credit reports. I am currently back in school and on track to graduate in XX/XX/XXXX. The student loans have negatively impacted my credit reports. Please help.
In the last few months ive reviewed my credit reports from all three major credit bearues and discovered multiple adverse/erroneous accounts on all three reports.ive disputed all accounts recently and the CRA 'S are some how verifying accounts in a matter of days. ( impossible ) The CRA 's are not properly doing a investigation in this matter.All of the errouneous/adverse accounts are missing information/incomplete/no payment history.Transunion, XXXX, XXXX, are in violation of the FCRA section 611 as well as section 609.Ive requested documentation on all accounts with no response, only saying its verified.Ive also contacted every creditor involved, and was told CRA 's have not communicated with them. ( wow ) I will continue to dispute until the accounts are removed from my credit files if not, I will take other action pertaining to these issues.I demand the following accounts be removed : transunion-account resolution ( closed ) $ XXXX/XXXX XXXX XXXX  XXXX/XXXX XXXX $ XXXX.XXXX-account resolution $ XXXX/XXXX XXXX XXXX $ XXXX.XXXX-XXXX XXXX XXXX  $ XXXX/XXXX XXXX XXXX- $ XXXX/XXXX XXXX XXXX/XXXX- {$560.00} .
TransUnion has allowed XXXX XXXX to access my credit app and they were not authorized. They tell the people I apply with Im deceased but put inquiries on my report from people who wouldnt be touching it.
Refinanced my loans through XXXX. XXXX sent checks out to all parties including discover. Discover received the check and cashed it but no credit was made to my account. An image of the check was sent to discover and still no answer as to where the XXXX went.
I believe that my loan servicer ( currently XXXX, previously XXXX and its predeccessor ) was negligent in informing me of details of the Public Servant Loan Forgiveness program ( PSLF ). When I initially joined the program, I believed that all my loans had been consolidated ( a requirement of PSLF eligibility ). I found out months later that the large majority of my federal loans ( about {$30000.00} out of about {$50000.00} ) were not consolidated, and I do not know why. I consolidated them last summer, but that {$30000.00} will not be eligible for forgiveness until XXXX XXXX, while the loans I first consolidated will be eligible in XXXX XXXX. Im now stuck making payments for more than a year and a half longer than I ought to be. My total loan balance ( federal and private ) is roughly {$100000.00}, so this is no small matter. On top of that, I believe that the servicer should have been more proactive about informing borrowers of the PSLF. I have been with the same PSLF-eligible employer since XXXX, but I did not become aware of the program until XXXX. I could be less than five years away from having my federal loans forgiven ; instead, the majority will not be forgiven for more than eight years.
I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen, including my passport and driver 's license. Several accounts were opened in my name after the theft. I filed a police report and have attached a copy of the police report and a copy of my passport to this dispute. 

Three accounts remain on my credit report from this identity theft even after disputing them and receiving notification from the creditors that they would be deleted. 

XXXX XXXX XXXX CC # XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX   this negative account that was opened due to identity theft remains on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX   this negative account that was opened due to identity theft remains on my credit report. 

XXXX/XXXX XXXX XXXX # XXXX This debt collector informed me via the CFPB that they were sending a deletion request to the three credit bureaus asking for this to be deleted from my credit file. It still remains on at least one of the three reporting agencies. 

The following inquiries are showing on my credit report and were authorized without my knowledge or consent and are a result of identity theft : XXXX XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX
ALLY BANK BOUGHT A ILLEGAL CAR CONTRACT WITH A FRAUD AUTO DEALER IN NJ,THE DEALER COMMITTING ILLEGAL HARD INQUIRIES ON MY XXXX XXXX, EXPERTS IN THE NJ STATE ATTORNEYS OFFICE, HAS BEEN PROFESSIONALLY INVOLVED IN THE INVESTIGATION OF SELLING A USED XXXX, 2007'
THE XXXX, NJ XXXX DEALER HAD THE  AUTO TOWED TOO A JUNK YARD.
THE CAR WAS IN A ACCIDENT,UNDISCLOSED BY DEALER WITHOUT DISCLOSURES, THE DEALER ALSO CHARGED MY CREDIT CARD,$XXXX'I  I'M ON A NEW LEASE WITH XXXX,
THE BANK ALLY WAS TOLD BY ME, THAT I DON'T HAVE A CONTRACT WITH ALLY AUTO FINANCE DEPARTMENT.
I'VE HAD MAJOR PROBLEMS WITH ALLY BANK, THEY PAID THE DEALER FOR THIS CAR, EVEN THOUGH THEY WERE NOTIFIED BY ME,THE STATE ATTORNEYS OFFICE,CONSUMER AFFAIRS OFFICE
I'VE BEEN PROFESSIONALLY INVOLVED IN THE ILLEGAL USAGE OF MY CREDIT REPORTS
THERE ARE THREE MONTHS OF INVESTIGATION BY ME AN THE STATE ATTORNEYS OFFICE,CONSUMER AFFAIRS OFFICE INVESTIGATION DIIVISION,,MOTOR VEHICLE COMMISSION OF NEW JERSEY
CONTACT ME ASAP TOO DISCUSS THIS CAR DEALER BANK,,ALLY FINANCIAL DIVISION.
MY PRIVATE INFORMATION IS AVAILABLE ON MY EMAIL ACCOUNT OR CONTACT ME AT XXXX. ASAP
THANKS
XXXX
.
Company is reporting to XXXX and XXXX but has failed to produce accurate and complete information regarding debt. For example the bills of XXXX different patients were combined on XXXX statement but there are no signed patient responsibility forms for XXXX of the XXXX patients. Also there is no indication which patient 's bills were credited with payments and insurance reimbursements and therefore it is impossible to determine whether I am responsible for any of the bills presented. Attempts to get more info from company by phone is met with hostility and a demand for payment
They continue to double charge me, and every month I have to go in and get it fixed. The manager is completely rude and unprofessional. It feels like they are trying to cheat me by sneaking in extra payments that I do n't owe.
I 've been paying a debt since XX/XX/XXXX in which FCo financial has given me. The debt total was {$1900.00}. I have payed {$1400.00} towards this debt. I 'm filing a complaint of harassment because they have called me after hours to retrieve this debt. On Wednesday, XX/XX/XXXX, I received a call from FCO XXXX at XXXX Eastern Standard Time to collect the remaining balance of this debt.
Washington Mutual credit card agreement Ceased operations XXXX 2008, being sued for old debt
Wells Fargo Bank is where I have my loan thru and after a yr I traded in my XXXX XXXX Colorado and got a XXXX XXXX XXXX XXXX XXXX. In the trade I lost all of my payments I had made for the Colorado and wells Fargo also tacked on an additional XXXX saying I was in negative equity. They would n't give me a warranty on the XXXX or anything to soften the blow and since I needed a larger truck to accommodate my XXXX step children I agreed to the terms and even though my payments were XXXX dollars cheaper I still felt that I had been taken for a ride. Well after a yr of paying on the XXXX I wanted to get refinanced so I could make cheaper payments since my step son was very ill and had to be placed in a children 's hospital. Wells Fargo told me that the rules of refinancing was that the vehicle could not be more than 8 yrs old and not have more than XXXX miles even though I bought it with it being both over the age limit and over the miles limit. With my checks being smaller than they were I found it very difficult to come up with the monthly installments and they would n't work with me but said they would take a payment and tack it to the end of the loan. Also the initial amount owed from the loan was XXXX and after a yr of paying XXXX a month the loan balance was still at XXXX and something. I do n't know how to send the copy of my loan to you but can thru my XXXX I provided. Please RSVP as soon as you can because my loan has become a lot more difficult to maintain. Thank you for your time.
My Hyundai lease expired XX/XX/18 and I bought the car at the end of the lease. Hyundai charged me a {$400.00} disposition fee when I purchased the car but told me they would refund it and to expect a check in the mail. I did receive the check in the mail for a refund of the {$400.00}. Shortly after I received an invoice for {$400.00} from Hyundai for a disposition fee. I called them to tell them to clear it up and they told me they had no way of communicating with the Hyundai dealership to verify that I purchased the car. I told them that this was a customer service fail and they needed to fix it on their end and they refused. I also now realized that I am being charged interest on the {$400.00} since they rolled it into the new loan for the purchase. I am sure most people just pay the fee again and don't question it. This is a fee that I have paid once, have had refunded to me, and is now trying to be collected again. Do not just pay this without questioning it.
I am a twin and my twins car loan is on my account the company is Wells Fargo Dealer Services it was opened XXXX 2017 for XXXX.
Chase Mortgage reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/XXXX.
I have an outstanding balance of approximately {$1000.00} XXXX. I committed to pay for it. I am currently jobless and it's hard to pay the smallest amount. I call this company to let them know and they are bashing my process. They tell me getting a debt consolidation is a bad idea. They also say I have funds that I'm not releasing. They said I didn't intent on paying the account off. They also involved my wife saying her being in the military in debt is a bad look. There's much more. The line was recorded on both ends. I felt very harrassed and so did my wife as she was there listening with me. I have never been been this disrespected by a debt collector.
Hi, I paid off my student loans, due to this my credit score dropped 56 points - this has drastically hurt my chances of getting a loan and buying a home. This should not have happened. I am being punished for paying off debt.
Hi my name is XXXX XXXX XXXX, I am having communication problems with Experian Credit Bureau, they are failing to get back to me and my written disputes and remove XXXX collection accounts from my credit. I have XXXX accounts that appear from the same company and I have reached out to them as well. 
Experian is the only bureau reporting the information. I also have brought to their attention they have wrong names on my credit as well as addresses and employment information. It has been 3 months and the information or the accounts have not been deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX accounts
The company refuses to talk to me when I have another party on the line. Additionally, the debt is not my responsibility. I was a medical student at the time I was exposed to blood. I used to appropriate avenues and the hospital and the school is responsible for any debt that my insurance does n't cover. They contacted me about this debt the first time through a collections notice they sent to the wrong address. It says in the XXXX XXXX XXXX that I am not responsible for the debt as a student and should have never been billed, since I got exposed while working at XXXX. This debt agency has hung up on me several times when I tried to call with representation. No one contacted me before this debt was sent to the collector and they collector refuses to acknowledge it is not my debt/I am not responsible. XXXX XXXX 's knows this.
I have filed multiple disputes against unauthorized inquires, and a fraudulent report. Equifax is the only bureau that will not remove them. They said in their investigations they find them to be correct. Even with my court documents on the report, and my stating I did not authorize inquires, because I did NOT authorize them. They were sold from a third party, which I did not agree to. My signature authorizing them is not on anything and equifax can not produce them. 
One rep told me they do n't remove them regardless and they will remain on my report because that is not something they do. Even though the FDCPA states they are to remove them