WillisBack/dataset-financial-user-claim huggingface dataset:
I started working on this foreclosure in XX/XX/XXXX. As you will see in the documents we received several offers. One was selected and we worked with the lender Wells Fargo to provide all information required. The process was frustrating as Wells Fargo kept changing negotiators and then told us we had not communicated with them when information was requested.

Several call were made to Well Fargo as documents were sent in repeatedly which was never acknowledged. Finally There was a three-way call with my short sale specialist, XXXX XXXX, XXXX XXXX, Myself and Wells. There is correspondence on XX/XX/XXXX regarding communications and missing documents. It appears the short sale was back on track per the documentation dated Tuesday XX/XX/XXXX, asking for additional documents including increasing the sale price to market value of {$120000.00}. Once the information was updated and sent in, the file was apparently dropped. 


We had another conversation with Wells Fargo who informed us that the file was closed. We then brought in a short sale expert, XXXX XXXX, who has an extensive track record with difficult short sales. We resubmitted the short sale packet with a new buyer as the original buyer grew tired and frustrated of time time and lack of communication from the lender. 


Finally on XX/XX/XXXX, we were notified that that short sale was denied. No reason was given and we were told that there was no recourse. 


We have included all the email chain from the 2nd short sale submissions for you review, along with some of the prior correspondences. We realize this is a tight time frame, but our goal is to delay the foreclosure and be given the opportunity for XXXX XXXX to sell the property at a reduced cost and not have her credit more negatively impacted than it already is. 


We feel that Wells Fargo and the investors of the property did not provide ample opportunity or feed back for a successful short sale and manipulated the process so that it would fail. It's feel like a predatory situation and needs to be addressed. 


Please see our document attached. Due to the volume I may have to send multiple emails. Thank you.
I received an alert via email saying that my credit score decreased due to a hard inquiry on XXXX/XXXX/2016. Upon review of my credit report, there is a hard inquiry from an auto dealership I have no knowledge of, and I never authorized this inquiry. TransUnion went on to say they can not remove this inquiry without a letter from the inquiring company allowing this inquiry to be removed. The auto dealership said they never pulled my credit report, they also informed me they do not use social security numbers to pull inquiries, in most cases. The customer name from the inquiry does not match my name, and her address is now listed on my credit report. I have never held residence at the addresses on XXXX XXXX. Neither companies are helping me resolve this error.
If you look at my payments and their effects on my XXXX XXXX Balance, you will notice they have been going down. For instance, for statement closing date XX/XX/XXXX, it was {$1900.00}. For the next statement, XX/XX/XXXX, it went down to {$1700.00}. The next statement, XX/XX/XXXX, it was {$1500.00}.
However, per the XX/XX/XXXX statement, despite there being no cash advances on my part, or even purchases, PenFed XXXX up my XXXX XXXX  balance to {$2700.00} - an increase to {$1100.00} or 74 % increase.
I called on XX/XX/XXXX and was on hold for a little over 12 minutes. I then e-mailed PenFed. I got a response that they would get back to me in 2 to 3 business days, but PenFed has not contacted me.
This is a follow up to my previous complaint regarding ARS Account Resolution 's ( ARS ) reporting of a medical bill on my credit reports. I have sent several disputes and requests for validation to ARS and the credit bureaus. However, ARS has failed to validate the debt, and stated in their response to my prior complaint that they are not obligated to send a signature or detailed statement. However, section 809 ( a ) ( 4 ) of the Federal Debt Collection Practices Act states that if the consumer notifies the debt collector that the debt is disputed, 'the debt collector will obtain verification of the debt or a copy of the judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector '. The same is re-stated in section ( b ) of the statute under the heading " disputed debts. '' Therefore, it is not enough for the debt collector to verify the debt themselves, they must also provide a copy of that verification to the consumer. Since ARS has not provided a copy of said verification, they can not continue to report this debt.
In 2007 I opened a bank account at the age of XXXX with wells fargo. I was constantly badgered about opening a credit card account by bank tellers but always declined. Later that year I accidently overdrew my account with a purchase but quickly added money to my account. Without my knowledge a credit card account had been opened in my name with wells fargo and an automatic overdraft protection transfer was made from this line of credit without my knowledge. I never received a credit card in the mail, I never heard mention of it, and I never saw a tab from a credit account on my online banking. YEARS went by and my delinquent credit amount of maybe XXXX dollars remained. I received no notices about by email or physical mail. I eventually met with a banker to check my credit score and he saw the strikes on my credit and the now XXXX $ that had accrued in interest and I quickly paid the fees to stop the bad credit and closed the account. I was unsure of how this could have happened and they said I opened a credit card. When I asked to see a where and when I could have possibly signed up for a credit card that I know I 've never wanted because of my hatred for the badgering I constantly received I found that in 2007, if an account holder was under XXXX the banker could sign a user up solely with a verbal confirmation and without a signature. So no proof exists of me wanting to sign up for a credit account except that some teller said I wanted the account. I never had and never will want a credit card account with wells fargo. At the time I was unsure of what to make of all this until I learned of the huge scandal that wells fargo was involved in. Now I realize I was taken advantage of and want my money back along with any interest. I went into a branch office and they said it was too long ago to have records of proof of the money being taken out of my account. I do n't believe I paid the balance until only a few years ago though so I think it should still be in my account. I do n't trust them and am afraid they will just try to delete any proof that exists. I know my case is a small XXXX but any help would be greatly appreciated! thank you -XXXX
XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On XX/XX/XXXX, I received a letter from XXXX XXXX. It states that XXXX , XXXX used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have XXXX to find out how I can get a better resolution. Hope this will be the best result. Thanks
I recieved a letter stating that I oww {$340.00} to Dynamic Recovery Solutions because of an original creditor XXXX. I have never owned a sprint account. I checked my credit report and nothing is on there from a XXXX or any other negitivie items. I never gave out my information or had this so called account.
I opened this HSBC/Mastercard credit card account at the end off XXXX, accepting an invitation they sent to me by regular mail with an incentive of {$150.00} after {$1000.00} of purchase with that card. 
I was approved and start using it and scheduled two on line payments with emails confirmations. 
1- {$100.00} on XX/XX/XXXX conf. XXXX 2- {$500.00} on XX/XX/XXXX conf. XXXX By XXXX Holidays my wife told me that her card was rejected at the store. I told her that should be fine due may earlier payments. I checked on line, and the payments were reversed and a {$25.00} fee was added. I called to customer service XXXX on Thursday XX/XX/XXXX twice and waited for 45 minutes first and about 30 min hold, no agent took my call while waiting. Finally an agent answer and told me that my account was blocked and I need to call security to XXXX. Called by XXXX a machine asked for my ID info and again wait for about 20 min nobody took my call and I decided to hang up because I've got to work. Called again next day same thing 30 min  on hold no agent to take my call, so I hung up. So XXXX passed by and I went on line on XX/XX/XXXX, and tried to check my payment info to see any errors, I couldn't pay neither could see my payment information but I created A link to my bank account just in case. I start chating to them to look a new way to pay and make them to waive the fee. After chating for a while they told me that they can't help me that I need to call XXXX which I did but same thing It put me on hold and nobody took my call. Call again, and finally an agent answer but she told me that I need to call the XXXX during office hours, because she can't help me at that time. I'm afraid more fee are coming up and I have no way to pay. That's a ridicule and consuming time situation. that costumer service is horrible it tired me up. I just wanted to pay that in full get rid of those fees and close the account but they don't have a branch in XXXX Texas.
I tried to obtain my Equifax free online annual credit report today due to the recent announcement that Equifax 's consumer data was stolen. Equifax was not able to produce the online report ; the other XXXX agencies provided me their online credit reports.
In XXXX I contacted Synchrony Bank in regards a Disputed Transaction that I made with the recent payment on the account ( ending XXXX XXXX XXXX It involved a transaction dated XXXX/XXXX/2015 numbered XXXX, ostensibly to a " XXXX XXXX TX '' in the amount of {$260.00}. Later this was upheld and the dispute apparently was resolved in XXXX 2015. 

Then there was a mix-up and I was credited with another payment, but that was resoved by action of the bank. But it was followed by another charge and there is absolutely no documentation to support this previously charged item noted and is probably another un-supported charge made by these people identified as XXXX XXXX TX. It just goes to show you that the information contained in the XXXX XXXX, 2015 letter that they felt might slip by your bank. 

I have asked the bank on three subsequent occasions to please reverse this charge that is clearly an error. There has been no response forthcoming from the Bank 's Customer Relations Department other than on the reversed charge, which was on the billing. Instead, they have charged me interest on this XXXX twice and now have charged another fee of {$25.00} for late payment which I have protested and sent back their Sam 's MasterCard for their failure to communicate to me just what is their rationale for charging another fee for the XXXX when they originally had upheld my disputed billing. 

All I got was a letter dated XXXX/XXXX/2015 stating that " ... your credit of {$260.00} was applied to you account on XXXX/XXXX/2015. You can find this credit on a previous billing statement. '' This took care of the double credit but there was no explanation for the other billing XXXX! 

And this has now resulted in the fourth letter regarding this matter because their recent billing included more late charges and another service charge. So, I have had no other option than to cancel this card because of your failure to service the charges made on it particularly to Sam 's Club ; and, I have now considered filing a complaint with the CFPB.
After receiving an email from Chase, I called to close a dormant CD ( from interest they did not provide at cd closure ). The representative told me he was unable to close my account, but could transfer it to my savings account and I could go into a branch to close it. I told him I did not have a savings account and he said yes I did and confirmed that my name and my social was on a savings account. I explained this was strange, but agreed. I then went into the branch XX/XX/XXXX to close the savings account, only to find someone else had already withdrawn the money as there were other UN-known customers also on the savings account?? When the representative pulled the signature card they found that I was not officially listed on the savings account ( only in the computer ) -- and that in some merger with Bank One my name had been electronically added to this savings account in error. He did confirm the CD where the funds came from was solely my account, but the savings that they transferred my funds into had others on it -- and I had been added to the account in the bank error. So admittedly they had given my money to another customer! 

Understanding how confusing this was agreed to leave the branch, giving them time to figure it out. It is now XX/XX/XXXX, over 2 entire weeks later and I still have no answers and no money. They finally took the branch out of the loop and gave me an executive representative, who left me a voicemail and I have called back twice on different days now with no return call back so we have yet to even speak after 3 more days now. I feel I have been more than patient in giving the bank more than two weeks to figure out the bank error, but at this point feel I am being taken advantage of. 

It has already been confirmed the CD was solely in my social security number ( and have received XXXX ) and that the savings account my funds were placed into was not mine and not withdrawn by me. This is clearly bank error, and admittedly so by the branch, I do not understand what is taking so long to gain access to my funds. Very frustrating by getting absolutely no attention whatsoever by the bank even after I had it escalated. So very scary that their system has added me to an account that I 'm not on and if crooked could have accessed?? Chase has given my money to someone else and are not willing to fix their error. Help me, this is unfair!!!!
I owe Billmelater/paypalcredit about {$800.00} from XXXX year. I 'm now XXXX in college and I currently work XXXX jobs. Billmelater/paypal credit closed my account and sent it into collections and I have been in contact with the new collectors, explaining my situation. Of course they 're XXXX, So i have n't been taking calls from them. I have every intention on paying what is owed, but I 'm not going to go homeless to do it. Long story short, a man left a voice mail on my phone threatening to have me arrested from my home or job. I googled the phone number and found out that he is a bill collector. He did n't even say who he was. I 'm pretty sure that is illegal.
XXXX XXXX XXXX ( PHEAA ) unlawfully converted my XXXX Grant to " irreversible '' loan due to a paperwork error on their part in the fall of XX/XX/XXXX. This has been on ongoing issue that began in the summer of XX/XX/XXXX when I tried to submit verification forms for my service agreement. They claimed they did not receive paperwork and also gave me a fax number that did not work after many many attempts. They converted my grant to a loan ( of XXXX including interest ), even though I had completed all of the service requirements they requested and as were outlined in my service agreement.
They have a previous address on my credit report that I never lived in or ever had is my address I 'd like to know all available prior addresses that are on file so I can verify which ones are correct and which ones are incorrect
I got a mailer - I went in to get a pay day loan which was to be free of interest and fees. I double read the flyer and I was within the guidlines. I go in the lady goes to enter in the code says it does not work calls the district manager and he said it is for returning customers - I had been there before - they would not honor the flyer. I called their executive offices, they told me they would have someone call never did I emailed and called several times and when the payday loan was due they took all {$300.00} and did not honor the flyer. I passsed my XXXX so I do know the difference between a consumer and a customer - I was a returning customer I did business with them before they cheated me need to be stopped from XXXX over consumers. I should have paid {$250.00} instead {$300.00}
My account had a restaurant charge on my debit card.  However, I did not realize the restaurant did not put in the tip amount.  So, this resulted in a $XXXX overdraft on my account which cost $XXXXI think to charge $XXXX is gouging, when they could have sent an email alert to clear up the $XXXX  overage.
I recently tried to sell the home I own at XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, and during the sale, I was informed that Cavalry SPV1, LLC had a lien secured against the property for a credit card my ex-wife failed to pay. As a result, I have reach out to Cavalry SPV 1, LLC over 5 times in an attempt to obtain the payoff of this lien that is need to ensure the transfer of this property occurs and the lien is paid off, however, Cavalry SPV1 LLC refuses to provide the payoff need and continues to accural interest because they will not provide me with the information need to payoff and get the lien removed from my property.
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. The last time I sent this issue to them they only opened a new dispute and I received the same results. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over and over and over again, The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. The following accounts that are reporting are : XXXX 's acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX  acct XXXX, XXXX XXXX  acct XXXX. As well as the incorrect address of XXXX XXXX XXXX, XXXX, XXXX XXXX I have never lived at this address. I have have been a resident of Illinois for over 15 years. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
XX/XX/2018 {$3000.00} incorrect Miss payments also I try to settle with the company but failed on the issue I offer to paid {$1000.00} that I only can afford because hardship ... Capital One sent me to their legal team a third party try to settle agreement but the lawyer/ secretary pushing for more money I do not have ... this mark on my credit reporting and stopping me from getting a new job and also getting out of hardship ... it was on the first credit card and I was naive how credit car 's work and I had got into a car crash and that's when my problem started
I found a debt collection agency listed in my credit report. FDCPA 809, states that debt collectors have 5 days to notify the alleged debtor, the name, address, phone number, the amount of the alleged debt,  notification that you have 30 days to despute the alleged debt, or 30 days to even have the debt verified. 

XXXX XXXX XXXX failed to notify me in any way. 

NO PHONE CALL, NO LETTER, NOTHING, BEFORE POSTING THIS ON MY CREDIT REPORT. 

SO, XXXX  XXXX XXXX, YOU ARE HEREBY NOTIFIED OF THE FDCPA VIOLATION. 

There has been case laws that consider putting this in a credit report constitutes the fist initial communication. You had 5 days to notify me of my FDCPA rights, which you just violated. 

You put this in my credit report on XX/XX/2018. Your 5 days are GONE. 

So, NOT ONLY DID YOU FAIL TO NOTIFY ME OF MY RIGHT TO DISPUTE, YOU DID NOT NOTIFY ME OF THE NAME ADDRESS OR OTHER INFO ON THE ORIGINAL CREDITOR, YOU DID NOT TELL ME THE AMOUNT OF THE ALLEGED DEBT, AND YOU SENT NOTHING AS FAR AS PAPERWORK THAT EVEN VERIFIED OR VALIDATED THE DEBT. 

YOU BROKE THE LAW!
I took out a payday loan in 2010 from a company called quik cash in XXXX Kansas. When I began to struggle I could not pay it myself and filed chapter XXXX bankruptcy with an attorney. Since I filed they have called my references and told them they were going to send me to jail, that I had court documents that I needed to pick up at the courthouse, had outside agencies call and demand payment and today they tried to collect by pretending to be my local police department. I called the number on my caller I 'd back and got my local pd and asked for officer XXXX after the initial call was disconnected where this " officer XXXX '' said I was being brought up on Criminal charges for writing a bad check for a payday loan. The pd said there was no officer XXXX employeed through them and they did n't have a legal department cuz officer XXXX kept having me talk to the pd legal department. Nice lady at pd said it had to be a scam cuz this just is not how the pd does things and this officer did not exist.
There is an unknown account that was just reported on my personal credit file that is unknown to me. This is a mistake as I do not owe anybody this amount. Pleaes help
The three credit bureaus have frozen or blocked my XXXX XXXX XXXX from getting my personal information to process a personal loan. Ive never frozen my information from the 3 Credit Bureaus so I would like it unfrozen. Also I have an issue with XXXX XXXX XXXX which I believe has blocked me in some way for as they say not sending them a letter canceling my Auto insurance in XX/XX/2017. I phoned XXXX and gave them my new policy number back in XX/XX/2017 and they didnt acknowledge my cancellation told me I needed to send in writing, I didnt therefore I believe this is the problem behind everything at the Credit Bureaus. Please help me resolve this issue ASAP! It would be appreciated beyond belief.
Experian keeps posting incorrect name and date of birth and this effects people looking at credit report. It makes it seems I use other identification and I have never used the information they use. See attached is copy of report shown and it shows XXXX XXXX XXXX and date of birth of XXXX/XXXX/1958. My name is XXXX XXXX XXXX with DOB XXXX/XXXX/1958. 
Three months of trying to get it corrected by them has been waste of time, they ignore all request to correct.
I'am  XXXX  and a victim of identity theft.I was referred to you by someone from the senator 's office and also my dear friends from the governor 's office.I'am trying to purchase a new home and to finish my education at     XXXX   XXXX   XXXX   college in  XXXX  nc.Thankyou.
XXXX XXXX keeps sending letters from several different collection agencies after several attempts by my attorney to report this as a dispute of validity of debt. Despite repeated requests to have correspondence go through my attorney, all communications are still being sent to me directly. No one from XXXX XXXX the original creditor ) has made any attempt to solve this matter.