WillisBack/dataset-financial-user-claim huggingface dataset:
Re : Wells Fargo Home Mortgage Loan # XXXX - XXXX XXXX Please be informed that the above listed Loan with Wells Fargo Home Mortgage Loans was modified and reinstated In XXXX of 2016. I have requested that my new payment information to be updated with all the credit reporting agencies to reflect my new credit and good standing. However, when verification of this information was requested from both XXXX and XXXX, Wells Fargo failed to inform them of my reinstated loan and current payment status. This negligence on the part of Wells Fargo Home Mortgage Loans has had a negative impact on my credit file, and credit score since XXXX of 2016 when the mortgage reinstatement documents were signed by myself and Wells Fargo Home Mortgage Loans. 
Please correct this misinformation immediately and provide XXXX and myself with proof that my credit file accurately reflects my reinstated mortgage loan as of XXXX 2016 and all payments made by me to my account # XXXX in XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016 as of XXXX 2016 my loan should reflect 5 months of new activity but there is nothing. 
The Fair Credit Reporting Act states that this information should be reported and reported accurately as it is my right. 

Please forward to my address below written correspondence that this has been corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
On XX/XX/2019 I was scammed when buying a purse from someone on XXXX. The person told me if we can do the transaction through XXXX which was secure. And her bank chase had it. She said nothing to worry about youre money back is guaranteed. And everything was all a scam never got anything try calling back the person the number was disconnected. My bank also Chase couldnt help since they said the transaction was authorized. It is very frustrating! I just lost {$470.00}. I also went to the police department and file a report. And the reason why I knew it was a total scam was because the person had re-posted the bag for sale the next day Saturday.
I was moving to in XXXX of 2016 XXXX and on the way there I got a call saying my card was being used XXXX where I used to live. I told them it was not me and to cancel the charges. come to find out the canceled them then put them back on my card with out telling me. XXXX of my purchases on the way XXXX was a Hotel room XXXX a day before the first fraudulent transaction happened. I was clearly not any where near XXXX when those purchases were being made and bank of america refuses to accept my claim.
I have been working with OCWEN Loan Servicing LLC Ombudsman 's Office since XXXX XXXX, 2016 in an attempt to correct an issue brought about regarding my loan modification, and incorrect information being transmitting to me by the Relationship XXXX XXXX regarding the status of the modification, and where payments that had been tendered by me on my loan were being credited. The recordings of my conversations with XXXX XXXX from the end of XXXX 2016 through XXXX XXXX, 2016 have been pulled by their supervisory staff and listened to, and verified that I had been given incorrect and false information about my next payment date being XXXX 2016. On XXXX XXXX, 2016, I was informed by XXXX XXXX 's supervisor, XXXX that XXXX , XXXX had " misinformed '' me of where my XX/XX/XXXX and XX/XX/XXXX payments were credited, and they needed an additional {$2400.00} from me to complete the modification. I had been informed XX/XX/XXXX that the modification had already been approved, and had signed the modification agreement as instructed.The issue has gone on for the past 7 wks., and Ocwen does not want to recalculate the figures for the modification since my XX/XX/XXXX payment was credited to " the account '', and NOT towards the modification as told by XXXX XXXX XXXX me, nor was the XX/XX/XXXX payment credited towards the trial payment as told to me. Ocwen has outsourced there customer service in large part to employees in XXXX, but refuses to stand by their misdirection and mistakes. I can confirm this due to a similar problem about XXXX yrs. ago brought to your office regarding misinformation given to me from their XXXX office of a credit of {$2300.00} due me ( according to their relationship manager ), in which Ocwen sent me a check for the supposed overpayment. About 7 days after I received and deposited their reimbursement check into my account, they discovered " inhouse '' that their employee had made a mistake, and they immediately stopped payment on the check and caused over {$3000.00} overdraft in my account. It took almost 10 1/2 months and the involvement of the Attorney Generals Office to force them to stand behind their mistake. THIS situation SHOULD NOT HAVE TAKEN 7 WEEKS AND XXXX SUPERVISORS TO CORRECT, while I am still getting the run around from their supervisors! I am attaching pertinent documents FYI. Their actions in the past case was deemed " illegal '' since it was discovered they had reversed a prior loan payment sent my me to actually " refund '' monies to my bank for the overdraft, INSTEAD OF USING THEIR OWN OCWEN FUNDS. Please Help!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Fraud Department XXXX XXXX XXXX I am writing to dispute the following information that your company provided to credit bureaus. 

This item credit inquiries on credit reports is fraudulent, on XX/XX/XXXX because my identity was stolen and i did not authorize my credit to be ran. I am requesting that XXXX XXXX XXXX and have the inquiries ( s ) removed. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Police Report
On XXXX XXXX, 2017 I went to Western Union to send money to a family member in XXXX for the urgent payment of school/exam fees. The intended recipient went to a location of Western Union in XXXX to collect the funds, but the payment was denied saying : " The payment was on hold ''. 

I immediately called Western Union from my home office and they requested to call me on the phone number that they had on file for me ; which I gave them the go ahead to do. Having called me ; all I was told is that Western Union has denied the transfer and that I will be refunded my money. I asked again for an explanation and the person I spoke to had nothing to say to me except that Western Union had denied transferring the money. 

Since I am a law abiding citizen of the United States, and that Western Union is accepting transactions from other resident aliens and citizens, I am of the opinion that I have been discriminated against. They have without any grounds refused to carry through with the service I paid for.
I have called the company responsible for reporting an account in " Open '' status multiple times over the last year, at least 5 times. Each time I call they refer me to XXXX who maintains they only report what they are given. There is an account that has settled in bankruptcy a year ago, and the company each month since then reports it as " Open Collections '' status and it should be " Closed '', as this was included and closed in bankruptcy.
I am being charged a {$34.00} insuffivient funds fee for check # XXXX I see this as un fair practice due to the fact that this check actually cleared way past business hours on Friday XX/XX/2017. I know this for a fact because I sent out a quickpay payment to my brother in the amount of {$34.00} at approximately XXXX. He then asked me around XXXX for another {$10.00} in which I logged in to see If I was able to lend him the money. I then realized i did not have an extra {$10.00} in which at that time the {$59.00} check had not posted. By Chase policy cut off time for quickpay iss XXXX. I see it very unfair if they are waiting for XXXX to charge checks to get a {$34.00} fee out of it. It is wrong and unfair to the consumer and point blank robbery. And im sure everytrhing is time stamped in transaction histories and log in histories so all this can be checked it is a fact. JP Morgan chase used to be a fair and convenient bank. With new policies and procedures it is not even worth to bank with them Anymore. " Courtesy refunds '' should be for clients and situations in which the client purposely overdrafts their account or has an emergency not for situations like this current one in which the financial institution cashes a bank past business hours in an unfair hour. You shouldnt expect someone to run to an ATM past XXXX.
After carefully evaluating items on my report, I discovered multiple fraudulent items listed on my report. I am a victim of recent identity fraud and need the fraudulent items blocked immediately.
I call TransUnion to help me and they refused to help me with some Inquiries that I did not give permission to run my credit. which give some Hard inquiries on my credit. 


1. XXXX XXXX - XX/XX/18 did not get my permission 2. XXXX XXXX XX/XX/18 did not get my permission. 

XXXX. XXXX XXXX XXXX XX/XX/18 did not get my permission. 


XXXX. XXXX XXXX XX/XX/18 did not get my permission
I applied for a mortgage from quicken loan, they did  XXXX  times hard inquiry during 2 months period, with out my authorize,  XXXX  in  XXXX     2016  and other  XXXX  in  XXXX   2016 , they did the  XXXX  hard inquiry after they cancel the pre approve, i never get the loan and my score dropped  XXXX  points, I filed a dispute with credit agency, they did n't solve the issue.
In response to complaint  XXXX  AMERICOLLECT  XXXX   XXXX  ACCOUNT  XXXX  To Whom It  May  Concern : Your company have violated the provisions of section  XXXX ,  XXXX  ( a ) (  XXXX  ), or  XXXX  ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ;  XXXX   XXXX  Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA  605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible. Thank you.     XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX  COURT  XXXX ,  XXXX , FL  XXXX
This is the second XXXX XXXX XXXX XXXX XXXX home security system collection company I do not owe this money I made a change of address they made a mistake I followed up with the service I do not understand why they charge thousands of times and they assured me that there was no debt and they are sending me to collection i try to call direct to XXXX XXXX but the fool me is too much
The following companies placed unauthorized inquiries on my credit report. I submitted request to each of the credit bureaus to have them investigated, but they replied back advising that I should contact the companies directly. The phone numbers to each of these companies were listed on my credit report. I attempted to call each one of them and could not get through because I had to either have a credit card # or my social security # in order to get past the prompt. So, I am unable to reach them using the # XXXX provided. 

I'm requesting that these unauthorized inquiries be investigated and removed from my credit report. 


XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX CARD XX/XX/XXXX XXXX   XXXX CARD XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX DEALERS XX/XX/XXXX XXXX
I received an Alert from my credit karma account and they said the my score dropped 73 points because Equifax is reporting my mortgage as closed/sold or transferred. It's my XXXX XXXXXXXX account XXXX is how it reports on their response. The account is still opened and we are still paying on it. I feel they purposely did this because I am disputing things they are reporting.
My account was transferred to another lien holder in  XXXX   2016  without any knowledge of the changes. My last payment was n't processed with my previous lien holder. My account balance is incorrect, I w as two forms of paperwork with different balances. I changed my lien holder for the third time to a bank, my pay off account is different from the amount the previous two lien holder s told me I owed. I can provide proper documents upon request
In XXXX 2016 I sent money by Western Union to a XXXX XXXX XXXX in XXXX. I do this often as I manage a small XXXX retreat center in Washington state. I made a mistake when I first sent the money by sending it to XXXX, forgetting that he was now in XXXX. I resent the money to XXXX. No problems. However, I called Western Union to see if I would be eligible for a refund of the money I sent to XXXX. It was never picked up due to the XXXX being in XXXX. I was told 'Absolutely! You will get a refund. Just do this ... .. ' Well, that was XX/XX/XXXX. I have been dealing with WU all these months being told each time I called 'just do this .... ' The last 'just do this ' was to send notarized statements of where I lived, my ID and I even included bank info. I was given the usual story ... .you 'll get a check in 1-2 weeks. I never received anything and they can not prove that they sent anything. The last 2 times I called I spoke to supervisors who essentially gave me the run-around. The last one even said 'yes we have all your information including the notarized documents. Just send us more notarized .... ' I cut him off and said I would not do that, that they had everything they needed for the refund. He actually laughed!! I have documented all of my conversations from XX/XX/XXXX through XX/XX/XXXX. 
Obviously they have no intention of refunding the money. Of course I would like to get my refund but more than that, I would like to see this behavior stopped. What happens to people who are not English speakers or who have trouble with complex directions or both? They are easy prey. Thank you for any help you can give.
The original amount of my mortgage loan through Ocwen Loan Servicing was {$250000.00} on XXXX/XXXX/XXXX. I modified my mortgage back in XXXX under the HAMP Program. In doing so, Ocwen increased my loan amount by {$49000.00} with a principle balloon payment of {$70000.00} that would be forgiven over a three year term -- my new loan amount was now {$270000.00} -- before the principle forgiveness. The time frame is now up -- the last principle reduction took place in XXXX. 
I recently requested to have my interest amount lowered and the documents indicated that I now owe {$260000.00} -- more than {$10000.00} more than my original loan amount of {$250000.00} and after more than 9 years of payments. They are adding the {$70000.00} principle forgiveness back into the balance. Of course they are very happy to lower my interest rate to 2 % at this point because I would be increasing my loan amount to more than I bought the home for. 
This is a total scam and I will not be taking their offer. I hope that they have not done this to others and someone should be held accountable for this.
after disputing the following debts with XXXX 4 times and Equifax and XXXX 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( Equifax, XXXX & XXXX ) to have PHYSICAL COPIES in THIER files of  documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( XXXX, XXXX & Equifax ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since Equifax, XXXX & XXXX can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX be removed from my credit reports.
This issue is with Paypal. I've been letting them handle my finances for years now and I've NEVER had them hold on to funds that was sent to me for more than three days. I was sent a payment on XX/XX/XXXX of 2018 through a free service to send money to friends and family from a trusted company that is Paypal verified in the amount of {$3800.00} ( USD ) and Paypal said the payment was sent via a echeck which takes 3-5 business days to clear. I asked them for a credit until the funds was available and I was denied by a escalation supervisor by the name of XXXX XXXX ext. XXXX. It is now XX/XX/XXXX XXXX EST and my funds are still not available as promised. I called in XXXX times today alone and was assured my money would be available today. I am currently still on hold with Paypal for a fourth time and my wait time is now up to 2 hours and 30 minutes with no resolution. I was informed by the company that sent me the money that the {$3800.00} was taken out of their account over three-four days ago so that tells me that Paypal is holding my funds.
Filing a complaint against equifax regarding a credit card account from regions which does not belong to me. Regions states the account does not belong to me and should not show on my credit history because I am just an authorized user for which I have never even authorized to begin with. I have request this removal at least 4 or more times through exqifax and they continue to nelegect it. I had no issues with XXXX or XXXX on this removal. I will also attach a document provided by XXXX manager showing that the account is closed and I was only listed as and authorized user and should not appear on my credit history report. Also attached are my credit history reports from all 3 bureaus. Please this is on going issue for 2 or more years I would really appreciate if this was removed indefinitely from my credit history.
Please note that Chase Auto Finance has reported me late and delinquent in XX/XX/2018 which is inaccurate and false. I have always maintained my account current and in good standing for the extent of my lease. When my lease expired in XX/XX/2018, I  extended my lease. In doing so, Chase created a chain reaction of misapplying payments and therefore reporting me as late and delinquent when that is not the case. As soon as this was brought to my attention, in XX/XX/2018 I reached out to Chase to try to resolve the issue and I have been attempting to do so with them since but the matter is still unresolved. I am kindly asking that the Late/delinquency reported in XX/XX/2018 be removed as it is inaccurate and negatively impacting my credit rating significantly. Attached is a history of payments which clearly shows the appropriate amount of payments were made in the appropriate amount of payment cycles. If there were any issues, they are due to Chase 's payment application discrepancy and/or billing notice disruption at time of lease extension. For all these reasons, it is unfair for me to bear the brunt of the repercussions.
I was never late with XXXX XXXX and XXXX XXXX reported me late for XXXX and XXXX of 2017. XXXX XXXX also reported me to my credit report agency as late. Again best of my knowledge I was never late.
THIS COMPLAINT REPLACES Case number : XXXX : It appears that the credit bureaus are reporting inaccurate statuses for XXXX & XXXX XXXX XXXX tradelines. Never delinquent in 2008. Original creditor refused to remove this information.
Somehow my XXXX online payment did n't get processed. I realized this error and attempted to make the payment the day after the due date. A few days later, it still had not processed so I made it again and the third time it went through but of course, I had accrued a late fee. I called about it affecting my XXXX minimum payment and the agent I talked to said it would be removed and reflected on my XXXX minimum payment as well. I went in to pay my XXXX minimum payment on time ( XXXX when it 's due XXXX ) and the balance was still reflecting the late fee. I talked to a new agent who told me they only removed the late fee off the overall balance and account but can not adjust the minimum payment. If I do n't pay my total minimum payment, including the portion due to the late fee, I 'll accrue another late fee in XXXX. This will continue on until I finally do pay it. So I 'm being charged a late fee on a balance that 's only there due to a late fee they are " unable to adjust ''
I went to AnnualCreditReport.com to obtain copies of my credit report from the XXXX credit reporting companies. I logged in and then answered questions to receive the PDF copies online. The system then logged me out a few minutes later and did not allow me to print my reports. I tried to get back into the system and it stated I had already been serviced and to come back next year. Submitted complaint got form letter of " XXXX '' back in mail. Did not address the issue or resolve the complaint. In the letter and website, they do not provide a number to call or other access ; just return XXXX. address. At a minimum, they should mail me my XXXX credit reports as they know from their system I was not able to access or print them despite providing all of my personal information and answering all of the security questions satisfactorily.
My Lowe 's store credit card is managed by Synchrony Bank. They refuse to send me paper account statements by USPS, or an email, and then claim that I owe a {$25.00} late fee when my payment is not received by the due date. I have repeatedly notified them that they need to notify me when there is a balance due but they continue to ignore those requests.
Chase Sapphire closed my credit card account with the credit limit of XXXX that I open XXXX XXXX XXXX and they closed my account XXXX XXXX XXXX for a charge off i end up moving and I never received my card and it was fraud charges that made my balance XXXX when I recently opened a XXXX XXXX for the first time to check my score and saw it, I called chase and told them about it and since I never made the charges and never received my card I requested for them to reopen the account and send me a new card they told me they was n't able to but they will start a fraud investigation and I would have to reapply again I do not want to do that and they pull my credit I should n't have to when I never made the charges and when they investigate it they will see that