WillisBack/dataset-financial-user-claim huggingface dataset:
I have a student loan with Wells Fargo that unfortunately became one of many bills that I was unable to keep up with due to a layoff experienced in late XXXX. I was laid off and unable to gain employment until late XXXX ( 11 months 300+ days ) and nearly lost my home, vehicle, and dignity, due to my inability of upholding my end of the bargain. Along with these issues and losing nearly $ XXXX per year in income, I also was unable to continue making student loan payments. As a result, my student loan charged off just weeks before obtaining a new job and receiving my first paycheck to avoid charge off. After re-establishing myself financially by saving my home through foreclosure prevention programs offered by the state, I 've been able to consistently make my payments as agreed. Wells Fargo has processed and performed a transaction on my account without any notice, knowledge, authorization or communication in the amount of {$2100.00}. This again was unauthorized. When I contacted Wells Fargo on XXXX at XXXX they advised me that they were unaware of unsure of why this occurred. I spoke to a supervisor by the name of XXXX said he would file a claim that could take up to XXXX business days and could not be reversed immediately because the Student Loan department was closed. I advised that I had made a recent transfer and that money that was deposited was to pay the mortgage of {$1700.00}. Wells Fargo has seen these recent payments from my account, because they are categorized utilizing THEIR VERY OWN Bill Pay Service, and they still would rather my family suffer the consequences of living on the street because they were unwilling and or unable to accept a student late payment to prevent a charge off. Not only was unemployment not a good enough reason to prevent charge-off and credit sufferings, they want me to lose my house as well. I thought I could trust Wells Fargo to allow me to regain my financial well being, not contribute to its demise.
At approximately XXXX SAST time I received an email from PayPal stating the following : " We recently noticed an issue with your account. 
... 
Because of this issue, your account has been permanently limited. We understand this may be frustrating and inconvenient but you'll still be able to see your transaction history for a limited time. '' As I have not had any recent sales in my account I suspected my account must have been limited in error. Funds coming into my account were for my salary from XXXX XXXX and were not sales. 

I reached out to PayPal support ( the correct department ) on 3 occasions on the XX/XX/2018. I was told they are not able to provide me a reason for my account closure and I could not appeal. I was also instructed that my monies ( salary ) in the account ( approximately {$1.00} XXXX USD ) would also be held for 180 days and my PayPal account would not be able to ever be used for any transactions going forward. 

I asked on all three occasions I spoke to PayPal representatives what I could do to appeal or help the process of getting my account reinstated, and I am still willing to send any documentation that may be required. 

I believe it to be very unfair to shut an account with no prior warning, with a reason for closure supplied that is false ( PayPal stating closure is due to sales ) and to withhold my salary - and also not allow any future salary to be paid to me through the platform. 

The account in question is over 10 years old and has never had any fraudulent transactions or sales to date.
Resurgent Capital ( XXXX ) submitted a claim on a credit card that the Statute of Limitation has run out. They have submitted a claim on my chapter XXXX bankruptcy that had a charge off date of 2003. I have prevously disputed the debt several times when they bought this debt from XXXX. They have not been able to provide me a verification of the debt, so this debt is not valid.
I made an EFT payment to XXXX XXXX servicing center for my XX/XX/XXXX Mortgage payment. They are a payment center for Freedom Mortgage. Freedom Mortgage says they did not get my payment and have called me every day. Every day I tell them it was sent and to please research. They say XXXX XXXX XXXX no longer services Freedom Mortgage and I am now past due. They have charged me a late fee and I do n't know what to do. they have been extremely unhelpful and continue to harass me for a payment I already made. I told them that if loan processing service no longer provides the service, they should have returned my money, but freedom refuses to help solve this mess.
On X/XX/17 I received a phone call from a man, who said his name was XXXX. He demanded that I provide my personally identifying information to him but refused to tell what the call was in regards to. I advised him that I would not provide that information to a stranger on the phone. He said that he was calling me from Clark County Collection Services but continued to refuse to tell me what the matter was in regards. I told him that he was required to send me something in writing. He claimed that he did something and I told him that I never received it and that he needs to send it again. He refused and continued to try and ask for my information. He then proceeded to tell me to come to his office in person while still refusing to provide anything writing. I told him I was not going to his office and I wanted something in writing. He hung up on me. I sent the company an email and let them know that I was filing this complaint.
I was contacted by kirkland Management in New York saying I was going to be served papers and be sued if I did not pay. I told him my personal money situation and he said he was being nice and offered me a lower amount to pay them. They do have my information, but their pressure to comply and threatened to serve papers if I did not call them before Monday afternoon ( this is Friday afternoon ).
Got loan for XXXX  back in XXXX to help with rent, started paying loan back on XX/XX/XXXX of XXXXdollars every Friday which is my payday. As of XX/XX/XXXX still paying already has taken XXXX  dollars from account next withdrawals on the XXXX. To me that's way too much to pay off for small loan.
I obtained a conventional mortgage loan from Navy Federal Credit Union ( XXXX ). The loan closed on XX/XX/2018. {$440000.00} at 4.625 % 30 years fixed rate. I paid 1 % loan origination fee and paid XXXX in points to buy-down the rate to 4.625 % from the original 5.125 % rate. 

My complaint relates to the deceptive and misleading manner which XXXX advertises its loan rates and terms on its website. The site advertises multiple loan products and teaser rates which are generally unavailable or available in very limited instances. For example, XXXX advertises 30 year conventional rates with 5 % down payment as low as 4.125 %. That rate may be available, under certain circumstances, for specific loan products. Unless a buyer knows of the limited circumstances which that loan is available, he/she is unlikely to obtain that rate, even if the buyer qualifies for that product. This dynamic creates an unfair burden for the buyer. When I spoke with XXXX, the response was you have the lowest rate. That may be a true statement, but its a misleading statement. XXXX should be more transparent in its disclosure. For example, if XXXX recognizes a buyer may qualify for a lower rate, it should disclose the conditions or loan product ( s ) that may provide the lowest available rate. This approach gives the buyer more information to make a more informative decision. Im disappointed with my loan process with XXXX. The bank may not have committed an illegal act, but its lack of disclosure and transparency is likely intentionally deceptive. Im asking for monetary compensation of {$6500.00} to reimburse me for the discount points I paid under misleading circumstances. XXXX has an obligation to be more transparent with its members. XXXX failed to meet that standard based on how it chooses to advertise its mortgage loan program.
Nationstar Mortgage, our lender, based in XXXX XXXX Texas, has collected in an escrow account for our property taxes and insurance. I learned today that our property taxes were not paid by the deadline and that thus far, {$70.00} in interest has accrued. I an very chagrined at the service I have received from Nationstar and this is just the latest issue.
The company sent me a letter that they purchased my debt account from the original company and that they were handling it and that I had 30 days to pay I contacted them told them that I was currently unemployed and that I had no income and here it is one month later and I 'm receiving paperwork to go to civil court over a debt I can not pay because I own nothing and I have no income how can they do this when I tried to explain if I had employment I would be happy to set up a plan but I do n't so how can I pay if I have no money and I live with someone else?
I purchased a pair of earings from a vendor named XXXX at a festival on XXXX XXXX, 2016. This purchase was correctly charged to my Wells Fargo XXXX XXXX card by the vendor for the sum of {$59.00}. I then decided to buy a second pair of earrings. This time the vendor fraudulently prepared the credit card slip in the amount of {$540.00}. The actual price for the earrings was the same as the first pair : {$59.00}. I did not notice the fraudulent change and signed the credit card slip. 
Please note the attached exhibit of XXXX 's inventory from its website at XXXX. Every item carried by XXXX is priced between {$27.00} and {$55.00}. It defies believe that anyone would purchase {$540.00} worth of merchandise from a vendor at a festival operating from a tent! I have made every effort to locate the XXXX company without success. There is no business address on its website and I could find no listing of any such business on file with the Georgia Secretary of State. 
I have reported this fraud to Wells Fargo twice. Wells Fargo has refused to adjust this charge.
I am not even 30 days late on my payment and Tower Loan called and left me a message was at work so I could n't get the call so Tower Loan XXXX XXXX Ms called my reference and told them that they were calling from Tower Loan and for me to return their call.
Late XXXX 2016, I was inquiring with my lender - OCWEN how best to payoff the loan without any problems, since I was planning to do this by XXXX 2016. In addition, I inquired about the payoff amount ( {$38000.00} ). I mentioned by phone to my lender - OCWEN that I would be paying off the loan in XXXX 2016 and that I needed to hold off on paying that month, since it would throw-off the new lenders payoff calculations. My lender - OCWEN was aware that I was about to payoff the loan in full in XXXX 2016, but there was a delay with my new lender and I ended-up paying off the loan on XXXX XXXX, 2016. I did n't think it would be a problem on my credit, since I discussed this issue beforehand with my lenders support staff and they agreed by phone to that affect. I 've always been in good standing with my lender OCWEN, up to this point, where I was paying off the loan and they gave me wrong information in terms of my credit being compromised. My track record shows that I 've always paid on-time and that has never been a problem. I was planning to retire on XXXX XXXX, 2016 after 24 years of service to the military and I was refinancing this loan before getting out. My credit score before this issue was approx. XXXX. My score dropped XXXX points because of this error. As a retiree, this is a major issue and I addressed this issue to their Research Dept. with no success. BTW, there were recorded phone conversations about what we discussed. I hope you can have my lender retract this credit report error so as a retiree ... .I 'll have peace of mind.
My interest rate has done nothing but go up and I feel I am being taken advantaged of at 12.12 % interest rate. This was for college. Navient has refused on previous attempts to refinance. As a student with no loan knowledge, things were not properly explained. Nor have I received any notification as to why my interest rate keeps rising.
On XX/XX/2018, XXXX XXXX has notified me that a hard inquiry has appeared on my account, which was not approved by me. I believe someone must have gotten my Social Security Number from the XXXX  hack and is trying to get a phone in my name. I have tried to contact XXXX XXXX XXXX to get the inquiry removed but keep running into brick walls -- website not allowing me to progress and confusing questions XXXX XXXX XXXX keeps asking me that do not help me resolve my issue. 

I didn't know what else to try so I went ahead and froze all my credit reports on XXXX, Transunion, and XXXX ; however, I don't think the Transunion freeze worked correctly because it keeps giving me an error that it can't confirm my identity. It is odd how XXXX and XXXX have found my files without any trouble but Transunion has not. 

I have not worked yet, so I have no employment history, credit score, or credit card accounts with any bank. I only have two accounts in my name that I opened myself for attending college.
In your response to my previous complaint, you stated that based on your " thorough review '' forbearance was requested after the loans were reported which restored my account to a current status from the time it was applied. Which does not allow a retraction of adverse credit information that was accurate at the time of the reporting. 

I have a notice from XXXX, datedXX/XX/XXXX that states you have received and processed my recent forbearance request. In addition to that, I also received the " Forbearance Loan Declaration '' which outlines the details below. 

DLSTFDXX/XX/XXXXApproved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX DLUNSTXX/XX/XXXXApproved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX DLSTFDXX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXXDLUNST XX/XX/XXXX Approved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX DLSTFD XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX DLUNST XX/XX/XXXX Approved : General Forbearance XX/XX/XXXXXX/XX/XXXX DLSTFDXX/XX/XXXXApproved : Delinquency Forbearance XX/XX/XXXXXXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX DLUNSTXX/XX/XXXX Approved : Delinquency Forbearance XX/XX/XXXX-XX/XX/XXXX Approved : General ForbearanceXX/XX/XXXX-XX/XX/XXXXAs  you can see, the loans that are being reported as past due were in fact approved for retracted forbearance. By failing to update previously reported information, XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the 2 accounts showing late payments fromXX/XX/XXXX- XX/XX/XXXXbe updated and/or corrected and removed to accurately reflect my payment status.
I opened case # XXXX on XX/XX/2016 because each month, since XX/XX/2016 SLS has been receiving my monthly payments on time but " losing them '' and then charging me a late fee as well as reporting late payments being made on my payment history, which impacts my credit score. In XX/XX/XXXX, SLS claimed the XX/XX/XXXX payment was late because it was returned due to an wrong account number. This is NOT true. The account number is the same account # I have had since SLS became my lender. The payments are sent directly from XXXX to SLS electronically. If you listen to the tape of the recorded phone conversation between XXXX at SLS and I XX/XX/2016 you will here her admit that the cashier made an error and that the payment was returned in error to XXXX. XXXX then told me that I needed to re-send the payment, which I did that very day and that they received it on XX/XX/2016 ( ref # XXXX ). She also asked me to send proof of payment, which I submitted via XXXX mail. I also notified them that on XX/XX/2016 they would also receive the XX/XX/XXXX payment ( ref # XXXX ) to ensure there was no confusion about how the payments received should be applied ( that it was not additional payment against principal but instead the monthly payments that are due ont he XXXX of each month ). I sent this notification and proof of payment to the address I was given by XXXX on XX/XX/2016 and that I have been using every month when they ask me to submit proof of payment. ( XXXX, XXXX, CO XXXX. ) Today, XX/XX/2016, I received a notice from SLS stating the proof of payment went to the wrong address and that I was charged a late fee of {$9.00}. SLS needs to remove the late fee and correct my credit reporting history. The XX/XX/XXXX payment was NOT late. They received it on XX/XX/2016 and they returned it in error to XXXX. Again, listen to the recording which I know was made of the phone call and you will here XXXX state that the cashier returned the check in error and for me to resubmit the payment as well as an explanation, proof of payment and the copy of the email XXXX sent to me notifying me the payment was returned on XX/XX/2016. Claiming that a payment was not made on time and then charging a late fee or claiming an incorrect address or incorrect account # was on the payment/check and then charging a late fee is XXXX. SLS has been doing this to me every month since XX/XX/2016 Furthermore, the excuse that a payment was not received due to an incorrect address is ridiculous since the payments are always sent electronically. An incorrect address is the excuse that the XXXX XXXX on XX/XX/2016 made for the " lost '' payment. I asked to speak to a supervisor since I was not getting anywhere speaking with anyone else in either the XXXX department or XXXX department. I want someone above a supervisor level to look at my account, process the payment correctly, remove the late fee, correct my credit reporting history and then send me written proof this was all done. I have always had a near perfect credit score and I will not allow fraudulent practices by SLS to charge me late fees and ruin my credit score.
BELOW IS A LIST OF COMPANIES EXPERIAN CREDIT PROVIDED MY CREDIT REPORT TO WITHOUT MY CONSENT THESE COMPANIES HAVE NO CURRENT ACCOUNTS WITH ME AND I HAVE NOT REQUESTED CREDIT FROM THEM. I HAVE ASKED FOR THEM TO VALIDATE THESE INQUIRES AND TO SEND ME THE PROOF FOR ME TO HAVE. THEY REFUSE TO DO ANYTHING BUT PUSH ME OFF. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
I have a first position HELOC that was originated with XXXX before the Wells Fargo buyout. During the recession that started in 2008 the line was frozen due to credit challenges I endured due to my being in the mortgage industry. I have never been late on any payment on the line since its inception with XXXX. Despite having enough time between negative entries on my cedit report and the present day to get a conventional loan, Wells Fargo will not un-freeze the line, even with a reduced credit line amount to the present balance. I have applied 3 times over the past few years. I believe this is becuase the original contract with XXXX has a interest rate of prime - .50 %. Their purcahse of XXXX did not give them the right to unduly burden the XXXX customers they acquired.
I contacted LexisNexis on XX/XX/XXXX asking them to send me proof of information they are reporting on my credit report. I sent them a copy of the letter I received from the Clerk of Superior Court stating they do not provide information to any Credit reporting Agencies and also proof that the debt was paid in full. I have not heard back from them as of yet and today isXX/XX/XXXX which is longer than 30 days allowed by law.
For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX XXXX..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular one - XXXX, XXXX XXXX & phone # XXXX & # XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX 2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX 2015.
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX, XXXX,
I have a account on my credit that shows charged off as bad debt when account was paid, I would like account updated correctly or removed from my credit report for inaccuracies
I have contact XXXX about this problem and also XXXX about this problem. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016. The account still showing Collection Charge off. Should not show that. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016.