WillisBack/dataset-financial-user-claim huggingface dataset:
I have previously and recently filed a complaint about this collections agency, but this new complaint is because after contacting the credit bureau about this account, the representative states that the collections agency reports a debt of {$820.00}, whereas on the credit report that I received, the collections agency reports the debt to be {$830.00}. The representative also stated that the original creditor is XXXX XXXX, while on my copy of the report the original credit is listed as XXXX XXXX XXXX. With the discrepancies of these two different sets of information, my point of identity theft is further proven, as neither I have ever been to XXXX XXXX nor XXXX XXXX XXXX. Additionally, having two different entries ( for both the original creditor and amount of debt ) reported by this collections agency shows there is misinformation, as well as negligence.
On XX/XX/2016 TD Bank opened XXXX accounts under my name. I did not open these accounts. TD Bank does not seem to have a system in place to prevent this kind of fraud and to make matters worse, I found TD Bank Fraud Department to be uninterested in this situation. I have made numerous calls to TD Bank with no success in resolving this matter. I have also sent via Fed a Letter to TD Banks CEO, XXXX XXXX is to express my frustration for the lack of action, seemingly lack of interest and low level of cooperation from TD Bank to assist me as a victim of Identity Fraud. XXXX XXXX did not respond to my letter. 
XXXX : On Saturday, XXXX, I was checking my bank accounts that I had with XXXX and found that I had multiple withdrawals from XX/XX/XXXX through XX/XX/XXXX. Most of the withdrawals were transfers to a TD Bank Account and I do not have a TD Bank Account. I immediately called XXXX and reported the fraud on my accounts and filed a police report and placed an alert with the credit bureaus. XXXX immediately handled the fraud activity on my XXXX accounts, swiftly and professionally. 
On the same day ( XX/XX/XXXX ) I called TD Bank 's Fraud Department and reported the fraud. I was told to call back on Monday ( XX/XX/XXXX ) and speak to the XXXX XXXX XXXX. I did as instructed and spoke to XXXX XXXX XXXX XXXX ) ... XXXX XXXX took XXXX information and then informed me XXXX accounts were opened on line under my name and both accounts had balances that were sent from my XXXX Account to the fraudulent TD Bank account. XXXX XXXX said she would call me back with more information. When I did not hear back, I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX and left messages ( still no return call ). I then called and spoke to another Fraud Department Representative, XXXX XXXX ( XXXX ) who indicated he would look in to the issue but again no call back. I have since called several times to XXXX and spoke to different representatives and again no calls back. During this timeline I have received checks, debit cards and statements for these fraudulent accounts ( the checks and debit cards were destroyed ). 
I am still getting statements from TD Bank and as I stated above, my calls to TD Bank have been ignored. 
This has been a traumatic situation for me personally and I am very concerned that there are still XXXX accounts at TD Bank in my name that I did not open ( as I stated earlier I am still getting statements )
I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all three credit reporting agencies. The lender ( formerly  XXXX   XXXX   )   Navient, had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multipl e reporting.
We purchased a new Sleep Number bed in XXXX 2013. The financing terms were 0 % interest for 3 years and the credit was issued through GE Capital Retail Bank. Having not received a bill by XX/XX/XXXX the following Spring, we called GECRB to see where things were. We were then informed our payment was not only due but the previous month was not paid and account was now delinquent. We immediately paid the bill and requested a bill actually be sent to us so auto-payments could be setup. The ensuing month 's bill ( XX/XX/XXXX ) arrived after the due date and again more late fees were applied. We called on this again and set the auto-payment to the billed amount. Later, we discovered GECRB also charged interest on the wrongly applied late fees and by that XX/XX/XXXX we paid an extra {$150.00} in more wrongly late fees. Auto-payments continued, however the interest on the wrongly applied late fees continued to build again with more errant late fees over the next 16 months resulting in GECRB ( now renamed Synchrony Bank ) demanding {$750.00} in late fees. Only this time, Synchrony Bank wrongly reported the account delinquent with the Credit Bureaus thus dropping the credit scoring. Despite evidence of all payments made and on time. We attempted to work with Synchrony Bank and submitted bank generated reports showing all payments with corresponding dates proving no late payments, however they have refused to remove the incorrect information to the Credit Bureaus or refund the over {$1000.00} in wrongly applied late fees & interest. Instead, Synchrony Bank responded by increasing the minimum payment due. We have disputed this with the Credit Bureaus only to find they consider themselves powerless when a Creditor chooses to send incorrect data to them. Synchrony Bank continues to refuse to make changes to the Credit Bureaus for this XXXX account. The Credit Bureaus have recognized a perfect credit history ( 20+ years ) and this one account is " out of character '' due to the only one ever in negative status. When an explanation is provided, it matches with the " expected '' behavior of someone with perfect credit. Yet, Synchrony Bank is unwilling to make changes to their incorrect reporting, despite the report evidence.
My credit score dropped XXXX points in one week with no negative impacts from my credit history.I called both XXXX and XXXX and they were unable to explain the decline in score, they even stated there were no changes to my credit history. I went through every aspect on my credit report with them from credit card use to hard inquirers and there were no adverse changes. My over all debt had even decreased. My score went from XXXX to XXXX. They just said they have no control over how the score is generated and could not provide any negative impacts that had occurred over the last 60 days. XXXX told me if I paid them money they would provide that information. I have contacted XXXX, XXXX credit monitoring and they all said they have no negative changes ... .this change in my score has caused extreme distress for my financial future and the pause in my ability to seek out loans or apply for credit cards that offer better interest rates and balance transfer. My wife and I were planning on buying a new home. 
I have received no information or help on this problem after hours on the phone with both credit reporting agencies.
I received an email that my social security number was compromised on the dark web. I've contacted XXXX, XXXX, and Experian to investigate 20+ inquiries over the past 2 years XX/XX/XXXX-XX/XX/XXXX that were unauthorized by me. They refuse to offer any assistance in these matters. It is easy for hackers to get innocent citizens information EX. social security numbers but made difficult for us to get information on our reports verified and corrected. When innocent citizens information is compromised the 3 credit bureaus should take these matters very serious, its could be life altering for us. I feel like representatives do not take these matters seriously. They offer no assistance after hours of holding just to be told their is nothing they can do. If they do not want to protect our information and offer help when it is compromised why do they have access to it? I feel like my Personal Information is not protected and at anytime can be accessed which leaves me at the mercy of the 3 credit bureaus who offers no help.
We are writing to file a complaint against Wells Fargo Home Mortgage company regarding the loss of XXXX short sale offers on our home and for forcing us in to taking house off the market. 
On XXXX XXXX, XXXX our real estate agent along with our attorney filed an offer with Wells Fargo on our property XXXX XXXX XXXX XXXX. XXXX, CT XXXX. 
After going through the required procedures on XXXX XXXX Wells Fargo notified our Attorney stating that the given offer did not meet there minimum requirements of {$240000.00} ( please see attached letter stating such. ) the offer submitted was for {$270000.00} ( see attached offer ) after all the fee 's, the offer exceeded their expectations by {$510.00}. Our Attorney at least once a week contacted Wells Fargo to get some clarification on this with no success, nobody could give us an answer. 
On XXXX XXXX ( 2 months later ) our attorney called yet again to try and get an answer, this is where we found out that ( Wells Fargo ) XXXX in the liquidations Dept. stated that as of XXXX XXXX the system showed that the file was removed from the short sale review and no reason was listed, our attorney than left messages with a XXXX XXXX ( preservation specialist assigned to our case ) and XXXX XXXX ( XXXX 's supervisor ) and received no response. On XXXX XXXX they were able to speak to a XXXX who stated that our account became active in the short sale review on XXXX/XXXX/XXXX and gave our attorney a list of requested documents needed. 
Wells Fargo CLOSED the original short sale request after 6 months with NO notification and NO reason and then REOPENED it! at which point we were required to start all over from the beginning!! Needless to say the potential buyers backed out because of the banks negligence. We are truly disgusted and appalled that a business can be run this way. 
On XXXX XXXX, another offer ( see attached ) had been submitted for a little bit more money than the first offer, which means the requirements are again EXCEEDING the banks exceptions by even more. On XXXX XXXX, XXXX we received notification from Wells Fargo that they have accepted the current offer but changes the closing cost credit from {$6000.00} to {$2700.00}, needless to say the couple that put the offer in did n't like that and they backed out. 
At this point we filed for a Deed in Lieu of Foreclosure as Wells Fargo denied us because they stated the house was not maintained. We moved south in XXXX XXXX, we had people maintaining the house. XXXX XXXX we had someone go to property to winterize the home, this is when we found out that someone had seized the home and changed the locks. We along with Congressman XXXX office in Connecticut contacted Wells Fargo right away, Wells Fargo is stating they did not seize our house, we know that Wells Fargo hires 3 party companies to this for them so not only where we not able to maintain the house we had to take it off the market because our real estate agent could access the house for showings. As of today still no keys.
This debt being collected by XXXX XXXX XXXX XXXX in XXXX, MI is several years past the statue of limitations however, they continue to send threatening collection letters.
On approximately XX/XX/2018, I received a billing statement from XXXX XXXX/XXXX at my Mother 's address. I have not resided at that address for over 3 years, in fact- I live in a different city entirely. Apparently, the person who applied for this credit card did so in Puerto Rico- I do not live nor have I ever visited Puerto Rico . They also used {$490.00} of the {$500.00} limit. I did call XXXX XXXX and filled out a document that they sent to me- I made a copy of same and also have the XXXX XXXX statement at home. They also indicated to me that the number that they had on file, associated with this account, was not even my phone number! Yet, when I tried to dispute the card on XXXX, they had the audacity to say that " the information is accurate. This item was not changed as a result of our processing of your dispute. '' Absolute nonsense- additionally, I have set up a fraud alert should anyone try to open any new accounts under my name.
This information is incorrect : XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX   National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
LoanNow has twice overstated the interest due on a simple interest contract. When I have in fact over paid them by {$14.00} they are saying I owe them {$27.00} and am now getting harassed by a collections company for {$95.00}. 

I have provided them with an amortization schedule twice now, the first time after speaking with their management they acknowledged the error and corrected their 'dashboard ' reporting tool and just now a second time showing the simple interest calculation. 

Additionally, this was a scheduled XXXX payment loan which I paid off in XXXX. 

They are defrauding their clients. I am certain if an audit was performed on their transactions you would find a lot more instances of this lender taking more interest than they should. 

I look forward to your response, XXXX XXXX XXXX
On XXXX XXXX XXXX I paid XXXX XXXX XXXX in full for the balance of {$560.00} on XXXX XXXX I received a letter stating that I owe {$14.00}. XXXX when I try to call to ask about this outstanding amount I was given three different telephone numbers and on each number I had to wait a minimum of 15 minutes before someone arrived to tell me that I had to call yet another number. 

1. XXXX told to call MCM direct 2. XXXX told to call the collection department 3. XXXX Seems like they are not being forthcoming in resolving my account. I can see them adding fees and interest to this charge.
Hello on XX/XX/XXXX I was served with a retainer letter on the attempt to collect {$5200.00} from the original Creditor XXXX XXXX by XXXX XXXX XXXX contacted XXXX XXXX XXXX to help me correct the issue according to my recollection everything went fine 2 weeks ago I came across this other letter on XX/XX/XXXX with the same XXXX XXXX XXXX with a different Law Firm WiNN LAW GROUP I have been searching all over the internet called all sorts of law offices to no avail today I came across this site Consumer Finance.gov because during the research I spoke to this fine lady she mention this site I'm ever so thankful now I find myself in a situation with no help in sight I'm so worried thta they might start to garnish my XXXX XXXX I have a very small hours part time work and that sums it all please help me in any way for guidance to solve this humongous problem for me that is ..in one of my interviews with a attorney last night he mention that XXXX XXXX XXXX failed to filed a petition about the case to the court ... thank you ... ..
A letter of notice of error was sent to WVHDF on XXXX XXXX, XXXX which stated the following : This letter is to serve as official notice that an error has been made on my loan account as required under the Real Estate Settlement Procedures Act ( RESPA ). This error was reported to your office on XXXX XXXX, XXXX at XXXX XXXX. by telephone ; however, RESPA only governs  written notices of error. 
My escrow account on loan XXXX has been erroneously charged {$310.00} for Mortgage Insruance Premiums which were cancelled after the XXXX XXXX, XXXX payment. Disbursements were made in error for XXXX XXXX, XXXX for {$62.00}, XXXX XXXX, XXXX for {$62.00}, XXXX XXXX, XXXX for {$62.00} and XXXX XXXX, XXXX for {$120.00}. 
Under Section 1024.35 ( d ) of RESPA I should be provided a written response acknowledging receipt of the notice of error. Section 1024.35 requires a servicer to respond to a notice of error by correcting the error or errors identified by the borrower and providing the borrower with a written notification of the correction, the effective date of the correction, and contact information, including a telephone number, for further assistance ; or conduct a reasonable investigation and providing the borrower with a written notification that includes a statement that the servicer has determined that no error occurred, a statement of the reasons for this determination, a statement of the borrowers right to request documents relied upon by the servicer in reaching its determination, information regarding how the borrower can request such documents, and contact information, including a telephone number for further assistance. 
The servicer should also comply with these requirement no later than seven days ( excluding legal public holidays, Saturdays, and Sundays ) after the servicer receives the notice of error or errors asserted.
WVHDF replied on XXXX XXXX, XXXX that they would review my information and a formal response would be forwarded to me within 7 days. I have not received a formal response as of XXXX XXXX, XXXX. 

It appears that according to my online history {$250.00} has been refunded to my account which is {$62.00} less than disputed. I have not received an explanation as to the difference disputed and it appears my escrow account will be left materially over funded if this is left on account.
This dispute is regarding account # XXXX for XXXX XXXX. 

This is a dispute letter regarding an account for XXXX XXXX XXXX. 
I originally purchased a vehicle for a 12-month lease on or about XXXX. Once the 12-month lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$970.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees ( disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XXXX ( I had purchased another vehicle several days prior ) I was also informed that if there were any additional fees that did not apply towards my initial down payment that I would be billed. 

1 year later, I checked my credit report and the finance company of XXXX XXXX, has recorded a charge off amount of {$12000.00} with a 39-month term  and a monthly payment of {$310.00} on my both my XXXX anXXXX XXXX  credit files, and {$6300.00} for 12 months on another with a monthly payment of {$150.00} on my Equifax credit file. 

My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XXXX/XXXX/XXXX, this company was paid a total of {$7000.00} from XXXX to XXXX. This vehicle was returned on time with no additional monies owed. 

Furthermore, I contacted the company in XXXX XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. After I disputed this issue in XXXX XXXX, XXXX XXXX sent me an email, with a settlement offer for {$220.00} ( for an amount I did not owe ). I asked that if I paid the amount would they removed it off of my credit report, I was told no. 

I have since called the dealership in which I leased the vehicle ( XXXX ), to request a copy of the signed leased ( I have moved since I purchased the vehicle and a lot of paperwork was lost ). I was informed by the Sales Manager that they were under new management and that they no longer have those files ( he did attempt to look for my file in their system ). I was then told to call the finance company, which I did. I asked if there was any way that I could get a copy of the signed leased and I was told no and that I basically had no rights to dispute. I was told to pay the {$220.00} and that the charged off amount would remain on my all of my credit reports for the allotted time. I have disputed this issue with the credit bureaus several times and still no resolution
A woman named XXXX XXXX from an undisclosed company called my personal cell phone from XXXX ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX Pacific Time.  I believed it to be a spam called and so I hung up as I was on a work trip and very busy. I later find out that she called my landlord on the same day and left an incredibly aggressive voicemail for my landlord. The voicemail was forwarded to me - all that XXXX XXXX gave was a phone number ( XXXX ext XXXX ) and demanded that I call her back immediately. She said it is MANDATORY that you call me back. She provided no other information, I have no idea where she works and the call back number is just a voicemail. This is harassment - a debt collection extortion scam attempting to create panic and embarrassment so they can scare people into paying their extortion money. This must stop!
ALL THE XXXX CLAIMS ARE FRAUD AS A RESULT OF ID THEFT HERE IS A POLICE REPORT THEY NEED TO REMOVE THIS THIS IS THERE FINAL OPPORTUNITY BEFORE I FILE SUIT AGAINST THEM
A credit decision was made based upon three false factors : 1 ) Lack of recent installment accounts. In fact, four of the eight accounts cited have been inactive for many years : XXXX : # XXXX ; XXXX  XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX The remaining accounts are all associated with XXXX XXXX with whom I have a banking relationship. There are cards associated with that relationship of which 4 are listed. 

# XXXX # XXXX # XXXX # XXXX The assertion of a " too many accounts with balances '' is false. 
The length of time associated with revolving accounts is false as indicated by payment history. 
The failure of the credit reporting agency to identify " recent information on installment accounts '' may be true : but this is not my problem. 

The outline of my employment history misses several key elements. A clear read of the report suggests that my last employer was the State of Illinois in XX/XX/2007. Again, a falsehood. 

I ask that the " key factors which adversely affected my credit score '' be remediated, as soon as possible. And I thank the XXXX XXXX XXXX inquiry for bringing this matter to my attention. 

A XXXX credit score is nice. But I am well aware that the terms and conditions of this new card -- -my first in some time -- -are less generous than would be the case had an accurate credit report been given. 

Sincerely, XXXX XXXX
I opened a checking account with Wells Fargo and was told in order to open a new account I would have to open a savings account with {$25.00}. So I did this. A few months later I noticed that my balance had decreased. Wells Fargo had been taking a monthly service charge. 
I had not been informed of any service charge at all on my new savings account when I opened it. I called Wells Fargo and they agreed to reverse the service charge but I had to comply with XXXX of XXXX options so I would no longer have a service charge. The option I chose was to main- tain a {$300.00} balance. I transferred {$300.00} to the savings bringing the total amount to {$320.00}. Today I noticed again they took out a service charge even though I was compliant with the rules. I am so tired of Wells Fargo sneaking fees from me. They have done this years ago to me only our balance was {$1000.00} but since we had no activity for 12 months so they service charged us. We also were not aware of that rule.