WillisBack/dataset-financial-user-claim huggingface dataset:
A complaint was filed with Wells Fargo regarding my daughter being associated with a credit card. Wells Fargo sent a letter to my daughter informing her of the deletion of the account and it being removed from her Credit File. I just recently discovered that during this process Wells Fargo changed the account number and then associated my name with my daughter 's Social Security Number. Also the letter referenced above and attached states remove the account ending in XXXX but my daughter and the credit bureau did not receive a letter to remove the newly created account number. The account that belongs to me was removed from my credit file and remained on my daughter 's credit file. This is causing a major problem because she was in the process of applying for a mortgage. So I am dealing with Wells Fargo associating my name with my daughter 's Social Security Number and I am getting pushed around from department to department, customer service reps in call centers that just read notes. Switching Social Security numbers is a serious issue that is now affecting us both. I am asking for Wells Fargo to first correct the social security number problem that was created by them ; get the account back in my social security number and have the credit bureau remove my daughter 's name from everything associated with this account which is what Wells Fargo said they would do.
I took out a XXXX loan and made XXXX payments on it before I ran into financial difficulties. Checksmart has repeatedly called me at work even after being advised that I can not take calls at work. During most recent call on XXXX/XXXX/16 the caller even indicated that he knew I was at work and could n't talk so he " would n't take up too much of my time. '' Additionally, they call me at least four times just about every day and often call back to back with little more than 30 seconds between calls. I have more than XXXX messages just from the last 30 days on saved on my cell phone.
I obtained a copy of my credit file around XXXX 2016 and filed a dispute through the credit bureaus against Vance and Huffman and XXXX XXXX XXXX. Once bureaus investigation was completed it came back the information disputed with Vance & Huffman was verified, no change and XXXX XXXX XXXX as new information. In receipt of this information I sent Vance and Huffman a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
Vance and Huffman than replied with a letter saying they received my dispute for verification and to be advised that Vance and Huffman confirmed the name and address listed on the account as well as the amount due. XXXX XXXX XXXX has not responded to my request.
I had an automatic payment scheduled for my car insurance to come out on XXXX XXXX, 2015. Since the direct deposit for my payroll was XXXX XXXX, I normally would have asked the insurance company to delay a few days to ensure funds availability, however on this occasion I forgot. Realizing my mistake, I checked my account several times during the day and evening on the XXXX to see if the payment had been posted but the transaction was not listed on the website. In the event that the payment was posted on the XXXX, my plan was to borrow funds and deposit it into the account via ATM before XXXX. ( Previously a bank representative had advised me that an ATM deposit making the account positive before XXXX would help me avoid the fee. ) The following day when my direct deposit was applied, the previous day 's balance showed as negative then the fee was applied.
I submitted a dispute 2 months ago and have not received a resolution. I included my current drivers license as proof of residency.
I received a letter in the mail from Caine & Weiner on XX/XX/2017. The letter claimed that that I owe XXXX {$520.00}. I do not owe XXXX any money. I called XXXX to verify that no one opened an account in my name. XXXX confirmed having no record of me owing them any money.
these items did not belong to me I pulled my report and saw them and addressed them with the credit bureau to no avail.
I sent the collection agency on XX/XX/18 a 30 day notice to respond, A Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. 



No response was giving .... 

On XX/XX/18 I also sent a HIPPA validation letter that also got NO response. 

My most recent letter do to the NON responses was another follow up letter on XX/XX/18. 

I also have contacted the credit bureaus XXXX, XXXX which I asked what method was used to verify this account and both has notified me that the debt has been verified without any proof according to the law to provide evidence as each individual is required to do so submitting evidence to dispute. 
XXXX actions was my evidence the debt didnt belong to me because they removed the collection account do to it unverified status.
I have a GM Credit Card through Capital One. I gave a hotel in XXXX, IL my card for " incidentals '' and was charged for a bottle of water in my room for {$4.00}. I did authorize this transaction. I was charged an additional, separate charge of {$210.00} in which I did not authorize. I previously booked my hotel stay online with another credit card and I paid that in full before my stay. I contacted Capital One/GM Cards the day the transaction posted to my account, as I got a notification that it was posting. It has since been over 3 weeks since I notified them, both by clicking " dispute item '' on their website, and also by writing their customer care center to indicate the exact information I 'm sharing with you. I have not yet heard from them and I still have the charge on my account. I work for a financial institution in the Financial Crimes Department. I am completely familiar with Reg E and the requirements for providing provisional credit within 10 days. They are not in compliance with this regulation and they have not communicated anything with me in over 3 weeks. This is completely unacceptable and they should have to answer for this.
On XXXX XXXX 2015 I placed an order for {$17000.00} with XXXX. On XXXX XXXX I discovered a discrepetcy in my invoice and contacted them and attempted to cancel the order. The representative refused to cancel the order. I then immediately contacted American Express to dispute the charge. On XXXX XXXX XXXX XXXX shipped and upon arrival I refused them. American Express took off the charge but applied {$9700.00} to our account for a 35 % restocking fee and for parts XXXX XXXX claims had already been engraved prior to shipping. Futher more XXXX Precisions declared restocking fee is only 10 %. XXXX sent me a letter informing me I had 60 days to take delivery of these parts or they would be destroyed. I have made several attempts to do so as well as my attorney and they refuse to speak to either of us. They are also charging us storage fees on these parts that they refuse to send us. The deadline to take delivery is approaching and the parts I have paid for are to be destroyed. American Express has clearly failed to protect our interests in this matter, we provided them documentation that we attempted to cancel the order within XXXX hours of placing it. We also have filed XXXX disputes and in every case American Express sided with XXXX XXXX despite the fact we have not received any of the merchandise they have forced us to pay for and we are also being forced to pay for fraudulant restocking fees. American Express has an obligation to ensure that their customers purchases are protected from fraudulant companies.
I have a mortgage with nationstar. last year, they ( greenlight loans ) pestered me to refinance. they do this by first emailing you, then sending letters, then calling. i wanted to refinance so i began the process. ultimately, they promised a rate lock of 4.125 %, but it slid up to 4.375 % based on ltv ratio and subjective interpretation of fico scores. eventually they denied my application, even while i still have a loan with i think what is their parent company. 

it started all over again this year, about the same time. ultimately, now all paperwork is completed except they are waiting for a subordination agreement with XXXX who holds a second. this waiting has been since late XXXX or XXXX XXXX when i challenged them to push XXXX to get it done, they said their protocol is not to pester lienholders. i bought down from XXXX to XXXX with about XXXX point, or $ XXXX. the rate lock agreement expires XXXX XXXX what i see now is that most likely they are waiting for the agreement to expire and then raise the rate. this sounds like a scam to me to suck you in early on and then jump the rate when you are exhausted and tired of waiting. i could have gone with a legitimate firm had i realized what was going on. i would really like you to investigate these practices.
On XX/XX/XXXX XXXX XXXX I received an email from XXXX that they received my online payment of {$21.00}, confirmation number XXXX. XX/XX/XXXX was the due date and made my payment on the due date. Since then I have received countless emails indicating my monthly payment was past due and this morning I received a computerized phone call from Citibank ( I guess they handle XXXX credit cards ) indicating my payment is past due and that is not accurate, my payment was made on time. I eventually got to speak to a representative during the computerized phone call but the call was quickly disconnected. I called the toll-free number provided, spoke to a representative from Citibank, gave him the confirmation number of my payment and he said the payment takes a few days to process but he would update the records, but I don't want to be continually harrassed every month when making my monthly payment on a timely basis because XXXX XXXX system takes a few days to process the payment. This harassment has to stop, the emails and phone calls are not necessary.
My dad died on XXXX XXXX, 2016. I am executor of the estate and heir to the home. I contacted his loan servicer, Reverse Mortgage Solutions, Inc on XXXX XXXX and was told to submit the letter of intent, death certificate, and executor letter. I was also told I had six months to sell with up to two extensions of three months each. I submitted all paperwork to RMS on XXXX XXXX. I decided to sell the home as there is enough equity left to do so. At this point RMS was very kind and understanding and they made the process sound quite simple - as it should be. 

As I continued to keep in touch with RMS and do all the endless tasks of executor their tone changed. I was told early on that the house could go into foreclosure " any day ''. I received comments such as, " what took so long '' regarding my auctioning of my parents belongings and cleaning up the home. The call center at RMS seems to play a good cop/bad cop routine and sadly they never give a straight answer on anything whatsoever. 

RMS had the home appraised on XXXX XXXX, 2016. I sent a request for a copy of the appraisal in writing via email to RMS on XXXX XXXX, 2016 after speaking with XXXX, and I was told they 'd have a copy mailed to me within 24 hours. Request sent again on XXXX XXXX, 2016. XXXX XXXX, 2016 I spoke with XXXX at RMS again requesting the appraisal. XXXX XXXX, 2016 - spoke with XXXX at RMS still no appraisal. I finally received the appraisal on XXXX XXXX, 2016. That 's 61 days to receive paperwork that I was told would be sent in 24 hours! 

I signed a listing agreement on XXXX XXXX, 2016 and sent a copy to RMS via email. I spoke with XXXX that day to verbally update RMS. 

Friday, XXXX XXXX, 2016 I received a Notice of Trustee Sale on the property that is scheduled for XXXX XXXX, 2016. Reverse Mortgage Solutions foreclosed on the property 4 months and 21 days into my alleged six months. 

I feel that Reverse Mortgage Solutions has violated my rights. I have been given no clear answers as to why they are not honoring the six month time frame and not honoring an extension on that time. I have done everything " by the book '' and in a timely manner. As of this week ( XXXX XXXX, 2016 ) I 've had a potential buyer see the home twice only to become aware of the published trustee sale and run away. 

I spoke with XXXX at RMS twice about the issue and he claims to be baffled by the move and claims to understand my frustration but has offered nothing in the way of a solution other than to say, " you need to get more buyers '' - a seemingly impossible task with the threat of imminent foreclosure on the horizon. 

I can not see how Reverse Mortgage Solutions has any legal right to sabotage my opportunity to sell the property and satisfy the debt. The whole thing feels like a bait and switch. I worked hard all summer to get a 30 year-old neglected home back in shape. I invested my own money. I did all this in a timely manner only to have Reverse Mortgage Solutions , Inc essentially steal it away.
I applied for a mobile hotspot with XXXX on XX/XX/2018. I was told to get service with them I would have to pay {$80.00}. I decided I didn't want to go with XXXX but now they send me mail everyday to my address I get this one same letter iny mailbox. Five letters at one time, its the same letter and same reference number. I am just starting to repair my credit and don't want these negative inquiries on my credit account report.
There was a medical bill placed on my credit. I contacted the insurance company and they paid the bill to the collection agency. I filed a dispute to have it removed from my credit report. The collection agency sent me a notice on XXXX/XXXX/XXXX that this would be deleted from my credit. It has been 60 days and I checked my report and it is still there. I submitted another dispute on XXXX/XXXX/XXXX to Experian ( XXXX ) to have this deleted and offered the paperwork. I was sent a response in & lt ; 24hour by Experian telling me this will remain on my credit up to 7 years. I have also submitted disputes to XXXX for the same cause. The reporting agencies have refused to remove this from my credit report even though the debt was really due to the insurance company and not my failure to pay the bill. The insurance company has satisfied the debt so why am I continuing to be punished. This process has delayed me from obtaining a mortgage credit, whereas I have not had this problem in the most recent past.
I am in the process of having my roof replaced due to weather damage. Part of the process for US Bank Home Mortgage is that I have an inspection before the funds can be released to pay the contractor. I requested an inspection from US Bank Home mortgage on XXXX XXXX, 2015. I was told I would here from the XXXX party contractor within 3 -5 business days. Today is XXXX XXXX and I have yet to year form the contractor. I continue to call US Bank Home mortgage for a solution but they only tell me that a ticket has been placed to escalate the inspection, but I have yet to receive an inspection or a phone call from anyone regarding the inspection. The roof replacement work was completed on XXXX XXXX, 2015. US Bank Home mortgage paid XXXX of the {$3500.00} check they received from the insurance company. this payment was made to the contractor and myself. They have indicated the other funds can not be drawn down until the inspection has been performed and approved. US bank also received an additional check from the insurance company to cover the actual recoverable depreciation. I 've been waiting almost 3 weeks for a contractor to come out. US Bank has done nothing to assist me, other than tell me they are escalating the ticket to have an inspector contact me. I 've been told that several times, but have yet to receive a call. All of the conversations with US bank home mortgage have been initiated by me, I have yet to receive a call from anyone even though I 've been told managers and team leaders would call be back to discuss my issue.
There are XXXX XXXX Accounts on my credit report, please note the acct numbers - This is Account 1. 


Account Number XXXX 1. This account is Closed and has a CLOSED DATE 2. This account should say " CLOSED '', and not Current in its PAY STATUS 3. This account is missing Pay History 4. This account is missing Balance History 5. Please validate this account, and the PAY/Balance history from its inception - and CLOSE the account
I have an unverified account from XXXX XXXX XXXX, XXXX. I have previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. 

XXXX XXXX XXXX, XXXX has reported a collection on 2 credit reporting agencies on XX/XX/XXXX. I sent registered letters to XXXX XXXX XXXX, XXXX requesting validation of debt for their account # XXXX to the address listed, on XX/XX/XXXX, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. 

Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/XXXX outlining erroneous statement of charges from the alleged account as debt validation. I have requested that XXXX XXXX XXXX, XXXX, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency,  and so proving that these calls were made in the times governed by FDCPA law. 

If XXXX XXXX XXXX, XXXX is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. 

I have not now, nor ever had any contractual obligation or arrangement with XXXX XXXX XXXX, XXXX.
We are trying to sell our house. We accepted an offer from XXXX XXXX XXXX and the pre-approval of {$450000.00} was supplied by XXXX XXXX XXXX  written by XXXX XXXX. After two addendum due to issues securing financing we gave them a third try but requested they use our lender. We had moved out prior to closing in anticipation of the first proposed closing date and after the second addendum passed we claimed the earnest money to cover the extra expenses of two payments etc. The entire time they requested repeatedly to move in prior to signing, due various hardships. Then as they walked away from the deal it became apparent that they could n't get the financing due to reported income and what appears to be blatant tax evasion by XXXX XXXX. In fact, the lender we recommended via my broker let it be known the the approval letter should never have been written. It was fraudulent and XXXX XXXX is the brother-in-law of XXXX XXXX. The pre-approval was dated XXXX XXXX 2017 and we accepted it on good faith. If we had let them move in early there is little chance they would have been able to secure financing in a reasonable time frame and I would have unwanted renters and not sure if they would even pay rent. This cost me time and money while eating up the prime season to sell a home. End of summer and they walk away. This needs to be looked into in case they are trying to wiggle into someone else 's home in order to squat with a phone pre-approval by a illegitimate lender approval and cost another seller so much time and money. More details are available upon request i.e. addendums, dates, etc.
On XX/XX/XXXX I purchased {$200.00} of Bitcoin from Coinbase. On XX/XX/XXXX that charge cleared my bank account. Then on XX/XX/XXXX Coinbase hit my bank account again for {$200.00} ( unauthorized ). This caused an over daft in my account and left me with no money.

Coinbase is not answering the phone and the web support is unresponsive.

As of now Coinbase owes me {$200.00} and an overdraft fee.
I 'm no longer at this desk phone # and now a coworker is receiving the harassing phone calls. I 'm about to loose my job because of them calling constantly. I notified them XXXX times to please remove this phone # from their list to no avail. I had made payment arrangement 's with them but they would not provide me with documentation, my husband said it seemed fishy. We are unable to find them online. We do n't want to make a payment to a false collection agency.
XXXX charged off and closed a credit card account XX/XX/XXXX. Since then it has been sent to collections three times. It was sent XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX.The collection agency that has this account is XXXX XXXX. The collection agency has re-aged this account according to the original creditor 's date of first delinquency. The credit card account has also been closed and charged off. XXXX XXXX continues to increase the amount owed stating that interest is accruing. The amount has increased from {$720.00} to {$1000.00} to {$1100.00} and now {$1700.00}.
My home can be saved. Please help me. I make enough money now to afford a modified mortgage that rolls in the payments that I am behind on if it puts the interest rate at the prevailing rate for a 40 year term. 
I applied to Wells Fargo for a mortgage modification in on XXXX XXXX, 2015. After they received my application they sold my mortgage to a new investor and to a new servicer, XXXX XXXX XXXX. The loan was sold on XXXX/XXXX/15. They sold my loan to XXXX so that XXXX could foreclose on my house. XXXX is notorious for denying modifications and speeding through the foreclosure process. Despite the fact that my mortgage was being reviewed for a modification they sold my mortgage to XXXX who immediately began foreclosure proceedings. After my mortgage was sold to XXXX I received a HAMP denial letter from Wells Fargo stating that my loan was denied for several reasons that were inaccurate. Their waterfall analysis did not follow the proper procedures in the HAMP guidelines and there were errors. I received a letter from Wells Fargo saying that my loan modification was denied because Wells Fargo was unable to create an affordable mortgage payment. I make sufficient income for a modification. XXXX XXXX had told me that my modification application would be sent to XXXX, yet XXXX claimed that they never received it. My denial letters from Wells Fargo were mysteriously dated XXXX/XXXX/15 the same day that my loan was transferred to XXXX. This fact tells me that they did not actually review my application but just fabricated reasons for the denial. I allege that they did this because they wanted to sell my mortgage to XXXX for the following reasons : They wanted to sell my mortgage to XXXX so that they could foreclose ; and XXXX does not want to buy loans that are still eligible to be modified because they make money buying mortgages at a discount and then foreclosing on the homes. I wrote to Wells Fargo to ask for details of my denial and to appeal my denial. I never heard back. If Wells Fargo and XXXX want the benefits associated with participating in the government programs and they do participate in the government programs then is n't it my right to appeal the denial? If my application is denied with Wells Fargo then I need to know the accurate reason for my denial. I would also like to know which modification programs I was reviewed for and the calculations that determined that I would be denied. I have attached the denial letter that Wells Fargo sent me and my appeal to this email. I faxed my appeal in and emailed XXXX XXXX who was the person at Wells Fargo assigned to my account.