WillisBack/dataset-financial-user-claim huggingface dataset:
Good afternoon, Hoping you can help- I have listed on my credit reports a balance from a credit card that is not mine, it belongs to my mother. When I was started college in XX/XX/XXXX she had given my a card from her account in my name ( as an additional card holder ) for emergencies. She did not know this had turned up on my credit until I had tried to sign for up for a lease after I left my dorm room this past year. 

She has tried several times having this removed from the company to no avail-last conversation in XX/XX/XXXX, which she has an email confirmation of if needed. The credit card company has since sold off this debt to another company ( letter received XX/XX/XXXX ) but now both have said they can't do anything about it. My mother also has an attorney that said it shouldn't be on there. She was able to have one of them removed but the other is still showing up. 

Original company was called : XXXX XXXX  ( XXXX Credit Card ) XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Showing up as on my reports as XXXX = {$7200.00} which was sold to XXXX   XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX She has tried all avenues and haven't been able to have this corrected. I'm asking if you could please assist in this matter. I will be turning XXXX in XX/XX/XXXX and my mother and I don't want to start off with this incorrect information. 

Thank you-XXXX
I went into a Chase branch on  X/XX/17    to open a checking and savings account because I kept receiving promotions for {$500.00} bonus for opening both and fulfilling various requirements including keeping a balance of {$15000.00} in the savings. After opening both, I logged in online and linked my external account which contained the $  XXXX . The transfer tool only allowed to transfer a max of $  XXXX  so I did and then initiated a second transfer of $  XXXX  in order to fulfill the promo requirement.  <P/> Later that day when I went to log in again, I received an error stating my account was locked and giving me a number to call. I called and spoke to a very rude woman in the Loss  Prevention d epartment who informed me that my accounts were closed, my transfers cancelled and my balance of {$25.00} would be mailed to me. I asked why and she informed me that I was not allowed to know and n o Chase  employee would ever tell me. Over a week later I received  two let ters in the mail indicating that my transfers were flagged as fraudulent.  <P/> If  Chase  had made even the slightest attempt to contact me, then I could have easily identified the transfers as legitimate ( and in fact required based o n Chase 's  own requirements  ). Instea d my accounts were forcibly closed less than  8 h ours after I opened them, despite having over 10 years of history as a  Chase cu stomer.  <P/> Now, I have been told I am banned for life from using any Chase banking accounts ( my Chase credit cards are unaffected ) and I have been denied the opportunity to earn the stated {$500.00} bonus ( for which I continue to receive offers fr om Chase ).
I am trying to refinance my home, I have an ARM and I am concerned with rising interest rates that I will not be able to pay my mortgage. There are some old disputes on my some of my accounts i.e. XXXX, XXXX, XXXX XXXX showing disputes initiated by me from years ago. The disputes were resolved. It has been years and these disputes have not been removed or updated. The creditor states they show no dispute so it is the Equifax, XXXX and XXXX causing the issues. I have asked that they be removed and they have ignored my requests, written, telephone and otherwise or tell me that there are no disputes. meanwhile XXXX claims they are still there as of XXXX. I need the disputes removed. I do not know how to compel them to do that and they are causing me irreparable harm. 45 days, resolved disputes have to be removed within 45 days! I need help with this. I do not have any documents reflecting these purported disputes because the banker XXXX, will not provide me with a copy of the report they are looking at, and the creditors state they dont show a dispute, and the reports from Equifax, XXXX and XXXX dont shot the dispute. Therefore I have nothing to provide.
Someone by the name of XXXX, XXXX # XXXX of XXXX, XXXX is making some outrageously erroneous statement ( s ) on XX/XX/XXXX that XXXX, Incorporated has a contractual relationship with XXXX, XXXX and XXXX, XXXX acts as XXXX, Incorporated 's servicer as provided by the terms of the Mortgage. 
Go to first Attachment, highlighted on page 4 of 8, and also go to second Attachment.
I have a previous address listed on my credit report that do n't belong to me. The following previous address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX
I currently have two student loans with Navient, one for {$29000.00}, the other {$27000.00}. I have been paying my loans faithfully for the past 8 years since I graduated. Most of my payments have gone toward interest, and I currently owe more than the initial amount I borrowed. In XX/XX/2017, a quarter of my work hours and salary were cut, which made me unable to keep up with the burden of the {$440.00} monthly payment. I contacted Navient as soon as I could to request a forbearance, which was granted in XX/XX/2017. Unfortunately, they granted me a forbearance for only two weeks from the date of approval ( PDF attached, notice the dates ). One month later in XXXX, I lost my job due to budget cuts and financial hardship in the company. Since the initial forbearance was already so short, that was not enough time for me to get on my feet again. Even before I lost my job I was struggling with this payment because I was only making {$1700.00} per month, {$20000.00} annual salary. As it was, I was paying a quarter of my income toward these student loans, which is nearly impossible since I live in XXXX XXXX XXXX. When I called Navient in XXXX to request another forbearance because my circumstances had changed again, they refused. The employee told me that I have " no forbearance left, '' and no options to defer payments at all, ever again. The individual was unhelpful and apathetic to my requests and concerns. Navient, on the whole, has been very difficult to work with, the repayment amounts they insist upon are consistently high and debilitating, and the fact that they offer so few options for customers who can't meet their demands is completely unacceptable. Because interest rates are so high, my current balance exceeds the initial amount I borrowed by over {$11000.00}. They are now threatening me by telling me that are going to destroy my credit, and they are harassing me and my parents with collection phone calls day and night. Navient mercilessly exploits its most vulnerable customers, students and former students who just wanted a chance for an education. This company is abhorrent and I am so glad that the CFPB is taking suit against them.
EQUIFAX is reporting an account with XXXX XXXX as past due and as my account. Ive disputed this account with Equifax however equifax keeps stating this account is mine and I do n't have a mortgage with that company nor have I ever. Im assuming this is on my report from the security Breach that Equifax had. They need to remove this from my account.
A FORGERY OF MY NAME & A MOCK APPEAL HELD IN BANKRUPTCY COURT WAS HELD BY SOMEONE PRETENDING TO BE ME ... THIS ALL BECAUSE OF ILLEGAL FORECLOSURES THAT TOOK PLACE ON XX/XX/XXXXEVEN THOUGH THE MTG., COMPANY FILED A CANCELLATION OF DEBT ( 7-MONTHS-PRIOR ) XX/XX/XXXX THE ILLEGAL MOCK APPEAL ON MY BANKRUPTCY LASTED 4- ( FOUR ) YEARS & I FILED BANKRUPTCY TWICE SINCE THEN ( once with an Attorney ). ( The Judge who Recused himself stating he could-NOT hear both Land ( & /or ) Divorce, BUT, he was the Judge Dismissing then Cancelling his dismissal, then coming back as the only Judge in Case Giving a Summary Judgment against me for the LAND/HOME and hearing my Divorce Case allowing an Attorney to withdraw from my case Illegally. ) I Sued the Mortgage Company for an ILLEGAL-ASSEMBLAGE & PREDATORY PRACTICES, ETC. & THEY CANCELLED THE DEBT IN XXXX THEN FORECLOSED 7-MONTHS LATER ON XXXX XXXX, XXXX. NOT EVEN RECOGNIZING THEIR " FILED CANCELLATION- OF- DEBT MY BANKRUPTCY FILED BY AN ATTORNEY ON XX/XX/XXXX OR THEIR RECORDED ADMISSION TO SANCTIONS BEING ALREADY WRITTEN AGAINST THE LOAN, OFFERING ME -- 1 % t -OF THE DURATION OF THE LOAN, OR MY ACTIVE LAW-SUIT AGAINST THEM ... FOR INCLUDING A SEPARATE PROPERTY ( VACANT LAKE- FRONT -LAND-LOTS THAT WERE OWNER-FINANCED ) WHICH WERE FREE & CLEAR which NESTED OVER 16-20 BALD EAGLES & OTHER RARE BIRDS. THIS IS WHERE THE P.O.A ( property owners assoc. ) TOOK MY FENCE, CHOPPED DOWN ALL VIRGIN TIMBER, RESURVEYED MY LOTS, GIVING A PORTION TO NEIGHBORS WITHOUT LAKEFRONT OWNERSHIP ( because I owned the entire CUL-DE-SAC on the LAKE &  taking out the original pins ) THEN, REZONED IT ALL AS ONE LAKE FRONT LOT, COMMERCIAL INDUSTRIALGIVING ROYALTIES TO THE BLOCK, ADMITTING TO EVERYTHING IN THE POLICE REPORTS. <P/>
IT ENCUMBERED MY DIVORCE, WHEN I DID-NOT DROP MY SUIT ( as asked by one of my 3-attorneys, I thought were working together, but were just informing each other until two withdrew once the husband paid their feesthen the last attorney who my husband hired her cousin, while in jailcontinued to inform the previous Counsel- I have the documents ) THEN, MY HUSBAND WHO WAS IN JAIL FOR XXXX XXXX IN DIVORCE-COURT, FOUND XXXX XXXX XXXXWAS ORDERED TO RESTORE-DID-NOT-COMPLY AND WAS XXXX XXXX THEN THE NEW JR. JUDGE THREW OUT THE FRAUD ON THE SENIOR " JAG '' JUDGE 40- YEARS ON THE BENCH, AND HELD AN ILLEGAL FINAL WITH " NOTHING '' DONE IN THE  DIVORCE, MEDIATION, DISCOVERY 'S, DEPOSITIONS, WE HAD ONLY BEEN TO COURT TWICE BEFORE HIS FRAUD OF DIVERTING MY MILITARY SPOUSAL BENEFITS WERE " '' ORDERED '' '' BY THE SR. JAG JUDGE TO RESTORE, SO I FILED AND INTERLOCUTORY APPEAL ( LIKE HUSBAND DID WHICH HELD UP THE DIVORCE FOR ALMOST A YEAR ) AND THE NEW JR. JUDGE SAID HE COULD " '' NOT '' ' HOLD THE FINAL -- CHANGED HIS MIND 4-DAYS LATER, EVEN BEFORE THE HIGHER COURT COULD MAKE THEIR DECISION.. HE ALSO HELD FINAL BEFORE THE STATUS HEARING FOR ME TO FIND ANOTHER ATTORNEY -- HAVING AN ATTORNEY REPRESENTING ME EVEN THOUGH I WAS PROSE WITH AN APPEAL. GIVING ME NOTHING, NOT EVEN MY MILITARY BENEFITS HUSBAND WAS ORDERED TO RESTORE BY MILITARY & AT THE DIVORCE HEARING BY SR. JAG JUDGE.
I need help resolving a matter of fraud related to identify theft and compliance violations by Wells Fargo Bank. 
My husband 's identity has been stolen. Numerous fraudulent checks and electronic transactions have been processed from our checking account, savings account and credit card. We have filed a police report and an identity theft affidavit with the Federal Trade Commission. 
We reported the fraud to Wells Fargo as soon as we discovered it, multiple times. Wells Fargo failed to assist us or open claims after the first XXXX reports of fraud on our checking account and after the first report of fraud on our credit card. They did not open a claim on our checking account until our third notice to them on XX/XX/2016. 
Wells Fargo has made numerous errors, compliance violations, and has used false information to initially deny our claim. They supposedly escalated the incident to their Resolution Team on XX/XX/2016, however, we have had no contact from that department and it has now been over 15 business days. The bank has been negligent in helping us and has committed multiple violations of the XXXX Transfer Funds Act ( a.k.a. " Regulation E '' ; parts 205.6 and 205.11 ), such as erroneously closing the claim and failing to provide provisional funds. In addition, Wells Fargo is in violation of the Fair Credit Reporting Act by refusing to provide detailed information, requested in writing, about the transactions. We have been very cooperative and have offered to partner with them in providing as much information as necessary to investigate and try to track down the source of the fraud to help catch the criminal ( s ), but we seem to be getting nowhere. I would appreciate any help you could provide. I am attaching a document with details of events from XX/XX/2016 to XX/XX/2016.
On XX/XX/2018 I was contacted by XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, NY. She said I owed money to a company and when I asked her to send me a debt validation notice she said " I am sorry we are way past that and I am giving you a courtesy call before we file papers ''. I told her I am not paying anything until I can validate this alleged debt. She also contacted me at my work and called my girlfriend 's cell phone leaving messages on both. I very firmly told her to never contact my girlfriend again and to not contact me at work again. I said, you have my cell number so you know where to find me. She then threatened to contact my HR department to garnish wages. 
On XX/XX/2018 I was contacted my Ms XXXX from XXXX XXXX. She also called my girlfriend and called me at work again. I told her I have repeatedly told your company to never call me at work or contact any of my friends or family. Ms. XXXX also left a voice mail telling my girlfriend she had papers for her too! Once again, during our phone conversation she never stated she was a debt collector or read my mini miranda rights. 
On XX/XX/2018 I get another call from Ms XXXX from XXXX XXXX XXXX. She also called my girlfriends cell phone and called my work number again after numerous times telling to not call me there. I never have received a debt validation notice or have they ever stated my mini miranda rights. I am beyond upset and so mad. This company breaks several Federal laws under the FDCPA. This company believes they are above the law and operate so. They make false threats, intimidate, and lie to you. I have contacted a lawyer already to pursue legal action if they don't stop with their illegal tactics.
This is a complaint against XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Mn. 55125.My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX XXXX, XXXX, Ca.XXXX.Some time ago I opened a checking account at XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX added a feature called " bill pay '' without explaining to me that there were risks involved in having that feature, and they then paid XXXX fraudulently submitted bills out of my checking account without asking me whether the bills were legitimate, which they were not. I was then held " responsible for the " debt '' so created, and reluctantly paid it off as soon as I could, even though it was not my fault. Nevertheless the matter was reported to XXXX XXXX by the XXXX XXXX and XXXX XXXX has been barring every attempt by me to open a new checking account, such as at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and so on, all based on derogatory information from XXXX XXXX  XXXX XXXX XXXX XXXX even closed down my existing checking account based on derogatory " information '' from XXXX XXXX   XXXX XXXX XXXX has no business causing me harm this way, especially since I paid off my falsely create " debt '' so-called to XXXX XXXX XXXX XXXX XXXX and have had no defaults anywhere. I called XXXX XXXX   over the phone but received no satisfactory information from them. They would " disclose '' nothing. They would not answer any questions nor provide any relief. I appeal to CFPB for help with this problem created by XXXX XXXX XXXX and would like CFPB to stop XXXX XXXX from doing all this to damage my reputation. Thank you, and I look forward to a favorable response.
I have continously tried to contact this company to no avail, I very no knowledge of this debt and I would like it removed from my credit report. The credit bureau keeps responding verified but can not seem to show me how they verified this account belongs to me.
I was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/XX/XXXX ( documents attached). Come to find out that the last 2 payments made of $XXXX on XX/XX/XXXX and another for $XXXX  a week after that (receipt of payments with confirmation # s uploaded)  XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of $XXXX! This is after 12 changes they made within  months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers!
Due to a recent repossession in 2016 I should be no longer in debt to the finance company since vehicle was confiscated which means I am no longer in debt to finance company and should not be reporting negatively on all XXXX of my credit reports.
BB & T processes debits to accounts before credits/deposits triggering unfair overdraft fees. This has gone on for years and they refuse to refund the fees.
I 've just reviewed my credit score and noticed a significant decrease. After reviewing my report on XXXX, I 've had about 12 hard inquiries removed and then reinserted. This is against the law as I received no written notification of changes. I spoke with a rep from transunion by the name of XXXX and she states she 's unable to delete it because it 's a glitch on credit karma. I 'm assuming this same glitch has affected the other credit bureaus because my score has decreased between XXXX points in about a month. I do n't care who 's at fault, I just want all inquiries removed because it violates my rights as a consumer.
This complaint is with your company regarding the physical verification of the original document or contract with XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your company is required by law to validate proof of claim of as wells as method of how this account was verified. I have received NO documentation that this account belongs to me by your company. I have submitted documents advising of fraudulent accounts in my name. This is NOT a request for verification of proof of claimant mailing address however, I am requesting VALIDATION and PROOF OF CLAIM made pursuant to produce a contract. I am also requesting that your offices provide this physical proof as required by Federal law as this account is fraudulent error being reported by your company.
I mailed in a payoff payment to the loan company on  XXXX / XXXX /  XXXX   in the amount of {$23000.00}. The check was converted to an ACH transaction and cleared my bank, on  XXXX / XXXX /  XXXX  . On  XXXX / XXXX /  XXXX  , I received an email from the loan company thanking me for my payment of {$760.00}. When I called customer service, I was told that there was no record of my payoff payment, only the payment of {$760.00}. I was also told to call back later to check to see if my account had been credited the payoff amount. I did this 3 times. The last call I made, on  XXXX / XXXX /  XXXX  , I was told that I needed to fax a copy of the ACH transaction to their Accounts department. Which I did, twice. The ACH transaction on my bank statement has the correct account number, and the full amount that I mailed in. As of today,  XXXX , whenever I call the loan company, I get a recording saying to leave my name and number and they will call me back. When I look at my account on-line, it still does n't show my payoff payment being applied to the account.
I am writing to dispute the following information in my file. I recently received a copy of my credit report s (   XXXX ,  XXXX , and  XXXX   ).  The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court Order Please  remove these inquiries from my credit reports immediately.
Before you attempt to read this message I want to let you know that this isnt a letter to collect debt. I am writing this letter as an affidavit and a dispute. The accounts listed in this letter is inaccurate and is an error. ERROR ACCOUNTS : XXXX, XXXX XXXX & INQUIRIES WILL BE IN THE ATTACHMENTS. I have contacted your company 90 days and you seem to be ignoring me which let me know that you are aware of every certified letter I sent to you and you have nothing with my signature bearing my signature or any documents that is attached to me. By law you must remove the items immediately and I am only allowing 24 hours for this to be resolved. I am unaware of the accounts and inquiries listed. I mentioned this in 3 previous letters 90 days ago but your intentions were all wrong and youve violated my rights as human being and Im forced to take legal actions for using my consent with out contacting me. This is a special moment for me knowing that we will be in court soon because you owe me time and damages that youve caused stress and more to my life than you ever can imagine. I  will be filing a lawsuit very soon and will be looking to be compensated an amount of {$30000.00} for all the damages.
Since XXXX I have been trying to pay my mortgage to Statebridge Company, LLC and trying to find out about the unexplained mortgage increase plus an extra {$27.00} charge no one can explain. I have called several time over the past few days and no one answers the phone and the general mail box is full ( XXXX ) and can not take messages and I get disconnected. I have gone through their employee directory and dialed every extension and no one answers the phone and each voice mail states that if you leave multiple messages that will delay the call back time. My mortgage payment for the month on XXXX still has not been applied to my account and I ca n't get hold of anyone to resolve the issue and get my payments applied to my account.
My Husband is currently overseas and not able to use his Wells Fargo debit card ending in XXXX. We called Wells Fargo today to try and get the issue resolved as we had already notified them online about his travel plans, but the representatives REFUSED to help us without him confirming the verbal password on the account. He did not recall even setting up the verbal password and they didnt even try to verify the account using a different method, such as confirming SSN or anything at all. They just kept saying that he would need to go into a branch ... .HE IS IN XXXX ! They were rude, they cut us off and talked over us and didnt try to help us at all. He doesnt have access to money while overseas now all because of Wells Fargo and the poor treatment of its customers. We spoke to 2 different individuals, 1 was a regular representative and the 2nd was her supervisor who actually HUNG UP on us! The call was on Saturday, XX/XX/XXXX around XXXX - XXXX PST. Please pull this call so you can listen to the way we were treated.