WillisBack/dataset-financial-user-claim huggingface dataset:
The problems began in XX/XX/XXXX. I graduated at the end of XX/XX/XXXX in the midst of the global financial crisis. Fortunately I was able to find work immediately following graduation from my XXXX program and keep up with student loan payments. Initially everything seemed to be fine but when I was laid off the following fall in XX/XX/XXXX I quickly fell behind. I started receiving numerous communications from then XXXX XXXX, Department of Education Loan Services specifically suggesting forbearance as a first option for dealing with loan repayment. That I can think of no offer was ever made to consider an income based loan repayment program nor was I aware of that option. 

I have 74 emails from XX/XX/XXXX through XX/XX/XXXX of XX/XX/XXXX that provide a timeline of events. I stopped communicating with Navient in spring of XX/XX/XXXX in the midst of yet another spell of unemployment when it was suggested by a phone representative that I should solicit funds from friends and family to make a full payment after offering a partial payment which the representative rejected. 

It has recently come to light that this sort of practice
I reached out to experian on two occasions about a fraudulent account listed as XXXX XXXX XXXX XXXX XXXX on my credit report. Experian claims to have investigated the complaint and in the end the issue has yet to be reosolved. I reached out to XXXX ( the originator of the debt ) and they have no such account listed in my name. The account has since been removed from transunion and XXXX but Experian refuses to remove the fraudulent account. I believe that experian has no validation of the account and never did a thorough investigation.
On XXXX/XXXX/2015, I closed a house through a short sale transaction. The mortgage company United Wholesale Mortgage accepted {$340000.00} as the net proceeds. They reported on my credit report that the account is closed and less was accepted towards payoff. However, when I look at my account online or when I called to discuss the XXXX that I received, my account still shows open after 5 months.
In XXXX XXXX/XXXX/XXXX I opened a checking account at Webster Bank XXXX University brunch located on XXXX XXXX in XXXX. The terms offered by the branch manager XXXX were a {$350.00} dollars bonus after 4 months on the deposit of {$10000.00} dollars. I made a deposit of {$15000.00} dollars. 

After I checked with the bank in a few months I was told that the information was incorrect and XXXX made a mistake. The terms actually were 6 months. I checked the terms that I received in the day of the original deposit and it said the bonus will be credited to my account on XXXX XXXX, XXXX. 

After I waited another two months Webster bank did not issue a credit on XXXX XXXX, XXXX. After I contacted the bank I was told by the service representative that there is no bonus and I will not be getting anything. 

In a last two weeks I had been trying to resolve this with Webster bank through numerous attempts to contact anyone from branch manager to their upper management. The new branch manager in the location where the account was opened is not answering my calls and not returning my calls. A few times I spoke to him I was told that there was some kind of the mistake and it will be resolved shortly, but it has been two weeks. 

I was able to get a hold of a market manager for the XXXX market. I believe his name is XXXX XXXX and his number is ( XXXX ) XXXX. He was very rude, but promised to resolve the situation. It has been 10 days and nothing has been addressed. He is no longer answers my phone calls. 

I also reached out to the corporate office for Webster banks and spoke to XXXX XXXX XXXXenior vice president of Corporate Communications and Public Affairs XXXXXXXXXXXX. She asked me to email her the information and promised to get back to me right away. It has been more than 10 days and she is not answering her phone, not returning my phone calls, and not replied to my email. 

I tried to address the situation with Webster Bank phone customer service multiple times and they are not aware of anything and refer me to the branch where the account was opened. 

I contacted the Webster Bank headquarters and XXXX CT. The bank official I spoke to took my information and also promised to resolve the situation. I have not heard back from him either in more than 10 days. 

I do not know what to do at this point. As of today, XXXX XXXX, XXXX, I still has not received anything ... I opened an account and made a large deposit to Webster Bank on the consideration of the bonus. This now clearly became a fraud on part of Webster Bank. The bank is using my money for more than seven months and not fulfilling their obligation. Management ignores me and does not care. It I close the account I will certainly not get the bonus from them. Even if I get the bonus at some point this is not what the banks advertised and promised.
TrustedID XXXX by Equifax The website is impossible to reach and the XXXX number posted is never open. The enrollment for credit/ID protection due to the recent hack of Equifax is difficult to navigate and the process is never ending compounded by the severe difficulty to even log in to my account. 

There is always a XXXX wait for each phase of the protection enrollment but there are very long delays due to the website to log in is always down. 

Equifax is falsely advertising that it is taking care of the 140+ million names that have been hacked but days are passing by fast without any real expeditious help from Equifax to protect us. 

Equifax management should be prosecuted for this horrible breach of consumer identity protection.
I had an account with XXXX and someone went on their website hacked into their website stole my credit card information and my billing information bought something for {$660.00} and when I called my credit card company to report the fraudulent purchase they said they would take care of everything closed the credit card account sent me a new credit card and said dont worry they knew it was a fraudulent purchase and that they would take care of everything now two months later theyre saying that I am liable for this fraudulent purchase
Us Bank Home Mortgage did not pay the real estate taxes due on XXXX/XXXX/16. Today is XXXX/XXXX/16. Therefore we still do not have the XXXX to file on our taxes. I am not sure if this affects our credit.
On XXXX/XXXX/15 I contacted Senex Services Corp via phone at : XXXX and spoke with XXXX regarding a debt that was paid and still being reported to the XXXX main CRA 's as in Collections. Over the course of XXXX separate phone calls with XXXX I was informed that the debt would not be removed from my Credit Report unless an additional {$100.00} was paid. I informed XXXX that I have a letter dated XXXX/XXXX/15 documenting and confirming the account was satisfied and that my obligation to Senex was complete. When I asked to speak with a supervisor or manager I was told they were unavailable and I was asked if I was going to pay the {$100.00} or not? When I refused, I requested documentation that I owe {$100.00} or why I would need to pay this in order to have it removed from my credit report. I was informed that Senex does n't have the time to generate a letter and would only provide a receipt for the {$100.00} payment in XXXX days. When I kept disputing, XXXX informed me that after speaking with Manager : XXXX XXXX, authorized her to accept {$80.00} from me. I again asked for documentation, I was denied any such. I asked to speak with a Manager and I was told one would call me back but it might be a while. I informed XXXX / Senex that I believe this is illegal under the FCRA / FCDP and that I need something in writing from Senex. They refused repeatedly unless this $ XXXX {$100.00} was paid. Attached is the letter from Senex documenting my debt / obligation of {$300.00} is satisfied.
NEW INFORMATION - XXXX XXXX XXXX, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - XXXX. 

This information has not been submitted, and shows a Payment Plan in place between XXXX XXXX XXXX and XXXX XXXX XXXX!
IN XX/XX/XXXX I SET UP A PAYMENT ARRANGEMENT TO PAY OFF MY XXXX XXXX AE CREDIT CARD. THE PERSON I SPOKE WITH SET UP MY PAYMENT ARRANGEMENT FOR THE END OF THE MONTH EACH MONTH AFTER MY ACTUAL DUE DATE. WHAT I WAS NOT AWARE OF IS THAT I WOULD BE ACCRUING LATE PAYMENT PENALTIES EVERY MONTH EVEN THOUGH I SET UP A PAYMENT ARRANGEMENT WITH THE COMPANY. I WAS NOT MADE AWARE OF THE LATE PAYMENT PENALTIES ADDED TO THE TOTAL AMOUNT I OWED UNTIL MY PAYMENT ARRANGEMENT ENDED IN XX/XX/XXXX. I WAS GIVEN THE IMPRETION THAT BY SETTING UP THIS PAYMENT ARRANGEMENT I WOULD BE PAID OFF IN FULL BY XX/XX/XXXX. I CONTINUE TO GET CALLS FROM DEBT COLLECTORS AND XXXX XXXX STATING THAT THIS IS MY FAULT AND THAT IF I DO NOT PAY IT WILL  NEGATIVELY AFFECT MY CREDIT AND LEGAL ACTION COULD EVENTUALLY BE TAKEN.
Conn 's calling my phone up to 8 times a day. I told them on Monday I would be making a payment and they still continued to call. They have called my work once. They called my mom and she told them to stop calling and they told her that they will just call my work. I 've answered the phone several times and no one is there. I have the call records on my phone to prove it. I would like to press charges against them. I will never deal with them again. We only owe {$52.00} and change.
My complaint is dealing with my Chase saving /checking account there was a fraudulent charges on XX/XX/XXXX. This particular charge at XXXX XXXX for {$1100.00}. I disputed Initially. They replaced the funds briefly. Then on XX/XX/XXXX a reverse credit for {$1100.00} debit card dispute appeared on my statement. I contacted Chase to resolve the matter they stated XXXX XXXX disputed the charge and I 'd have to file a small claims to get the money returned.
I discovered in early XXXX XXXX that my monthly escrow payment with Shellpoint had increased by ~ $ XXXX. After going online to check my account, it turns out Shellpoint had obtained in early XXXX XXXX, without prior notification or authorization from me, a new " lender-placed '' hazard insurance policy for my property which costs XXXX more than my pre-existing hazard insurance policy. To my knowledge, my pre-existing hazard insurance policy was still current on my mortgage with my prior servicer, even when it got transferred to Shellpoint in XXXX XXXX. In addition to emailing a copy of my pre-existing insurance policy to Shellpoint, I have spoken with XXXX different staff on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and they tell me that they HAVE STILL NOT UPLOADED the copy of my pre-existing insurance policy, AND, they HAVE NOT YET REFUNDED to my mortgage account the previous UNAUTHORIZED ESCROW AMOUNTS they have disbursed to pay for the unauthorized lender-placed insurance policy they obtained without notification or authorization from me.
I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Incorrect Name XXXX XXXX Why is my name not showing correctly? You are provide incorrect information on my file. Please update ASAP with the ID provided. XXXX XXXX XXXX I can not agree with the information you are filing in the status, payment status, account number, high balance and the terms of this account. Corroborate this, correct it and/or delete immediately. XXXX XXXX/XXXX/2015 This inquiry must be an error as I do not recall applying to this company
I went in to XXXX  XXXX in XXXX Ny thought I was leasing a car for XXXX according to the sticker price. They said in the paperwork the cars agreed upon value is XXXX. We never negotiated the price according to XXXX and XXXX we were talking about the sticker price. No listing of what increased the cars value. Company name is XXXX XXXX XXXX XXXX XXXX
I was a wells Fargo customer for several years but my free checking account was never used, a teller pursuaded me to open one to save check cashing fees. One day after several months of no activity w/ my account I went inside to deposit a {$1000.00} check, I was told there was a problem w/ my account & was directed to an account manager, this guy was a complete XXXX, before anything was explained to me he was treating me like a comin thug very disrespectful, I started losing my patience with this XXXX then he blurted out loudly that my account is frozen due to being overdrawn, he said I will get a letter in the mail. So I left for home, checked the mail and to my surprise their was a letter from Wells Fargo that had a copy of XXXX checks each made for {$450.00} totaling {$900.00}, the name on the check was a XXXX from Alabama, the signature on the back looked like a woman signed it trying to cash them. What happened is some XXXX at Wells Fargo used my account XXXX to cash this XXXX from Alabama checks and my name is XXXX from XXXX Florida and my account number is nowhere close to this other guy, I have no clue how this could happen because I had no money in my account so how can they use it to cash somebody else 's checks? I have been up against a wall with these XXXX, I 've opened at least 5 fraud cases with Wells Fargo fraud department that always ends with " sorry we ca n't help you because it 's not your name on the checks '' they know this but it 's fine to use my bank account to cash this guys checks!! I ca n't even file a police report because the cops need more information. Wells Fargo has completely stone walled me, my name has been added to the fraud warning site, I ca n't open any bank accounts, it has damaged my reputation and has caused me much grief. This is a perfect example of why banks should never be to big look at how they treat people and GET AWAY WITH IT!!! I am beyond furious how incompetence runs rampant through wells fargo they should have to go through what they 've put me through, see if they act like it 's no big deal when it 's happeneing to them!!
I believe I was affected by the data breach impacting Equifax consumers between XXXX and XXXX XXXX. I have been unable to get confirmation from Equifax directly, as their call centers and data centers are understandably under heavy strain ( unable to get through on phone, and impact assessment page gives no answer ). 

However, since the breach was reported, I have been receiving a disproportionate number of calls to my personal phone -- multiple per day, sometimes per hour. It 's as close to correlation as I can get, for the moment. I 've already placed a 90 day fraud alert with all three agencies, so this report is just following through with the formality.
This company Diversified Consultants has called me non stop everyday and night and they have a collections mark on my credit, they are claiming I owe them an amount of {$420.00} when Ive never done business with them, and have no agreements nor acceptance to any relationships with them. I had the amount of {$420.00} paid off with the original company XXXX XXXX in which they claim I owe. This collections or derogatory mark they have placed on my credit is a false accusation. I will upload receipts to show proof.
On XX/XX/2018, XXXX XXXX is NOT reporting my good, on time payments for my car payments. I asked XXXX. rep to correct the problem they caused to all 3 credit bureaus that my payments are late making my credit score decrease immensely. This is fraud. 
I want this fixed NOW.
I have a XXXX credit card. It was through XXXX Bank and recently changed to Capital One. When the name change took place, it caused my credit score to drop by 30 points!! It is showing on my credit report as an increase in my balance from {$XXXX} to {$900.00} when in fact it was {$900.00} to {$900.00}. I have absolutely no control over a credit card changing to a different lender and feel this is extremely unfair for it to report this way.
I would like to inform you that I continue to dispute the current status of the loan ( status=charged off ). On XX/XX/XXXX I disputed the status and the 3 month delinquency that was incorrectly reported to the credit bureaus, through XXXX. Ally Financial corrected the inaccurate delinquent payments it reported. Unfortunately I still do not agree and believe Ally financial had no legal right to charge of the loan. Letter dated XX/XX/XXXX from Ally was to inform me the loan was now charged off due to missed payments this information is incorrect furthermore Ive continued to make the monthly payments. Ally had no legal right to charge off the loan. They failed to conduct a reasonable investigation when verbally requested on XX/XX/XXXX with XXXX whom I was transferred to by another representative from Ally 's total loss department after contacting them at XXXX and assured me they would allow 30 days to attempt to resolve the pending GAP claim prior to charging off the loan ( documents have been included to show proof ) they provided inaccurate information about me to the credit bureaus and used fraudulent information in taking action to do so. My concern is that the lack of communication between departments or properly documenting pertinent information to be easily accessed among the different departments is resulting with substantial harm and inconvenience to its customers. 

Ally financial has violated provisions of federal Fair Credit Reporting laws by failing to provide accurate information reported to credit bureaus. 

On my last communication with Ally Financials Asset Recovery Departments on XX/XX/XXXX XXXX I was told by XXXX that the reason the loan was charged off was due to the deficiency balance after my Insurance company attempted to pay off the auto loan for payment amount Ally received and processed on XX/XX/XXXX if the details of that statement were accurate? why wasnt the loan charged off as of XX/XX/XXXX Instead Ally verbally confirmed the loan was charged off on XX/XX/XXXX. As I have not violated the terms of the loan agreement and the loan has never been in default why was the loan charged off?
On XXXX XXXX, 2015 I sent a certified letter to The Collection Connection to verify a debt they had on my credit profile. On XXXX/XXXX/2015 I received the following attached information from this collection stating this is the verification of this debt. As you will see that the signature on this returned check and the drivers license number on this check do not belong to me. If this check was written by someone other than myself should have checked the person drivers license name and picture against the actual name the check belong to the actual person whom name was on the check is not my fault. Also notice the signature on the check and on the document that I sent to this collection company is not even close or similar. On XXXX/XXXX/2015 I received a collection letter stating that they had put more negative information on other credit bureaus.
Several phone calls to all my family members and released my personal financial situation, I tried to resolve by asking payment options they have threatened garnishment and said they are unwilling to assist with payment arrangements, I had to State I would need to contact my attorney if they continued but then they wouldnt comprise at all, they call several times a day, use different names for myself that are not my last names and calling several people in my family XXXX XXXX XXXX
My issue with Nationstar pertains to a 30 day late payment incurred on my mortgage for a missed payment for XXXX 2014. The late was caused by me being defrauded by a man named XXXX XXXX, posing as a licensed mortgage professional to refinance my home, who ended up stealing over {$4000.00} from me. He insisted that I not make my XXXX 2014 payment to Nationstar as the new loan at a 2.99 % 30 year fixed rate was going to close and funds would be on their way ( See Exhibit A ). When Nationstar alerted me that no XXXX payment had been received, I let him XXXX know that I was going to make the payment ; he insisted that he had later spoken to Nationstar and all had been resolved and a check was on its way to them. Finally when Nationstar called me again and told me no check was received and I was 30 days late, I quickly made the payment. At that time I became suspicious and started to investigate the matter to find that there was no such refi loan in process I then discovered the individual was a convicted felon who had a history of defrauding people and had his Real Estate license revoked and had a cease and desist order against him from the Dept of Real Estate ( See Exhibit B ) He defrauded me by getting all my bank information and in addition to charging me for loan fees for this non-existent loan, he ended up using my bank account funds fraudulently and ran {$4300.00} worth of fraudulent charges. 

The XXXX Attorney 's office has also confirmed that XXXX XXXX XXXX has defrauded another XXXX people, for which they XXXX office is taking legal action against him ( see exhibit C ). As the XXXX office also suggested I also filed a law suit against XXXX XXXX ( see Exhibit D ), for which he failed to show up. 

You can contact XXXX XXXX, XXXX. Investigator at the XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX XXXX at XXXX who can inform you of the legal action being taken against XXXX XXXX. ( Refer to exhibit C )
They called from this number XXXX on XX/XX/2018 XXXX XXXX and XX/XX/2018 at XXXXXXXX XXXX. Its a recorded message left for a XXXX sounds like XXXX or XXXX to call Loan Depot. I called them to tell them they have the wrong number to stop calling. They informed me sorry but unless I have the loan number or SSN number nothing they can do. I said, How would I have that information? Its not my debt. Sorry. I said ok. I will just report you to the FTC or harassment and hung up. The return telephone number on the recording is XXXX
They have not properly validated this account as mine, nor provided enough information to be certain it even belongs to me. They keep sending same canned response letters.
Back on XX/XX/XXXXcontacted XXXX XXXX/collection asked them about this account # XXXX in the Amount of XXXX they advised me that they had Bought this credit card account from XXXX XXXXXXXX XXXX I advised them that the account not mine they look at the account that it was a valid account that I would with the CFPB case XXXX that was sent to the XXXX now the collection agency is caused my credit scores to Fall back in XX/XX/XXXXmy credit score XXXX XXXX XXXX they are now down to XXXX XXXX XXXX as of XX/XX/XXXX this Account was open on the Internet With out my Knowledge and yes there is a Police report made I also sent a letter of demand today by fax
Never received any correspondence from this company. This debt has been discharged through bankruptcy in   XXXX    2010.