WillisBack/dataset-financial-user-claim huggingface dataset:
This is in regards to Wells Fargo XXXX CA I have had this Visa Card for many years. I fell behind but continued to pay. I started noticing Monthly fees for Purchases & Cash Advances. I have not purchased anything on this card since in over 10years & cash advances were paid back when my payroll check was deposited. I have been requesting an explanation of fees since the beginning of this year. 
There has been no response other than they are looking into it and I am free to call the dispute dept. I want a visual of what I purchased and what cash advances I have generated. My balance is XXXX 90 % is Cash Advance Interest, Purchase Interest & Late fees. I do n't use this card. They do not respond other that emailing me in my in-box telling we they are working on it and I am a valued customer. Nothing is personalized. I have advised them I am not paying until this matter has been addressed ... Please help.
Chase Bank C/C Web site showed my payments made and complete. When in fact they were not paid and were retracted XXXX weeks later giving a scam artist the ability to snag {$100000.00} of my dollars. I was suspicious of this company so I covered myself with alerts on my account and watched it every day to know when payments were made and when charges hit. I received no alerts at all until I called Chase and told them that they had been subjected to fraudulent activity. 
On the web site a note pops up about Chase Bank verifying that any pay account is verified that It belongs to the account holder before approval. This was not done or I would not be in this mess.
XXXX card agreed to remove fraudulent account information then 4 months later started reporting again and sold the debt to a collection agency. A complete identity theft report has been mailed to both companies by certified mail.
I 've been a member of PAYPAL and Ebay for over 12 yrs. They have a policy/agreement that is to pay instantly to my account if I have a certain amount of sales. I have had more than enough to qualify and for years Paypal has instantly put my Auction sales in my accessible funds. Today I sold over XXXX items on Ebay and Paypal made all except XXXX available. So I called to find out why a hold was on it. XXXX Paypal claimed it was because of an shipping number when the label was paid for through Paypal w/ the tracking #. Then they claimed it was because of algarhythym and the computer is treating my account like a new XXXX so I will not get my funds as per their agreement and that although they verified the tracking and that it is an " As Is " No return ad in the auction I still have to wait until 3 days after the person gets the item or 21 days before they release my funds.
My bank ( Wells Fargo ) is holding my monthly Federal annuity check ( amount {$2800.00} ) and not posting/crediting to my account on the date they receive it. I know this because my previous bank always posted on the date they received it which on nearly every occasion was days before the XXXX of the month. I believe Wells Fargo is holding it and earning interest on my funds.
I am writing to dispute the following information in my file. I recently received a copy of my credit report and these inquiries remain on my report after explaining several times that these are not valid. The credit report showed credit inquiries that I didnt authorize. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity. Sincerely, XXXX XXXX
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
I paid off my vehicle loan for a XXXX XXXX XXXX to CarMax Auto Finance, in full, on XX/XX/XXXX in the amount of {$11000.00}. After recently moving to another state and needing to register my car in the new location, I discovered CarMax still has themselves listed as a lienholder and will not release the title despite providing them a bank statement proving the loan was paid, per CarMax 's own instructions. 
I have called the Auto Finance department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to get this issue resolved.
I have received a NOTICE OF DEFAULT AND INTENT TO ACCELERATE from the mortgage servicer Bayview Loan Servicing , LLC . 
The letter claims I have a mortgage that is behind {$13000.00} I submit I have no mortgage for the following reasons : 1. I received on XXXX XXXX a CHANGE OF CREDITOR letter from Bayview ; it states the new creditor is XXXX, with an address of XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX - See Exhibit A. 
2. This address and phone number belong to XXXX BANK. See Exhibit B 3. I visited said address and XXXX BANK disavows any knowledge of " XXXX '' and of XXXX XXXX in any of their records. 
4. A search of the SECURITIES AND EXCHANGE COMMISION database reveals that the true address of " XXXX '' is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FLORIDA XXXX ( XXXX ) XXXX. This is the address of " Bayview Loan Servicing '' and " Bayview Asset Management ''. * See Exhibit C. 
5. A search of the XXXX system shows that mortgage MIN XXXX ; its present status is INACTIVE. This means this loan was " written off/ discharged '' and " transferred out of the XXXX system ''. See Exhibit D. 
6. The XXXX system lists XXXX BANK as " Trustee ''. A TRUSTEE is NOT a BENEFICIARY, which would be the true owner. 
7. Cleared checks show that all monies went into Bayview 's accounts and some checks have the statement " Bayview for Deposit Only '' crossed off. See Exhibit F. 
8. By their own boilerplate text, Bayview Loan Servicing is a debt collector, NOT A LENDER, NOT A CREDITOR, NOT A FINANCIAL INSTITUTION. See Exhibit K XXXX. XXXX XXXX records show irregularities : See Exhibit XXXX -The original note with Decision XXXX has been recorded but all following assignments are missing ; the note was transferred to XXXX XXXX See Exhibit G. 
-After XXXX XXXX the loan was transferred to XXXX who modified it to a fixed rate, See Exhibit H. 
-The County representative interpreted the records for me and indicated Bayview Loan Servicing , LLC . Had bought the Decision XXXX document XXXX - I can not see how since Decision XXXX shutdown in XXXX. XXXX XXXX XXXX & XXXX. 
10. As it stands, I HAVE NO MORTGAGE with any LENDER IN THE XXXX XXXX or POLITICAL TERRITORIES. 
XXXX The above facts could be construed to demonstrate mortgage fraud by Bayview Loan Servicing XXXX at a minimum they clearly demonstrate that at no time did we owe Bayview any money. Therefore, since the alleged mortgage was written off and Bayview never had any rights to demand money from me, I demand Bayview Loan Servicing should immediately reimburse me {$7900.00}, which are the monies they unlawfully extracted from me after XXXX XXXX, XXXX. * *Exhibit XXXX
I filed a proper dispute with Equifax on an unknown medical account # XXXX placed with XXXX XXXX XXXX for {$110.00} on XXXX-18. I contacted XXXX XXXX XXXX  with a dispute and request for validation on this unknown medical account as per instructions from Equifax on XXXX-18. I re-disputed to Equifax with a copy of my dispute letter to XXXX XXXX XXXX on XXXX-18 along with proof of XXXX XXXX XXXX ' receipt of the dispute. Equifax 's refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and FACTA.
Terrible customer service. I opened a credit card and it has been under review for no reason for weeks so I ca n't use the card. I have called and verified my information multiple times and have confirmed the charges. I am completely upset by this company and will never do business with Chase again.
I RECENTLY CONTACTED PORTFOLIO RECOVERY ASSOCIATES ALSO KNOWN AS XXXX XXXX. I ADVISED THEM THAT THE INFORMATION WAS INCORRECT AND OFFERED TO RESOLVE THE ACCOUNTS. THE INCORRECT INFORMATION CONTINUES TO SHOW ON MY CREDIT REPORT DAMAGING MY REPUTATION.
On XXXX XXXX, I saw an online offer for a XXXX XXXX XXXX checking account where you would get {$200.00} for opening an account and having 3 direct deposits post to the account. I was interested and followed the steps and successfully opened the account. XXXX XXXX asked for an initial deposit of at least {$25.00} and I provided my routing and account numbers for my Chase checking account to send them a {$30.00} opening deposit. On XXXX XXXX, the {$30.00} left my Chase checking account as a withdrawal from XXXX XXXX funding. 


On XXXX XXXX, I realized I have something coming up where I would n't be able to transfer my direct deposit and fulfill the offer so I decided to close the account. I went to my local branch to close my account and get my initial deposit back but was told it was never received. I showed the branch manager the line item on my Chase account for the funding withdrawal on XXXX XXXX but she was told they had never received it and that I would need to call Chase as it was on their end, not XXXX XXXX. They let me close the account and I was told the initial deposit would come back to my Chase account eventually. I called Chase and XXXX XXXX on the XXXX, XXXX and XXXX and have been bounced back and forth between companies blaming each other for the missing funds. This is n't a large amount of money but I do not want to forget about it and then just not ever get the money back. If I could get help with this it would be great. Thanks!
My husband and I filed bankruptcy on XX/XX/XXXX and all of our debts were discharged. Citibank is reporting that my account is late every month to the credit bureaus and is ruining my credit score. They started doing this in XXXX of XXXX and have been reporting it late every month yet my balance is showing that {$0.00} is owed. This debt was discharged along with the others. I called them but they couldn't even find the account and said it was probably sold to a collection agency yet I haven't got a single phone call or letter from any collection agency. I would love to get this removed from my credit report because it is making me pay more in finance charges by lowering my credit scorXXXX. Any help you could give me would be appreciated! Thank you!
XX/XX/XXXX one of my sons asked me to pay his XXXX cellphone bill for him. I did this with him by using the XXXX online bill pay on his account. I paid the bill by giving XXXX a bank sort code and bank account number for one of my bank accounts, and authorizing them to make a single deduction to pay a single bill. The transaction was successful and this should have been the end of the story. However.. 
I made the mistake of using a bank account which I do n't track closely. Then XX/XX/XXXX I noticed an unusual debit on that account. Upon investigation I discovered that XXXX had used the bank information which I provided in order to make an additional XXXX unauthorized debits over the 6 month period between XX/XX/XXXX and XX/XX/XXXX. I immediately notified my bank and disputed the transactions. They were only obligated to refund fraudulent transactions up to 60 days prior to the transaction and they have now refunded XXXX of the XXXX transactions and put a permanent stop on future debits from XXXX. 

I have of course tried to fix this with XXXX. My son canceled service with XXXX XX/XX/XXXX, and XX/XX/XXXX I have spent hours on the phone with XXXX customer service agents who claim that they are not even able to find my son 's telephone number in their system, and in any event they would not talk to me about it because it is not my account. Yet they have my money. 
On XX/XX/XXXX I sent a very detailed letter to the office of the President of XXXX. They responded to say they have received the letter but have not resolved the issue, nor have they responded to repeated telephone calls to follow up. 
XXXX have, either fraudulently or mistakenly, debited my bank account 4 times and seem totally incapable of resolving this. I do n't where else I can go to resolve this and am hoping that CFPB can assist.
I have sent numerous letters requesting that unauthorized inquiries be removed from my credit report. I sent one this month as well as last month the month before and they refused to remove inquiries they were not authorized by me and it's causing negative impact on my credit report.
I received a call yesterday that went to voice mail. The message stated it was regarding a court case. No mention of who they are. I called the number back and the phone rang, yet no one has ever answered. I've tried several times today to call and still no one answers the call. 
This is what enrages me, my NEIGHBOR rec 'd the same call and had a message of their answering machine for me about the same court case that I got a message about. They are an elderly couple and were worried about me. And today, my boyfriend rec 'd a call from them too about me and the court case. He tried to answer the call but no one was on the other end of the call and the call automatically hung up. 
He and I nor my neighbors have EVER ventured into any financial arrangement ( s ). How are these people getting their numbers? 
their phone number is XXXX
Home Depot sold me a credit card a couple of years ago by offering an immediate savings on something I bought. I agreed to take a small balance card and took good care of it until a few months ago. I had n't used the card for some time, but when I looked at the bill today, it had a balance of {$75.00}, with the only new charge being a {$37.00} fee. I did not expect to pay {$35.00} per month for a card I use very infrequently, and so I called the XXXX number for account inquiries. I asked how long they had been making these charges. Instead of answering, they made confusing assertions that maybe I had not paid the last {$18.00} on a bill at one point, though they admitted I had no prior problem with the account. So, they said, it was only " fair '' that they charge me {$35.00} per month thereafter. The " escalation desk '' admitted to making multiple charges, but would not admit to the total or adjust the balance except for the most recent charge. After I repeatedly asked, the individual finally admitted to working for CITIBANK. So I will return my card to the Home Depot branch that sold it to me and tell my story. 
This behavior is obscene, and I thought it had been dealt with in the context of recent financial reforms. If you do n't regulate this kind of gouging, what DO you regulate????
Debt was placed in collections 2 days ago from an account that was supposedly open XX/XX/2018. I do not have a bright house account and this is not my debt that they are trying to collect. I never received any phone calls or letters from this company ( Waypoint Resource Group ) in the past 7 months. The company does not answer calls or return calls.
XXXX XX/XX/16 XX/XX/16 Never gave permission to run my credit. They did it twice.
My mortgage was recently transferred to Freedom Mortgage. Paperwork was filled out so they would automatically withdraw money from my account on the XXXX of the month. They started withdrawing the funds for over {$300.00} more than my payment and have not been crediting it to my account. I have spoken to them numerous times and asked them to cancel the auto pay. I have started making the payments by mail. After instructing them to stop the auto pay they again still billed my bank for the auto pay. They also do not know where now approx. {$4000.00} of my money is.
On the XXXX Mortgage Account, there should be a comment/status that when the mortgage was adjusted under the HAMP program, THE LATE PAYMENTS ARE NOT ACTUALLY LATE, but a direct result of paying the LOWERED MONTHLY PAYMENT ON TIME and NOT paying the original coupon amount. THERE IS NO WAY TO AVOID THIS due to the way the bank/program is set up. 
On the XXXX Account : It should NOT be included in AVAILABLE CREDIT or CREDIT USAGE. It has been CLOSED for YEARS! It 's counting against me in several categories.
I was going to apply for a credit card and mortgage in XX/XX/XXXX but found that my credit score had dropped from over 800 to mid 600s. I did pull my credit report on XXXX XXXX and found that XXXX XXXX was reporting twice and with a 90 delinquency. XXXX was taken over or sold to XXXX XXXX around that same time the delinquent reporting started so it was reported incorrectly. We had our mortgage company contact the two incorrectly reporting credit bureaus, Equifax and XXXX to have them investigate and change the reporting errors. XXXX XXXX company was the company that submitted this request around XX/XX/XXXX. They said the change is usually made within 7 days of the request. They submitted all the documentation that they received from XXXX stating the account was paid on time and in full. We waited 30 days with no changes. I then filed a complaint myself through the credit bureaus on XX/XX/XXXX and again submitted all necessary documentation. I had to purchase the credit reports so I could then file the complaints and asked for the investigation. This is a simple case of improper credit reporting and this should have been rectified immediately. This is now going on two months.
DATE : XX/XX/2018 @ XXXX XXXX XXXX XXXX LEFT A VOICEMAIL ON MY WORK PHONE STATING THERE ARE TWO CHARGES PENDING AGAINST ME AND THEY WILL CONTACT MY HR DEPARTMENT.

ACTION TO GARNISH MY WAGES COMPANY IS WILLING TO MAKE ARRANGEMENTS IF I CONTACT THEM TODAY
charging me fees that they should waive they put a fee in b/c crediting my account so they need to reverse the fee
I received a letter dated XX/XX/2017 from a company called XXXX XXXX XXXX ( attached ) stating they were the new owner of my credit card debt from XXXX. Subsequent to this letter, I have received numerous letters from other companies regarding the same debt. One even sent a letter with a fake XXXX XXXX logo on it. I received numerous phone calls on my phone ( work and home ) from someone threatening to file lawsuits against me for this debt. They also came to my home and left a card on my door claiming to be a XXXX County Courts Process Server. But the card did not include the court number or any other information. I have been getting letters from a several letters from supposed law firms wanting to represent me in this supposed lawsuit. I went to the public records as they stated in the letters and because I have no court documents or court number I couldn't find out any information. These people coming to my home over one credit card is an invasion of my privacy and makes me feel for my safety and for my elderly Father 's safety. He is very ill and these kinds of tactics are detrimental to his health. I have included all the correspondence but was unable to transpose the voicemails.
This debt does not belong to me. I do not have an XXXX account. My business did business with XXXX for 15 years. I hade a dispute for Long-distance charges that were charged to our account in error, XXXX made a connection error on a remote-call-forward causing a {$.00} charge for every call placed to the remote call forward connection. The service was there specifically to avoid these charges. They made an error in it 's set up and the XXXX people that were in charge of billing did not understand the technical error the installation people had made. Due to the confused people I spoke with I was left with disputing the error over and over again. Now again, ENOUGH!!!
Penn credit reported a new debt without contacting me directly. I would have asked for verification per law, and if verified paid it in full before it was added to credit report. I have never been contacted by this collection company for this account.
I have constant phone calls from American Express ( they say they are from American Express ). They ask for XXXX XXXX. XXXX XXXX is my ex-husband we've been divorced since XX/XX/2002. When I explain this they demand that I provide them with his phone number. I've not done so, but I have forwarded their phone numbers to my ex-husband. I've also asked them numerous times to stop calling me, they have not stopped calling. It's been 4 months. 
The phone numbers are XXXX XXXX
This account was paid and closed and Is showing collection on my credit report. I was told by the collection agency that this would be removed. I want this account removed from my credit.
We feel that we were given misleading information about the balance owed on a new XXXX XXXX. We voluntarily gave the car back to XXXX. Settlement amount was {$8200.00} We paid to XXXX XXXX XXXX We have a XXXX balance. XXXX is reporting that we have a balance of {$3400.00}
21st Mortgage is holding my insurance payments for the repairs on my home. In order to obtain my funds, I am required to submit estimates and XXXX 's from each subcontractor. Once the necessary paperwork is submitted, it takes a minimum of 10 days to process the payments. If there is a problem with the paperwork, I am not contacted. I have to contact the mortgage company to find out why it is delayed. For example the payment to XXXX was delayed because my wife was told that because they were an incorporated business a XXXX was not required. When she called to find out why the payment had been delayed, she was told they did not submit a XXXX. Then she had to contact XXXX to obtain XXXX. I then had to wait another 10 days before their funds were released. This is not the first time I have been given inacurate information. Each time me or or my wife calls, they tell us something different. Further more, once I receive a check in the mail, it is made payable to me and the subcontractor. The bank requires both of us to come in person in order to deposit the funds. Then the subcontractor has to wait until the funds are released. This further delays the repairs on my home. My mortgage company has also informed me that all the money I spent on materials required for demolition will not be reimbursed until the final payment. On XX/XX/2016 I received a letter from 21st Mortgage that in order to receive my final payment my mortgage must be current. I do pay my mortgage on time. I am finding it increasingly difficult to do so while waiting for the mortgage company to release my insurance funds, because some of the repairs I have to pay for first, then submitted the paperwork and wait for the check to arrive. Once the check arrives I have wait XXXX business days before the funds are released. My home only took in XXXX '' of water but because of the mortgage company It will be the beginning of next year before the repairs are finished.
Since XXXX XXXX XXXX 2016 I 've been receiving mail from some unknown thing called XXXX. It 's stating that I owe {$430.00}. I do n't know from where, who, why, and for what. It 's been a year and I 'm pretty sure if I owed money like that, XXXX or whatever it is would 've been took other action to get in some other form of contact with me!!! I 've only received mail. I do n't even know how it has my address. I ca n't have that on my credit and I 'm not paying for something I know nothing about that has been there for a year and has n't accumulated in amount!