WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of 2015 I requested assistance from their Home Preservation department, because I became unemployed. Under the plan terms and conditions, I agreed to make partial payments to Wells Fargo until I could make full payments, or refinance my mortgage. At the end of the plan term, I successfully completed refinancing my home. The initial documentation that I received and submitted to Wells Fargo states During the plan period : We ( Wells Fargo ) will report to the credit agencies that you are paying your mortgage under a partial payment agreement with us. However, per my credit report, it appears that they have reported that payments were paid late for 12 months, instead of paid partially. Im disputing Wells Fargos reporting because they did not clearly indicate that they would report every payment made under the trial period as late. The wording on the documents attached literally state we will report to the credit agencies that you are paying your mortgage under a partial payment agreement with us. I would also like to point out that during the time that I entered the plan, the Home Preservation department was a new entity at Wells Fargo. I talked with 3 different Home Preservation Specialist who handled my case, and stated that due to the newness of the department, policies and protocol was constantly changing. I feel that I was not provided with the correct information at the initial agreement of this plan, which could have affected the outcome. I feel that Wells Fargo should amend or correct their reporting in a way that reflects what I initially agreed upon. I have since contacted the Better Business Bureau, to which I have gotten no results. at this time Wells Fargo still Believes that they have reported fairly, despite the inability to accurately inform me as the consumer.
On XXXX XXXX 2016 I checked my TransUnion credit report on XXXX and had a total of XXXX hard inquiries removed from my credit report. The inquiries that were removed are as follows : 1. XXXX XXXX : XX/XX/XXXX 2. XXXX : XX/XX/XXXX 3. XXXX XXXX : XX/XX/XXXX 4. XXXX : XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX : XX/XX/XXXX 7. XXXX XXXX XXXX : XX/XX/XXXX 8. XXXX XXXX XXXX : XX/XX/XXXX 9. XXXX XXXX XXXX : XX/XX/XXXX 10. XXXX XXXX XXXX : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX : XX/XX/XXXX 12. XXXX : XX/XX/XXXX 13. XXXX XXXX XXXX : XX/XX/XXXX 14. XXXX : XX/XX/XXXX 15. XXXX XXXX XXXX of XXXX : XX/XX/XXXX 16. XXXX XXXX XXXX : XX/XX/XXXX 17. XXXX XXXX : XX/XX/XXXX 18. XXXX : XX/XX/XXXX 19. XXXX XXXX : XX/XX/XXXX I checked my account on XX/XX/XXXX and all the hard inquiries were placed back to my account without sending me a reinsertion letter as required by FCRA Section 611. I have been calling TransUnion ever since and received no help. No one will transfer me, no one will connect me to an American representative or the fraud department. Multiple agents have been rude and unprofessional, some have told me that they know what happened but it 's basically to bad and I should simply file a complaint because they will not fix it.
HSBC Bank USA has begun charging a fee when you pay your Mastercard bill, on time. 
This was written in small print to begin XX/XX/2018 without any reason given. Though only a dollar ( on my credit card bill ), it could increase without warning. 
I went to the bank, spoke with the banker and the teller. They claimed to know nothing about this. When I phoned, only robot offers given for responses. 
HSBC gives very little interest, even on a {$40000.00} savings. The Mastercard web site mentioned that the bank is responsible for the fee, as the issuer of the card.
I have been making the minimum payment on this card ; however, the creditp r (   XXXX    XXXX    XXXX   ) ha s been reporting my account late from  XXXX  2017-  XXXX   2017 . I was not notified nor did I receive any correspondence of the account being late and their is no reason I should have considering the payments were being made on time.   XXXX  Upon disputing the inaccuracy the comany only sends letters stating the reporting is accurate ; however, they will not provide me with any documentation stating that it is accurate.
This will be going to XXXX XXXX XXXX  as well as XXXX. I have also sent a copy to CA Attorney General. XXXX XXXX XXXX. Yes you changed the terms per in writing Giving 6 months to pay off interest free As on a XXXX loan I have paid you XXXX and still seem to owe XXXX. And as I have stated multiple times. The agreement was to make a payment once a month. You received a payment in XXXX and XXXX and reporting late on Credit Report. Now when you changed the terms of it for to be 6 months interest frXXXX XXXX payment. It did not specify a dollar amount. Now I had payments of XXXX that wXXXX XXXX XXXXyment. I never receive a bill and can not pay online. I still do not have receipt of XXXX payment I had to make over the phone. You changed the terms, which is fine but you can not change terms, not be specific and expect me to be a mind reader. If I pay XXXX in one month and XXXX in the next it does not matter as I am paying it. And you can not report late when you change the terms, then do not specify amount or send statement or bill with what you were expecting. one payment for me was XXXX then you say you meant something else. Now while I appreciate I have til XXXX to pay this off interest free. You can not report late pay when I pay as you I understood what you were writing and then you say you meant a different amount. I will not be penalized and I would have paid a different amount as too not affect my credit.
I want to file a complaint against the credit reporting agency Experian due to a Persistent Dispute Remark/Notation that they are refusing to remove off my credit report. I was in the unwriting process of a home mortgage when I received a call saying I have been denied due to a Persistent Duspute Remark on my credit report on a PAID IN FULL COLLECTION ACCOUNT. The lender advised me to call Experian and the Credit Card Company. I have made several calls and attempts to get this resolved and explained the situation. The first 3 times I called I was told that Experian had to contact the Credit Card Company to get approval to remove which could take 30 days. I called the Credit Card Company XXXX XXXX XXXX which told me they couldnt remove the Persistent Dispute Remark without account being paid in full and a letter from me requesting the removal, so paid the account IN FULL and I faxed them the letter. So i called them back and they told me they still couldnt remove the Persistent Dispute Remark bc Experian would have to do it. I made 4 more attepmts back to calling Experian and explaing to them that I have been denied a mortgage loan due to this Persistent Dispute Remark and what the XXXX XXXX Credit Card Company told me and that they are holding my credit report HOSTAGE by not removing this Persistent Dispute Remark/Notation. XXXX with Experian told me they called the XXXX XXXX XXXX Credit Card Company and the Credit Card Company told her the would not give approval both XXXX with Experian and XXXX XXXX, pretty much told me " oh well go pound dirt '' they understand that with the Persistent Dispute Remark continuing to stay on the report will cause me to not get a mortgage but there was nothing they could or would do. XXXX with Experian proceeded to tell me that it was against their policy to remove the dispute remark. Saying there are some situations where their policy would do it but this wasnt one of them. So me and my XXXX children living on the streets bc of a PERSISTENT DISPUTE REMARK/Notation on a PAID IN FULL COLLECTION ACCOUNT isnt a good enough reason for their removal policy. I really feel they are holding my credit report XXXX and my life and my children 's life are in their hands and they can play with it. This has been extremely stressful going through this process when neither the XXXX XXXX XXXX Credit Card or Experian will help me but they will play with me, XXXX, cause me to miss hours and days off work, and lose my down payment and all other expenses ive paid into getting a new home for me and my children. I dont understand how they are allowed to ruin and play with other peoples lives and money like this. My credit report is being held HOSTAGE over a PERSISTANT DISPUTE REMARK/NOTATION on a PAID IN FULL COLLECTION ACCOUNT. Please help me and/or tell me what else I can do. My XXXX children and myself will have no where to live if I cant get this Persistent Remark removed off my Experian Report and close on my home by the end of this month, XXXX XXXX, 2016. Thanks for your time. 
XXXX XXXX
Ive disputed four accounts with this company and they refuse to delete incorrect accounts. Ive even provided letters of deletion to the credit bureau advising to delete info and they refuse to cooperate
I tried to get all credit bureau to get this collection agencies to verify that I owe the debt multiple times, by having this collection agencies mail proof that I owe this debt, and more importantly document showing that they have the right to collect on this debt. Instead they continue to come back with a resolution that they have verified the information as correct on my credit profile. However no proof from such collection agencies that I owe this debt are being provided. I would like a hard copy to be mailed out to my address from this agencies showing proof NOT a bill or last statement as previous.

This collection agencies must show evidence of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is their authorization of law for their collection of information?

What is their authorization of law for of their collection of this alleged debt?

Please evidence their authorization to do business or operate in the state of New York.

Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Until these validation is proven and complete the to my and law satisfaction, I will be continue to seek proof of such debts from collection agencies.
I asked city bank for hardship modification because i was going over some family problems. i was approved around XX/XX/XXXX, but when it came time to make my monthly payments i was instructed by a city bank representative that i had to do my payments online and that it was the only way to make a payment. i will call several times every month to make a payment but the only only answer that i would get from the representative was follow the instructions online which i did but nothing would work. I let the representative know about my problems but their only advice was there is nothing we can do and keep following the instructions. I have never denied my self in making a monthly payment, but city financial does not want to take my payments except on line. I received a letter from XXXX XXXX XXXX/XXXX/XXXX Homeowner support specialist which i have been trying to contact since without luck. on XXXX/XXXX/XXXX i received a Foreclosure in process statement for lack of payments. city bank would not take into consideration that i was approved for hardship modification loan. city bank does not want to work with me.
XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX   Account was actually opened on XX/XX/2008 accounts have been closed I need to remove it out if my report if they are multiple closed accounts when it was only one opened.

This account has been taken over by XXXX XXXX. I'm a single parent and this impacting my credit score which I'm trying to improve. I don't see why it should continue if Accounts have been CLOSED
There is an credit card account that is stated as XXXX days late on my credit report when it was deemed not late by the credit card account company.
An account is listed on my Experian Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Experian has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX  . I have contact Experian multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  Civil Court Judge that this case wa s Settled on   XXXX   XXXX   XXXX  . A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account.I also called Experian on today about this matter and the Representative that I spoke with stated that they do n't ask for documentation to verify that someone owe a debt. They just send the information to the collection agency and they selected if they verified it or not. Which is a violation because under the FCRA to have properly verified the accuracy of an account listed on my credit report.
When I applied to go to school at the XXXX XXXX XXXX XXXX in 2006. I chose to shoot for a XXXX degree in XXXX. I did n't have any job at the time and living with my parents. After applying I was immediately accepted and offered a starter pack of all types of art supplies to begin my " journey of learning and creativity '' It did n't dawn on me until now as I look back and see how friendly the staff was when they had me signing all of this papers for loans. as I attended classes which I constantly questioned my self if they really related to what I was striving for. I constantly was called in the office to sign paperwork for " tuition '' which the staff assured me I would not have to pay back. 
After two years of racking up debt and attending mediocre classes with pessimistic instructors, I was called in the office with a counselor and was told I could not attend the school anymore that I needed to go get general education classes somewhere else and return in a year to reapply to the XXXX XXXX. Wait, what. Not knowing better I discontinued going and went on with my life I left it at that. I began to work and became a productive citizen. After a year of being kicked out I began to receive call from collection agencies about this loan. I was unable to pay rent at the time let alone student loans. After the years have gone bye and applying for deferments and forbeance I find myself with all this debt I certainly was not aware it would blow up like this. After doing research and knowing the XXXX XXXX has been involved in many predatory lending I strongly believe I have been a victim.
I have pulled my credit reports recently and have noticed 2 inquiries that I did not authorize the inquiries are as follows XXXX  Requested XX/XX/2017 XXXX XXXX Requested on XX/XX/2017
Said people were Going to come to my house because I didnt return my call, The ladies name was XXXX. I have the calls all recorded and will be contacting an attorney. I was also advised to file a complaint with this Website and with my Attorney Generals Office.
As part of the agreement I entered into with Discover for a credit card, I was offered an additional incentive where they would credit my account with additional cashback rewards at the end of my first year. Once the first year came to an end I called Discover to confirm that those rewards were coming my way, and also to verify the amount. 
This is the transcription of the video recording I took during that phone call. 
XXXX : I wanted to just confirm one more time on the last thing we talked about, you said that all of the cashback I got from the last year was about {$350.00}, and then in a month or two I 'll get double that credited to my account? 
Discover : Yes sir, that is correct. 
XXXX : Okay, great, just confirming one more time, thank you. 
Discover : You 're welcome sir, have a wonderful evening. 
END As of today, XXXX/XXXX/2016, my end of year cashback rewards have populated on my account, but not in the full amount explained to me over the phone. The amount they credited was {$360.00}, this would be the amount referenced in the above dialogue that should have been doubled, but was not.
Please do add a fraud alert on my credit report. This is hurting me finding housing and purchasing a car. 

Things I asked you to delete you refused to acknowledge or delete. 

I did not request you add this alert.
I am disputing a transaction ( please see below details ) charge to my checking account. I do n't have a product or service with the company charging my bank account, however, Wells Fargo is closing my dispute, stating I need to deal directly with the merchant. 

XXXX XXXX/XXXX/16 RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX XXXX CARD XXXX Open Canceled service or merchandise XXXX/XXXX/16 Cancel
In  XXXX  a tax lien was filed against me in  XXXX   County Superior Court.  This tax lien was released in  XXXX  and should have been removed from my file 7 years from the date of filing ( which would have been  XXXX   XXXX ,  XXXX  ). Both   XXXX   and Equifax are refusing to remove this from my credit report.
Commonwealth Finance placed a collection on my credit reports in the amount of XXXX. 
This collection has been reported and deleted multiple times from several other collection agencies and found to be a fraudulent account. Now, Commonwealth Finance is reporting the same fraudulent account that has been deleted numerous times by other companies. 
I have a fraud alert on my credit reports due to this. 
I have filed complaints with the TX & PA Attorney General 's offices and well as the BBB. This fraudulent collect MUST be deleted. 
Prior to the reporting of the collection I have never received any type of communication from Commonwealth.
This will be another attempt to get Portfolio Recovery associates to remove the erroneous collection they have reported to the credit bureaus. They are stating that the account ending XXXX with a social security number ending in XXXX is being correctly reported. I have NEVER had a XXXX XXXX account nor does my social security number end in XXXX. It ends in XXXX. Can they please remove this ONCE and FOR ALL?
On XX/XX/XXXX I called in to Citi bank credit card customer service. I wanted to inquire about doing a credit line increase on my credit card. I ask specifically if I wanted to do this first if there was a hard inquire or soft. I was told it would be a soft inquire. 2nd I asked if this is something that I need to call in to have done or can I do online. I was told on line or calling in. I choose to go online and it told me that there would be no hard inquire pulled I went ahead and input my information and then I was told on the next screen that I would be notified of the decision. I later that day received an email saying it was approved. Now today XX/XX/XXXX I am getting alert stating that my XXXX  credit report was hit with a hard inquire from CB. I called to asked about this and was passed from person to person and then told that the inquire must have been a mistake and it would be stuck on my report.
I received notice that my mortgage was being sold to Freedom Mortgage back in XXXX 2016, so I called my current mortgage company and asked how XXXX 's payment would work since I had it set up as auto pay. I was told by my old company I would have to pay Freedom for the month of XXXX and they would not auto draft the funds from my account moving forward, so I immediately called Freedom to schedule payment but was told they did n't have all of the documents ready to set up payment but I legally had a 60 day window to the month of XXXX and it would not be counted against me, so I did n't worry and finally everything settled and XXXX 's payment was payed on XXXX XXXX. Boy was I wrong to let my guard down nowhere it is XXXX 2016 and I 'm trying to refinance front om FHA to a conventional and have been told by Freedom I 've been denied based on delinquency from XXXX. I am beyond frustrated because I have never been late or missed a payment prior to my loan being transferred which was out of my control, how is this legal for a company to penalize me when I was in the 60 day window? I am lost as to what I can do I 've tried explaining this to them but they keep giving me the run around, what are my options?
There is a pending foreclosures sale date XX/XX/XXXX. Despite the fact that. 
1. A timely request for validation was sent to Nationstar Mortgage ( " NS '' ). ( The principal amount due, the principal balance is disputed. ) Please provide a proper ledger from the inception of the loan and mortgage with a proper chain of tittle. 
2. NS is foreclosing on Loan # XXXX on behalf of XXXX National Association, As Trustee ( " U.S. Bank '' ). No record have shown that XXXX is the owner of the loan or the mortgage. U.S. Bank in 3 separate occasions have denied ownership of loan stating that they are a " mere trustee '' to the investors to the loan ( NS or XXXX have standing in this foreclosure action and it 's Authority is disputed ) see attached exhibits XXXX. The 6 year statute of limitation have expired to collect on this debt. NS 's Attorneys continue to harass me with debt collection letters. 
4. Excess fees added to the loan after the loan has been accelerated are illegal. This alleged loan has been accelerated on or before XX/XX/XXXX by XXXX. ( see attached exhibit " A '' 5. NS will not assist approve a modification claiming that already had a modification. However, Modification was approved by XXXX. but was not acknowledge by XXXX after it was transferred. That resulted in voiding of the contract. XXXX later apologize but would not restate the modification instead transfer the loan to NS.
Well we purchased our home in 2007. We ran into financial issues and called Wells Fargo for assistance. They told us of a loan modification program. They said in order to qualify we would have to be behind in our mortgage. We were current at the time but knew we would be falling behind. With that in mind they encouraged us to fall behind ( so we did prematurely ) then called in as instructed. They stated to pay a certain amount which was less than 700 dollars for about 6 months ( along with a financial hardship document with our debt to income information ) and at the end of that they would have a proper mortgage payment for us ( well address it ). We paid that for months half way through the process we received letters talking about our mortgage being behind. We called on several occasions that it was nothing it is just customary to receive those during those times. Well the 6 months ended and they stated they couldnt provide us of new terms yet. They did and set us up for another 6 months shortly after we started the new program we had a Sheriff knock at the door stating we should get out of the house. We were completely blindsided and we were in foreclosure and they stated we werent. They lied about everything. I have everything recorded from my phone that I have transferred over started recording after we started getting the foreclosure letters and they stated everything was fine. What really sucks is that we had to pay an attorney in XXXX who acted on the behalf of Wells Fargo to get the house out of foreclosure which was never really in that process ( according to what they said ). 60 percent of what we paid were attorney fees and Wells Fargo fees. We pulled from our 401 k got penalties there and during the process our credit was run through the mud all of our interest rates went up and closed accounts. I would have never gone down that route if they didnt push me to do it. That process ending up costing us a lot. What is funny when I called the on it they completely removed any record of this on their books. When I asked for a statement they sent me everything but when I was on the program. It is almost like they were trying to cover it up. Wells Fargo should at least give me back my attorney fees for their false process. The measly XXXX the government forced them to pay last year does n't cover the other XXXX in attorney fees. Pain and suffering should be thought of too. I have all of the documents and recordings of Wells Fargo just did n't upload them want to see what can be done first. I have submitted this before they are not telling the truth about what they did and their process.