WillisBack/dataset-financial-user-claim huggingface dataset:
I had made wire transfer of {$1500.00} on XX/XX/2018 to XXXX XXXX through wells Fargo bank XXXX XXXX branch. wells Fargo bank has guided the rule that IBAN number should be used instead of account number. the banker who did the wire was unaware of that and she used account number instead of IBAN. After that the Wells Fargo team self generated the IBAN number without my consent and credited the amount to generated IBAN. And IBAN created by them is XXXX and which is NOT CORRECT different from my beneficiary IBAN # XXXX. Now they are calming that we credited the fund to the right account. It's impossible to have 2 IBAN # for one account. My beneficiary is still calming that he has not received the fund yet. Now wells Fargo bank is saying that its the beneficiary and the consumer 's problem. They are saying that wire department is not taking responsibilities for the mistake made by them.I have been continuously making contact with Branch manager and the bankers involved in this case. But they are saying that I should provide the proof that my beneficiary has not got fund. If they had already credited the amount to wrong account number how can my beneficiary gets the money. I have no where to go from here and i would greatly appreciate any help from your part. I am the sole provider for my family as my dad just underwent XXXX XXXXXXXX and I that money was loan repayment for my dad 's load. I am in no position to make another payment of same amount as i pay for my family expense and my school too.
There is a debt on my credit report- collection, that is not mine. I have disputed it and the company that issued the collection agrees, this is not my debt. Yet it is still on my credit
Original Date XX/XX/XXXX Account was Re-billed XX/XX/XXXX in the amount {$2500.00} The charge was immediately disputed as an unauthorized charge with US Bank upon receipt of the statement the bank has refused to resolve this fraud. 

The card was Not present during this charge date and therefore the card was not swiped or was a card with a chip inserted, nor was there any Signature Authorization as corroborated by US Bank
On or around XX/XX/2018 I received a phone call from an individual claiming to be a representative of XXXX XXXX XXXX XXXX claiming I owed them {$1000.00}. I stated that I hadnt received any written communication in reference to the alleged debt they claimed I owed and stated that I had no intention of communicating with them via telephone and to put everything in writing. I received a letter dated XX/XX/2018 stating I have a past due balance of {$1000.00} and the creditor is XXXX XXXX. Account # XXXX. 
Lets make something perfectly clear. I OWE XXXX XXXX XXXX XXXX NOTHING. Ive never heard of them or done business with them. They continue to harass me on a daily basis, calling for fake local exchanges to mask there identy. As I stated I politely asked them to cease and desist telephone communication with me but they have blatantly violated my request. I owe these parasites nothing. They havent provided me any documentation that suggests that they are a legitimate company and not some SCAMMERS out to rip off an unsuspecting person like myself.
I have set up to an automatic check by phone with my mortgage lender TD bank. I have attempted to have this drafted on XX/XX/XXXX, they have lost the paperwork once, and after submitting again, still have n't corrected it. when i call, they say they it was n't drafted because its not due until XX/XX/XXXX, and I 'm paying early. i then explain I 'm paying early so it wont be late, they keep giving me the run around. I have spent hours on the phone with TD bank and cant anything accomplished, phone calls are never returned. Before I started this process, I found out they had mis-applied a payment, and were showing my account in delinquent status, because they posted one of my payments to principal instead of as a payment. I 'm not sure if my account was fixed correctly, since it happened 6 months ago before I caught it.
I took out a loan through Ford Credit for my car. Unfortunately, the loan was never presented in " regular fixed payments. '' The amount due would change each month. 
I would usually attempt to pay additional money each money in order to retire the balance earlier. But Ford would just deduct this extra money from the following month 's bill. Lately, they have failed to apply this extra amount at all and claim I 'm delinquent.
I received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX XXXX XX/XX/XXXX and XXXX   XXXX XXXX XX/XX/XXXX ( 11 years )
While applying for a mortgage refinance in 2013, Quicken Loans misrepresented my credit score by XXXX points on all XXXX credit bureaus and suggested that I enroll in their XXXX XXXX Program at a cost of {$200.00} plus dollars. While being guaranteed that the costs would go towards closing should I apply. I inquired about the discrepancy in the scores and was told that the scores I see for my personal credit monitoring is different than the score they see. While I had a qualifying score initially, my score was increased by satisfying some small debts ... However, each quicken loan representative I spoke with subsequent, refused to process my application without an additional cash payment. I can include names and contact numbers of those involved in this process.
Company was contacted personally. Discussed that permissions to conduct credit reports were not provided. Company disclosed a solicitation call was conducted.     I reinforced the issue requesting the inquires are removed.
I am Submitting this complaint with the CFPB due to TransUnion NOT being in compliance with the law of the FCRA section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On XX/XX/XXXX I sent a dispute letter to Transunion on XX/XX/XXXX, I received a letter back of dispute results stating that the company that reported the information certified to TransUnion that the information was accurate. I went back to the original company/ courts and a administrator told me that the court does not provide any information to the Credit Bureaus. I also was informed from the court administrator that the 3 major Credit Bureaus gather or claim to verify information from a program or companies called XXXX, XXXX, and XXXX. According to the FCRA this is NOT verification because neither one of these companies are 100 % the ORIGINAL furnisher of these records! An with TranUnion doing this it goes against my rights as a Consumer.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. I demand that with my supporting documentation from the original furnisher that all public records be deleted and blocked from my Credit Report immediately. 

Thanks
I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, XXXX XXXX and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against BERLIN WHEELER. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the  XXXX  credit Bureaus, (  XXXX ,  XXXX ,   XXXX    ) I  contac t Capitol one but they  could not trace any information. neither they would able to help me the issue please refer to credit report attach
on XXXX i called discover to see about lowering the interest rate on my account and was told it could n't be done but financial aid may be able to help. i spoke to XXXX XXXX XXXX XXXX who said i could be put on a program that would reduce my interest rate to 9.9 % o both purchases and cash advances for a period of 6 months. i noticed that each month the cash advance amount would increase. when asked why i was told all money after interest was applied to the lower purchases balance and the only way to decrease cash advance amt. was to get that balance below the purchase amt. XXXX checked with her supervisor and told me if i made a {$150.00} payment, that would bring the cash advance balance below the purchase balance and then any additional money after interest would be applied to the cash advance balance and to call back in a couple days to be put on the 9.9 % program.. i made a {$160.00} payment on XXXX/XXXX/16 after my regular monthly payment was made. i was told by XXXX that it would all be applied to the cash advance balance. before the payment was made the purchases balance was {$3100.00} and cash advances balance was {$3300.00}. when i called back on XXXX i spoke to cooper. after the XXXX payment the purchases balance was XXXX and the cash advances balance was XXXX when i explained to XXXX what XXXX had done, he said he spoke to her and his supervisor and that XXXX was mistaken and the balances were correct and there was nothing i could do about it i feel that i have been lied to. i understand the conversation was recorded and that discover has a record of what XXXX told me..
I bought a new computer and left for XXXX shortly after. While in XXXX, I tried to go online and pay my LL Bean Visa bill and, because it was a new computer, I had to enter a lot of information - which the system told me was wrong and I had to call Security. I did not have my card with me and could n't provide all of the information request. I had to wait until I got home. I called Barclay Card and after XXXX attempts and speaking with XXXX different people I asked where they got their information ( former addresses, formerly owned vehicles etc. ) and I was told that they outsource to a vendor to produce information drawn from my social security number and public records. I told them their records are wrong and demanded to know the name of the vendor. They refused to give me that information. There is information out there linking my social security number to someone else and this company refuses to even give me the name of the company they paid for this ( bogus ) information??? This is unacceptable. I need to get to the source of this misinformation.
SYNCHRONY BANK COMPLAINT I had a XXXX card serviced by Synchrony Bank. The servicing was then transferred to XXXX XXXX. I inadvertantly sent {$4300.00} to Synchrony Bank on XXXX XXXX. They received and cashed my check instead of forwarding the payment to the new XXXX, XXXX XXXX. I have called Synchrony Bank multiple times spending hours on the phone to no avail. I faxed a DISPUTE to them as per their request. I sent another copy via Certified Mail. I have never heard back from any of those DISPUTES. I called today and they can not anything in " their system '' connected to my name nor my payment of {$4300.00}. I want my money refunded.
On XX/XX/XXXX I went onto Capital One online to check my score through there credit wise there were Credit inquiries on my report that I don't recognize because I never authorized any of them or signed anything giving anyone any right to run my credit on the following hard pulls I am being accused of. 

XX/XX/XXXX XXXX through XXXX  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all on XXXX
I have requested in writing over a dozen times for the last year that Experian remove some incorrect addresses from my credit file. I was a victim of identity theft and still disputing some items on my credit file. Experian has ignored most of my request to remove the incorrect addresses on my credit file indicating that they were accurate addresses belonging to me. I also requested that they send me proof of this explanation from their company or the company who reported the incorrect addresses. I still have not received any documentation to prove I resided at or that I am affiliated with the above mentioned addresses.
A soft inquiry on my credit bureau report lead to a review of my credit card and Wells Fargo determined that my inactivity on the credit report was a risk and needed to close my credit card. Called Wells Fargo to discuss the situation. Wells Fargo advised that I could apply to have the credit card reviewed for reopen but they would have to pull my credit information again to see about reopening it. This seems like unnecessary credit pulling.
My home loan was modified by Ocwen Loan Servicing , LLC under the Home Affordable Modification Program XX/XX/XXXX. The modified payments included the loan 's principal, interest and an escrow account, and remained the same until XX/XX/XXXX for the payment due XX/XX/XXXX. This is due to the increase in funds for my escrow account. I was n't notified of this change. 

My escrow account is current. In fact, it had a surplus amount which is supposed to be mailed to me. I inquired about closing my escrow account, and was told that I can not do so because the HAMP guidelines suggests that borrowers ' accounts must be in escrow for XXXX ( XXXX ) years from the date of the modification approval. Is this true? 

Section 4D, Funds for Escrow Items of the executed Home Affordable Modification Agreement state that " Servicer may waive my obligation to pay to Servicer Funds for any or all Escrow items at any time. '' It seem that this statement contradict the information that I was given. Additionally, the executed agreement does not mention a XXXX year requirement period for an escrow account. Moreover, I was asked to google CFPB when I inquired about the HAMP guideline on the XXXX year escrow account period. What is CFPB 's relationship with Ocwen Loan Servicing LLC when it comes to my escrow account? 

Do I have the legal right to request Ocwen to close my escrow account? The loan account is in good standing, and the amount that they are now requesting to fund the escrow will cause financial hardship. Please advice. Thank you.
XXXX, XXXX and Equifax have continued to report information on my credit report, even though information has been sent to the agency that shows that judgement and ownership of accounts have been dismissed by a court. Additionally, all three credit bureaus have found ways to deter consumers from appropriately disputing items on their website. 1. I have attempted to file a dispute on their website for accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX. 2. When utilizing the online site for each credit bureau they presumably give you access to your " free credit report '' to dispute the charges. After going through the ropes of filling out the information which primarily is listed as not having any knowledge of the account and that I would like the credit bureaus to investigate and have each of these companies to adhere to the Fair Credit Reporting Act and verify all information, including but not limited to the open date the last payment date and a signature card or paperwork that would verify me as the account holder. 3 Once I completed this process, each reporting agency then funnels you to a section of their site where you MUST attach supporting documentation. In my case there is no supporting documentation because I have never known of these accounts let alone have any reasonable documentation that would assist in their investigation. 4. If a consumer is asking for a debt to be verified with specific documentation which would prove ownership, why would the bureaus requiere documents with this request. If I have no knowledge of an account and was never notified again, why would i have something to upload. 5. Therefore, the credit bureas would not let me submit the dispute and moreover they have prevented me from accessing the site again to file the dispute with a report number ( which was never generated ), since the site recognizes that I have already pulled my report and does not allow me to dispute my issues utilizing this service. 6. Attached you will also find documentation as it relates to a judgement listed on my XXXX, XXXX and Equifax credit report from XXXX XXXX County Court on behalf of XXXX XXXX. I have confirmed through XXXX via the CFPB data base that this information should not be reported and I want this along with all negative information that can not be verified to be removed immediately. 7. Additionally, I have also included information from The XXXX XXXX County Court where the XXXX account collection has been dismissed due to lack of proof of ownership.
I previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX/XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX   : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX : XX/XX/XXXX However, they sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.
I just received an ameratization statement and it showed an among due of {$4800.00}! I immediately telephoned and received differences in amounts due either by automated and person. Finally asked for supervisor and received more different figures, told to call my bank and trace the payments, did that and all payments show being made to the mortgage, none returned. Telephone the mortgage company OCWEN with response from bank and giving them the 'dates and amounts of the payments ) and they ca n't tell me anything other than the money was returned, we did n't have permission to make XXXX payments, and they ca n't override their system to accept any payment other than {$4800.00}, due to the account is more than 87 days delinquent, yet now at the end of the call they want another {$2900.00} for a shortage in the escrow!! What can I do?
I keep applying for a dismissal and first they lost my paperwork and said it was n't in the system. I applied again and was turned down because my XXXX letter from social security said my review was every 3 yrs not XXXX plus years. I 'm a XXXX XXXX patient. I also sent in my income which is XXXX a month. I was told by XXXX if I get a part time job I 'll loose my Medicare. My meds are over XXXX a month. It took me 3 yrs. To get my Medicare because of my age. I 'm on XXXX XXXX. I also went to XXXX. That school closed long time ago. I 've rejected XXXX and XXXX I 'm fighting for my life. I ca n't pay this loan at all. Please help me.
On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, SD pulled a credit inquiry on me that I did not authorize.
Georgia State Tax Lien was placed on my Equifax credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XX/XX/XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Equifax but the refuse to remove the lien.
When I answer, the person gives me a name, but refuses to state WHY they are calling. I do know that I owe 2 companies that I plan to pay ; however, when this number calls, they just keep asking ME my name, etc., and refuse to say who they are calling for. 

I therefore am not even sure if they are calling me correctly, for whom they are calling, or who they are. 

It is hard to discuss what I assume is a debt when they do not say what company they represent. They also call SEVERAL times a day, including while I am at work and can not answer the phone.
XXXX XXXX, 2017 CFPB : JPMChase needs to provide me, for ARM Loan XXXX, the Documentation for the amounts : Total Fees Assessed {$1100.00} ; Total Fees Paid {$480.00} ; Total Fees Waived {$690.00}. These amounts appear in JPMChase ' Response dated XXXX XXXX, 2017, to CFPB Case XXXX, which has JPMChase Reference Number XXXX. JPMChase took ALL my Financial Documentation, including, but not limited to, ALL my Mortgage Documentation. I require Documentation, including JPMChase Internal Documentation, if necessary, to explain these three ( 3 ) amounts. If Documentation is not provided to explain every penny of these amounts, then I want JPMChase to refund to me the {$480.00}, that, JPMChase asserts, I paid. Said Documentation is to include ALL Computations involved, including Intermediate Results. <P/>Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX
A balance transfer was initiated with Barclaycard on XXXX/XXXX/XXXX based on a promotion they sent sent for 3.99 % promtional interest until XXXX XXXX. On XXXX/XXXX/XXXX they opened a case to reverse {$950.00} that was mailed via check to XXXX. On XXXX/XXXX/XXXX XXXX cashed that check. 
Attached is the check Barclaycard sent and my transaction statement showing that it was deposited into my XXXX account. On XXXX/XXXX/XXXX Barcaycard sent me letter that they closed this open case. But they have not " recovered the {$950.00} '' from XXXX. As of today XXXX/XXXX/XXXX the XXXX is still in in XXXX account. I need closure to this balance transfer reversal fiasco and need to know the date they will recover the {$950.00} from XXXX since they reversed the balance transfer ( and not with my permission in writing I 'll add ) Thank you XXXX XXXX
Someone either applied at capital 1 in my name or capital 1 ran my credit themselves, I DID N'T AUTHORIZE IT.
I 'm still own my home and am current on my payments. I tried to dispute my Mortgage payments for XX/XX/XXXX, but all XXXX credit bureaus denied my dispute, because I filed bankruptcy. XXXX XXXX refuses to recognize that my house was not included in the bankruptcy, because I did not REAFFIRM the debt. I RETAINED my house instead. Under Chapter XXXX. See, 15 USC & XX/XX/XXXX of the Fair Credit Reporting Act. I 'm allowed to report my payments once a year to all XXXX Credit Bureaus.
Portfolio Recovery has called numerous times on numerous occasions at my job. I receive at least 5 phone calls a day everyday. they called on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. I've asked them to stop calling my job but they continue.
Credit Management , LP, ( doing business as ) The CMI Group, is in violation of 15 U.S.C 1692-1692p. On XX/XX/2019, I XXXX XXXX do swear that I received a phone call at work from a Representative of Credit Management , LP, ( dba ) The CMI Group in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692d. 
The individual calling did not acknowledge his name or the name of the Entity in which he was calling from, in violation of of 15 U.S.C 1692d ( 6 ). I was unable to talk at the time of the initial call, so i called back and spoke with a young lady by the name of XXXX. 

I verified with her my name, and the number in which i was calling from. upon locating a reference number, XXXX would not continue the call unless I provided her with additional personal information which i refused to due. She ended the call quite abruptly with me after not given the reason for the initial call from Credit Management LP, ( bda ) The CMI Group.