WillisBack/dataset-financial-user-claim huggingface dataset:
Loan # XXXX Property Address : XXXX XXXX XXXX, # XXXX, XXXX, MD XXXX This is a sequel to Complaint XXXX. 

On XXXX XXXX, XXXX, I called Wells Fargo to make a payment, as I did in XXXX. They refused to take my payment. I sent Wells Fargo a Fax, which is attached herewith, asserting reprisal, making rules along the way to frustrate me and facilitate foreclosure by their attorneys. When I called XXXX XXXX repeatedly to me that I was behind by XXXX payments but I kept reminding that I called to make a payment, as I did the month before. She raised she would not take my payment because of the delinquency. I asked her why did Wells Fargo take my payment last month in spite of the alleged delinquency. She told me that a restriction was placed on my account. I asked why was the restriction placed but was not given any answer. I requested for her supervisor XXXX who confirmed that they would not take my payment. I advised that I will file a complaint with CFPB. 

The Fax I sent to XXXX states, in pertinent part, " I want the record to reflect that I called today to make my monthly payment of {$660.00}, as I did last month, but was told by XXXX XXXX and her supervisor XXXX that my payment would not be accepted because of a restriction placed on my account. I advised them that I will file a Complaint with the Consumer Financial Protection Bureau on the grounds that this is a reprisal and that XXXX is making rules along the way to frustrate me. XXXX minute Wells Fargo claims that payment was not made, next minute it accepts a payment and the next time around it refuses to accept payment. That is madness. This is history repeating itself. '' This is important because it establishes a pattern and practice by Wells Fargo. My original complaint alleges that I disputed the loan but reached agreement with Wells Fargo to be making payments to avoid them hurting my credit while XXXX researched my assertion. Wells Fargo began taking payments and suddenly stopped, referred the matter to a lawyer for foreclosure. I asked them why did XXXX stop taking payments and opt for foreclosure. I did n't get an answer in XXXX until XXXX Wells Fargo fabricated some falsehoods. Just the same way, Wells Fargo stopped taking payment. I do n't what lies Wells Fargo and its employee will tell you now. 

My loan balance went from {$8800.00} on XXXX/XXXX/XXXX to {$62000.00}. See attachment. I need explanation and a breakdown. 

I want a hearing and a complaint filed against Wells Fargo.
I have not had XXXX in over 8-9 years, this collection agency has it listed on my credit file and it is over the statute of limitations and can not validate this. Please help
My original lender was XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX, US Department of Education, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? All of my loans have been in deferment and in XX/XX/XXXX-XX/XX/XXXX they claimed they never received my documents to defer my loans but I agreed to it and now I have late payments which is hurting my credit. This is very misleading and shady. Every time you call the representatives are always giving you wrong information.
My wallet was stolen from my purse at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/2018, filed police report. 

Fraudulent charge made on my Wells Fargo Credit Card of {$1200.00} at XXXX XXXX in XXXX XXXX, CA I received a letter dated XX/XX/2018 informing me that the fraudulent charge of {$1200.00} and that I had reported on XX/XX/218 to Wells Fargo Fraud Department is now my responsibility. 

I wrote a letter to Wells Fargo Credit Card Fraud Department to remove fraudulent transaction since my wallet was stolen.
Applied for a car loan and was given an interest rate of 20 %. Experian report can not provide a FICO report. All my auto loans and student loan was paid on time an never late. I must be provided a FICO score for auto loan Dispute # XXXX
I use to be a patient if XXXX whom is claiming I owe them {$510.00} after there office was closed down they put it on my credit as gulfcoast XXXX and I keep disputing I called the office manager at XXXX XXXX because never did I owe them this or the dr would not of seen me I had Medicare and Medicaid always paid my copy 's when I went in to my visits and I think someone internal is committing fraud I never even received a phone call or letter from them for this
I had a judgment against me on a {$5000.00} balance from an old Citi credit card from my early XXXX and I 've been paying on it for almost 7 years now, around XXXX every year has been taken from my check and I have more than paid this debt back and I feel I 'm getting taken advantage of by their debt collection service, XXXX Law Firm.
I received information from another company I do business with that they were lowering a few account limits to include one company which closed my account because I had a new derogatory mark on my report placed there by XXXX XXXX XXXX which is located in XXXX, Tx I didn't even know who this company was. So I waited a while and never received anything from them after a week I looked my report up through XXXX XXXX and got reminded during that time I have a collection against me from this company so I looked up the company and tried to call to which my phone call never went through the next morning I emailed them asking for validation of this debt they claim I owe them to date I still have never received anything which was requested more than a month ago so tonight I went and looked them up via the internet to find information stating they are a part of some scheme and has been closed by the FBI being worried by this information I now know I was correct with not recognizing this company I read as much information as possible to include finding out they aren't even registered with the state of Illinois by not being currently registered with the Secretary of State to conduct business within the state I live in ... So why can a company who practices illegally ( morally and physically ) put a collection against me without proving to me that this debt is mine even after requests I'm so confused and angry about this
I received a call from a collector saying i owe a payday loan from 2011 for XXXX. I never took a payday loan ever
On XX/XX/XXXX, I contacted Navient to remove my deceased grandfather, who died on XX/XX/XXXX, as a co-signer. I had completely forgotten that he was on the account, due to the fact that I have been the only one paying on it since I graduated in XX/XX/XXXX. When I called, I reached the automated system and it asked me why I was calling. I stated, " co-signer death. '' The automated system then directed me to a prompt, which stated that I would need to speak to a representative. Instead of transferring me to a rep, the system disconnected on me, which was very frustrating, but I understood. So, I called back and got the automated system again. When prompted, I stated " representative. '' The system said, " In order to get you to a representative, I need to know the reason you're calling or I will have to disconnect the call. '' In my opinion, if I say representative, you transfer me to a representative. I understand that the company probably does this to eliminate transfers, but the first representative I spoke to had to transfer me anyways! So frustrating. Then I finally get to the agent that's supposed to " help '' me and they tell me that I need to mail in the original death certificate. My grandfather has been deceased for 3 years and now I have to find this death certificate, pay for postage, and send it in. Minor inconvenience, I thought, but then the representative asked me several questions about his death. " Did he go to a hospital? '' " Which hospital? '' " What funeral home was used? '' " What's his mother 's maiden name? '' " What's his father 's name? '' What is the point of all these questions if I'm sending you the death certificate?! That alone should be enough to remove him from the account. Before I disconnected, I asked the agent what would happen if I couldn't get the death certificate. The agent basically told me this was the only way to get him removed, so if I didn't do it then he would remain on the account. This was such a frustrating process, when all I really want is mail to stop coming to his old house. Not to mention the fact that I'm not even remotely close to having him removed.
I have send dispute letter to XXXX, XXXX and Experian asking the verifiable proof for the accounts thay have filed in my report. 
They have failed to prove them to me.
Capital One acted in bad faith when we were attempting to negotiate an agreement to pay off a bill that had become seriously past due after a major theft drained our cash. 

Here is the sequence of events : 1 ) I called the phone number thats shown on the web site for making payment arrangements. I spoke with an agent named XXXX about our situation, and mentioned that our primary concern was to make arrangements that allowed us to preserve as much cash flow as possible so that we could begin replenishing the cash reserves that had been wiped out by the crisis. I was also up front with Will from the beginning of the call that I was only calling for information about the options and that I would not be able to make a commitment until I had the complete picture from all of our creditors, so that we did not overcommit to anyone. 

2 ) XXXX said that Capital One would accept a long term payment plan that would cap the interest at a rate of 7.9 % for a payment of approx. {$350.00} over 60 months. The card would be cancelled, but that was an acceptable trade-off for us. 

3 ) During this call, XXXX did not say anything about this being a one-time offer that I had to accept immediately or that there was, in fact, any formal offer on the table to accept or reject. I took away from the conversation that this was something we would be able to arrange when we were ready. We had similar information from other credit card companies, so the offer made sense. 

4 ) After reviewing the full situation with my assistant and my partner, we decided that the long term plans we were being offered were the best solution, and I called Capital One back, thinking that this would be a short, easy phone call. Thats when things started to go awry. 

5 ) I made my 2nd call. The 2nd person said that the offer XXXX had made was not available. To her credit, she recognized immediately that something had gone wrong and put me through to a supervisor before I requested it. 

6 ) The interaction with the supervisor was a different story. She tried to explain, over and over, that the offer XXXX had made was something that Id needed to accept immediately which was not what XXXX had said. She basically said that there was nothing she could do. She put me on hold to talk to a supervisor and then came back to say again that there was nothing that could be done. 

7 ) She gave me no options except to call back, in the hope that the system would reset itself and Id be able to get the offer, or a similar one again or to see about working with XXXX XXXXXXXX XXXX 

I have been unable to reach anyone at Capital One who has the authority to resolve this problem directly. I do n't blame the supervisor ; I think Capital One 's systems set her up to fail, by not giving her any options or even the ability to put me through to someone who did have the authority to take action. 

We are concerned because the account is seriously past due, we want to resolve it, and yet Capital One 's systems seem to have broken down so that we can not.
Have written in to XXXX and XXXX concerning invalid items reported on credit report and they refuse to remove non account holding inquires and 3 accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( not my account, companies do not have contracts and have been unverified ) and Chapter XXXX bankruptcy the bankruptcy has invalid date reporting and the following inquires were not done by me : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , and XXXX
My BLOOMINGDALES credit card account had a {$420.00} credit that was stolen evidently by a Bloomingdale employee. I 've contacted customer service and had no results. 
We were in XXXX XXXX XXXX/XXXX/XXXX at Bloomingdales which refused my purchase stating that my account was closed. Store inqired further to find that account was closed XXXX/XXXX/XXXX. We received no notification of card termination in fact we had confirmed that credit would not expire. Instead of issuing a check for credit our Bloomingdale credit was used in FULL for merchandise on XXXX/XXXX/XXXX by an unknown source. Purchase accured exactly 15 days after account was supposedly closed.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being 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 which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Hello, I started a dispute with TB Bank who manages my XXXX store card for a transaction that occurred on XX/XX/XXXX for an amount over {$800.00}. 

I returned a phone to the merchant, the merchant accepted my return, but I never received a credit from the merchant. 
After attempting to resolve with the merchant several times, they would not issue a credit, stating they " will put in a request '' that I never heard back from. 

I started a dispute with TD Bank XX/XX/XXXX, within 60 days of the disputed transaction providing details both by mail and verbal forms of communication. I received a letter XX/XX/XXXX confirming the claim was started. 

It has since been over 97 days since I started the claim, and I have not heard back from TD Bank in any form ( mail or phone ) asking me for additional information, or, with a status of my claim. I sent the bank messages XX/XX/XXXX and XX/XX/XXXX through their online banking system and was not provided a status of my claim, only that it would be resolved within 90 days and I would receive a letter with the outcome. 

I attempted to contact them by phone today, XX/XX/XXXX, to get the status of the claim and was told I should get a letter by next week, which I had been told the week before. 

Thus far, TD Bank has not credited my account back for the balance, and the merchant has the product! I have not benefited from this transaction in any way and TD has kept me in the dark regarding the status of my claim. Since my account has not been credited after the 90 days, I can only assume that my claim was denied, however, unless the claim is in arbitration ( which I have not been made aware of ) I believe TD bank has mishandled my claim, as the information I provided them should fit the association 's charge-back guidelines. 

I need a satisfactory resolution on this claim as soon as possible, this transaction has been negatively impacting my credit for far too long and there is no reason the bank should not be able to provide me a simple status of the case over the phone, such as " Your claim is denied for this reason '', or, " Your claim is resolved in your favor ''
My first mortgage is with Ocwen Loan Servicing, LLC and my loan number is XXXX. A few months ago, I started paying my mortgage every two weeks to cut out some of the interest on my mortgage. I received a letter on XX/XX/XXXX, which was dated XX/XX/XXXX telling me that my account has been transferred. The letter states that the ownership was transferred to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. They indicate that the ownership has not yet been publicly recorded. I still pay Ocwen with the same information. On the second page, it indicates that partial payments " may hold partial payments in a separate account until the rest of the payment is received, and then apply the full amount to the Account ''. Basically, they are trying to keep me from paying the mortgage every other week or if I do, they are not going to credit the account until payment in full is made.
I just found that Security Credit Services has posted a collection item under my account for {$2500.00}. I have never had any transaction with this company nor any other Company that may be linked to this company since I do not owe any company that amount of money. I am demanding for an immediate investigation and removal of this collection item from my account as soon as possible.
Again I come to you, because the agencies are not help me with this even after I applied all my documents and reports. Please review this information again. over the last two years I have been fighting the banks and credit agencies for fraud information on my account. I am still fight them on these issue. Here attached is a copy of my original report. The accounts are charged off and sold to credit collection agencies now. 

attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been oversea since XXXX. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all three credit reporting agency and alert was placed on all my credit reports with all 3 agencies. I complained to each lender and as of this day I file this report back in XXXX until this day I have gotten any resolution and all those accounts are still open in my name and are chargeoff on my credit which is very damaging at this point after 30 years in the military and coming up on retirement now. There was never a resolution to this matter. None of the company can provide me with any evidence that I ever signed for anything with my original signature. I have my military location an time these report and credit was established. I have disputed with creditors and the bureau 's take this information down. I submitted the attachment back in XXXX to your board and nothing ever happen at the credit reporting agencies.
Equifax is reporting 2 XXXX XXXX accounts that are showing XXXX accounts that are negative ) yet it shows paid as agreed. First off they are reporting 2 XXXX XXXX cards with 2 different account numbers with the same credit limit. This is a duplicate. There should not be 2 XXXX XXXX accounts reporting as negative. My other issue is if it stating pays as agreed and account is current then this account should be under accounts that are in good standing. Having this wrong information reporting is affecting my creditworthiness.
To whom may concern, I was charged {$520.00} as penalty to withdraw a CDs. Please allow me to demonstrate the unfairness from TD bank services. 
XXXX. I tried to stop the transaction before it is completed. I opened a CDs online on TD website, but I realized my investment on TD was poor, and I tried to stop its process before it is completed. So within an hour, I called Customer Services to stop it, they said they can not and I need to go to the branch. I went to the branch ( XXXX ) right away ; the banker XXXX XXXX tried to reverse it for me, but he said the CDs is not on the system yet, so I have to wait 72 hours to come back for any action. I came back to the branch next Monday, Banker XXXX XXXX picked up my case and brought it up to her manager XXXX XXXX. XXXX brought it up to her Region Manager ( I can not get the name ). The top manager insisted I should pay full penalty. 
2. I invested the CDs with Step rate of 5 years, and the first year rate was just 0.35 %. Why my penalty is too high? For step rate CDs, I can take out all my monies after a year matured. With the Cds amount of $ XXXX, I will make interest of {$260.00} for the first year. My penalty is {$520.00} which is much higher than the interest I would make. 
3. TD bank did not give sufficient and clear information when I opened the account online. TD website did not clearly state the penalty of withdrawing a Cds. It makes it too simple to open a CD account. 
Please investigate my case, I am complaining because the TD bank 's delayed process, the top manager 's disregard, the unclear high penalty, and insufficient provided related information.
In XXXX of 2015 I wrote to my card company about an ongoing problem which I had originally called about on four previous occassions. I had requested the no interest financing program, yet the company continued to assess finance charges. At the end of the fiancing period I wrote a check for the full amount, less interest and sent the check along with a letter to the president of the company. 

Since then I have not received a written response to my dispute letter and the company cashed my restictively endorsed check. Since then I have called three more times requesting a written response which I still am waiting for. 

I have stopped making payments on an existing program pending their response and resolution of my dispute. However, I have begun to receive collection calls and letters.
The XXXX XXXX Credit card was owned and managed by XXXX XXXX. I was at one time an XXXX XXXX XXXX XXXX. I canceled my XXXX XXXX credit card several months ago. Apparently, the XXXX XXXX card has recently been purchased by Barclaycard. Without asking, Barclaycard sent me another card, on the account that I had canceled. I did not activate this new card or reopen a new account. My prior account had already been closed and canceled by me. 

Barclaycard is now saying they will charge me an annual fee on this new card - the one that I canceled and never reapplied for. Basically, they are starting a line of credit in my name, that has an annual fee attached, without asking, and on the basis of an account I had previously closed. I will call and cancel the already canceled card once more, but I should not have to take time to do this again. Additionally, how do I know they will not reactivate my account again without permission? Please address this unethical, and I assume illegal activity.
They make me look like if I was behind on my Mortgage on the month of XX/XX/2018 & XX/XX/XXXX when I was not and never was, when I was even giving extra money to the Principal. The Money Source Web site and the managers started a problem, when my wife was trying to increase the payment, so more money went to the Principal and two payments came out that month and because I reverse one of them thru my Bank as Fraud they took revenge and committed slander against me by reporting me late at the Credit Bureaus, for 45 and 60 days, when it was not thru. Told them to correct that and the accounting department or the company revert that letter from going to the Credit Bureaus to correct their injustice. The manager by the name XXXX requested this for the second time and nothing yet. I am a Senior of XXXX years old and a Retired XXXX Veteran and is a disgraced that Americans treat us that way and do not want to admit their injustice and lies to the Credit Bureau.