WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo Mortgage XXXX. XXXX XXXX XXXX XXXX. IA XXXX Subject : Request for specific documents Loan re : XXXX or XXXX Attention : Administration and all inclusive parties involved It recently came to my factual attention that you have a confidential internal data base including relevant information pertaining to the loan and activities evolving during the currency from the origination of the loan until the day you sold the loan at a significant discount to XXXX on or about XX/XX/XXXX. I am requesting all hidden and existing documents with my name on it and in reliance to my person. 

Further it as also came to my attention that the l Loss Prevention Line of Business Referrals unfairly shifted losses caused by fraud to Wells Fargos own customers, many of whom had been victims of identity theft and unauthorized transactions. 


Well Fargos illegal failure to properly investigate reports of fraud and Wells Fargos illegal behavior in wrongfully closing customer accounts. Wells Fargos behavior violated various regulations and laws, including ORS 646.607, ORS 646.608, the Consumer Financial Protection Act, the Dodd-Frank Act, and 15 U.S.C. 45, which prohibits unfair or deceptive acts or practices. 
Please be advised that I have also been a victim of Identity Theft reference year was XX/XX/XXXX. 

Sincerely : XXXX XXXX XXXX
On XX/XX/XXXX at XXXX I received a call from Chase offering me interest rate info. I don't bank with Chase and I don't want them calling me offering me anything. It was a robo call so I hung up. The number they called from is XXXX XXXX XXXX
My complaint # XXXX about XXXX  regarding Bank of America account # XXXX still has not been resolved. The paperwork provided by Bank of America does not validate the alleged amount owed XXXX {$880.00} ). This is my third request for a re-investigation.
Wells Fargo XX/XX/2017 XX/XX/2017 These companies did a hard inquiry on my credit. I didn't give them permission to Check my credit. I contacted the creditors and they have no proof I initiated such inquiries. I requested them to remove this from my experian report. They didn't give me an answer. I has been over two months since I last contacted them.
the creditor agreed to remove my liability on this account on " XXXX. '' account : XXXX XXXX XXXX XXXX XXXX. why they do is playing with my credit, removed the collection from one credit report company and put it back in another. 
I call it and they do n't answer the phone or return your messages, same with the emails. 
hope they do better services to the customers and stop trying to collect money from closed accounts. 
thanks
This company, Hallstead Financial is using number from the area code that my number is in. I live in Colorado, which is mountain standard time, and have received multiple calls from this company using other others before XXXX MST.
Ocwen reports that I own them {$3400.00} in " Past Due Payments ''. History recorded below : INDYMAC sold my mortgage to Ocwen in XXXX 2014. INDYMAC told me to send my check to Ocwen, which I did on XXXX XXXX, 2014. Ocwen sends me my next statement dated XXXX XXXX, 2014, telling me my mortgage payment is due XXXX XXXX, 2014. I call Ocwen, and they just tell me the due date can not be negotiated, and that my next payment is due on that date. I sent a certified letter, no response. I tried several more times, but no response. I have been late ever since. There was no way I could turn another mortgage payment around in 2 weeks.
Describe what happened so we can understand the issue ... 
I called on XX/XX/2017 to file a dispute on my report because of information that was not correct at all. It was not what was told to the company that reported it and the result was the continued raise in insurance rates even though I was a customer for years and I did n't understand why. Upon leaving I found out about the erroneous reporting. I called for the dispute and on today XX/XX/2017 I called to check status since it had been 21 days and I was told that she, XXXX the rep I spoke with, could not even find the dispute. This was outrageous! It is a way to continue to gouge customers and continue to force lies regarding people. Fact checking need to be done before reporting, it affect lives of people, because citizens have to jump through hoops to get it corrected and it cost time and money that we already can not afford. This has cost me years of money and I am already owed a refund of my current insurance pending the correction of this documentation. I am demanding compensation for this outright lie. I can not be at fault for an accident that is not my vehicle, when I am the passenger in someone else 's vehicle! It is impossible. This needs to be corrected immediately!
I have recently submitted a dispute with this credit bureau earlier this month in regards to some line items which were being reported on my credit report. After having an investigation done it was found that a couple of accounts being reported were deleted but not all. Since then I have paid off some debt I owed on my credit card and brought my utilization down to a zero balance. I have reached out to one of the accounts being reported to the credit bureau and was told that they submitted a request to have the line item removed yet it hasnt happened. I just recently checked my credit score only to find out that my score went down 17 points. I have called the credit bureau to find out why they havent taken off the collections from my report, and why since some derogatory items which were removed earlier this month have a negative reflection on my credit report. Also why since I have paid off my credit card has my score dropped down 17 points. I still have yet to get any resolve to my original complaint I have filed earlier this month. All I receive is general statements referencing their concerns and how they would love to address my situation and fix the problem I am having with them. Attached to this complaint is screen shots of the mishandling of my credit report.
I am an XXXX in Ohio for the past eleven years. I applied for the XXXX Loan Forgiveness program to my loan company, Great Lakes Higher Education Corp. for the first time in XX/XX/XXXX, and have been denied five times, the last time because they said that I have not " obtained full state XXXX as a XXXX or passed the XXXX. '' That is incorrect. XXXX ( XXXX ) are the designated XXXX are XXXX, and XXXX design the XXXX. Ohio gives XXXX a different XXXX than other XXXX. But many XXXXs have received XXXX Loan Forgiveness as XXXX, so perhaps their state 's give a better-sounding name to the XXXX or perhaps the same XXXX as a typical XXXX. But whatever a state 's standard may be, it is completely arbitrary and should in no way restrict an eligible and worthy XXXX to these much earned and needed benefits. For the loan companies to have the authority to deny a loan forgiveness eligibility for a loan that they own in the first place is questionable and should be illegal. My desired resolution would be for Great Lakes to send my application on to the federal Department of Education for approval for the XXXX Loan Forgiveness in the amount of {$17000.00}.
I have reviewed my credit report for accuracy information I notice that my inquiry 's were removed and reinserted without proper notice by law section 609 you ca n't reinserted previous removed items without notice to the consumer causing my credit report to have damage changes
I contacted Trans union about a problem with an update on an account I pay on this on time all the time for over 2 years.
I noticed in   XXXX   that it had not been update since  XXXX .
I contacted them and Her English was poor at best, asked me some questions about the account.
She told me to get my payment history and submit it.
Never did she say what would happen next, I decided to let it go and hope it would get resolved after discussing with the Dealership.
They completely took not 1 but 2 loans off my report.
They were both in Very good standing without a missed or late payment ever.
Trying to rebuild your credit is hard enough, But have inept workers who barley speak or understand English in a job like this is unacceptable.
All the effort into getting this resolved has fallen on def ears
On the day of XX/XX/XXXX I received my regular check from my employer which it was the amount of XXXX. I later on mobile deposited onto my account and left the check in my purse for several months. on XX/XX/XXXX I went shopping at XXXX and someone stole my yellow mustard purse which contained my work checks from my employer. I was lucky to have my wallet on hand while my purse was on the shopping cart. unfortunally I turned around for a sec and the purse was gone with my personal belongings, phone and checks that where by digital deposit into my account. days passed and on XX/XX/XXXX my employer came up to me and asked if I re cashed a check from XX/XX/XXXX for the reason that XXXX was deducted from her business account. I later realized that the same check I mobile deposit on XX/XX/XXXX was re cashed on XX/XX/XXXX and of course my employer went to her bank and filed a fraud complaint regarding the stolen money. A week had passed and I log into my account and I realized that I was XXXX less which I was confused and of course called my bank immediately and my bank had said they took that money and put it back to my employers account which is bank of America. I was furious because now my account is being affected due to this money being less. I went to my employer to let them know money was taken out of my account and they rushed into their bank to talk to a bank of America manager to let them know that the check that was cashed on XX/XX/XXXX was thef. I called my bank several times and they could n't do anything for me they stated that the check was cashed on XXXX XXXX and suggested for me to go and talk to them regarding my problem. I did go and explain my situation and said they could n't do anything for me. I went to bank of America ( where the check is originally from ) I explained that fraud claim was made and I wanted answer, they could n't give them to me. So basically a check with my name was disputed/cashed in XXXX XXXX without my Identification or knowledge. I need answers and of course my money back. Bank of America did n't look into investigating bank XXXX where the check was disputed and they went after my account to take the money out. I need answer I have a police report as well and when my employer went to do the fraud complaint she took the police report to show it is thef.
On XX/XX/XXXX, I received a bombshell letter from one of my credit card companies, FIA Card Services ( Fidelity Investments ) saying that my MasterCard account had been canceled for XXXX reasons : history of delinquency ; balance relative to credit lines too high. Neither is true. I 've had the account since XX/XX/XXXX, and I 've never once been late. For the last XXXX years, I 've paid all my credit card balances in full each month. Of my available credit, I utilize less than XXXX %. How can anyone consider that excessive? The " delinquent '' bill in question turned out to my Bank of America MasterCard, in the amount of {$25.00} [ I made a donation to my XXXX XXXX XX/XX/XXXX but never received a bill ]. The FIA Card Services letter referred me to XXXX XXXX XXXX to dispute it. I tried calling FIA direct but they basically said their decision was final, that I was a " poor credit risk. '' Up until this happened my FICO score was XXXX. It 's now dropped to XXXX. Yes, I paid the bill XXXX XXXX [ It took 2 hours and required purchasing a {$9.00} online report from XXXX, unless I wanted to wait 2 weeks for the snail mail version, to even find out what it was that I owed and to whom. ]. Their behavior seems more than a little draconian. Please, can you help?
I am writing you to bring attention to the Forgiveness Loan Program through XXXX XXXX are not working. In XX/XX/XXXX, I took out a student loan for {$5000.00} to attend XXXX XXXX XXXX XXXX ( XXXX ) to work myself off of XXXX and provide a future for my children. I worked a number of jobs before my career started at XXXX XXXX XXXX in XXXX. 

Firstly, I have been paying on this student loan since XX/XX/XXXX. On XXXX XXXX, XXXX, I filled out and submitted the Forgiveness Loan Applications. I received a letter for my last job that I worked at that time, but not for my 14 years of service from XXXX XXXX. I telephone them about my XXXX XXXX XXXX application and they stated that they had not received that one, so I re-faxed it. I received another letter regarding that my XXXX employment was approved, but I misplaced it and never heard anything from XXXX again. In XXXX, XXXX, my husband and I filed bankruptcy. Of course, Mohela ( who I have been paying my student loan through for the last 2 - 3 year ), even though they knew I had applied for the Forgiveness Loan program ; put my student loan in the bankruptcy anyway. I have filed complaints with the XXXX and the Consumer Financial Protection Bureau. 

Secondly, today, I received a response from the XXXX that XXXX XXXX XXXX, of Borrower Experience Advocates XXXX XXXX | XXXX, stated that I need to continue to work with XXXX. XXXX is refusing to help me. He is telling me that my bankruptcy attorney needs to get it out of bankruptcy, but knows that his agency approved me for the forgiveness loan. 

Finally, on XXXX XXXX, XXXX, I sent an email to my State Representative XXXX, whose office has not done anything. I should not still be paying on a {$5000.00} dollar loan from XX/XX/XXXX - XX/XX/XXXX, this should have been paid office.
I contacted the collection agency ( Ad Astra Recovery ) several times and they continue to tell me that they can not provide me with proof/paperwork showing my ownership of a debt for {$500.00} with XXXX XXXX taken out in XX/XX/2013. I told them its on my 3 credit reports and is the only negative item. I disputed the {$500.00} several times and still can not get proof of this debt. I was told that they flagged the debt as fraud and to provide a police report then they will investigate. XXXX County refuses to let me file a police report from a debt dispute from XX/XX/2013. I am going in circles and this is my worse nightmare.
I have tried a few times to correct this issue with Transunion. Most recently a dispute on XX/XX/2018. Regarding incorrect information on the birth date showing on the credit report. I have sent them information trying to correct this matter. Sending documents as proof of the correct birth date.
I completed an application and was approved for a personal loan with Lending Club on XX/XX/2018 for the amount of {$3000.00}. Before Lending Club was to deposit the amount into my checking account they had a simple verification process. This process seemed standard and included a few small deposits of less than {$1.00} to verify the account information. I did not receive these deposit amounts into my account in the time suggested and got an email notification on XX/XX/2018 that I had received the loan amount which was incorrect. 

I promptly contacted Lending Club support to make sure that everything was done correctly on my account via their website support form. They told me to update my account info in my online account and I waited for further instructions or the deposit. I successfully received the standard test deposit of {$0.00} and a withdraw of the same {$0.00} on XX/XX/2018 but not the loan amount. 

After a couple business days I contacted them again through their support form on their website. Lending Club support emailed me back on XX/XX/2018 and provided a temporary number at which to call them back. This number did not work shortly after we completed the phone call. I was instructed to contact my bank and get fax information for Lending Club support to use. I retrieved the information and gave it to Lending Club via their website support form. 

I had no updates, after this, and again requested support via the Lending Club website support form again most likely around XX/XX/2018. Their support system emailed me back with a generic wiki message that had nothing to do with my account on XX/XX/2018. On XX/XX/2018, having heard nothing else from them, I returned a message to them directly emailing XXXX. 

Lending Club support then contacted me back via email and we have an email chain from their message on XX/XX/2018 to XX/XX/2018. This communication was basically Lending Club support trying to contact my back and also myself contacting my bank trying to verify what happened and what transactions did or did not occur. I followed up with an email on XX/XX/2018 and have not heard a response or concern from Lending Club since. 

In conclusion, I have not received the promised loan amount to date. We confirmed with my bank, XXXX, that they did not receive any deposits from Lending Club either into my account or into the possible alternate account that was the incorrect account number at the start. Lending Club keeps not being clear about what happened and their support is not adequate to solve this issue. 

Again, my bank to be deposited into is the XXXX XXXX XXXX XXXX XXXX. Their support has records of the calls and the conversations about the Lending Club issue as well. 

So that my personal credit is not affected by this, I have been making the automatic monthly payments to Lending Club even though I have not received the loan amount that I am paying for.
I have submitted several request to Equifax about XXXX account that was paid in full. They claim they researched it but I do not believe them. I have a letter from company saying its paid, however, Equifax says they spoke to creditor and it 's not. I think they are not looking up information. The company wrote me a letter because of this issue. Please help
I have a account in collects stating iI owe money for a hospital visit at XXXX XXXX XXXX XXXX  for a total of {$100.00} with sequoia financial services. I have never been with or used this office. I have contacted Sequoia via phone on several occasions on each time they were not able to find any info when i gave my name XXXX XXXX and social security however they could give me no other info and it remains on my report. I finally was able to speak to a supervisor on XX/XX/2019, XXXX XXXX, he instructed me to email all the info, a copy of the information on my credit report, which i did, i have since not been unable to speak to him and no one else can help me.
I am requesting that this claim be removed from my credit report. 
I never received documentation on this claim from Mutual Management. I have XXXX debt collection agencies requiring payment for the same claim originally made in 2010 and sold to Mutual Management SR by XXXX XXXX XXXX of Alabama. I have verified over the phone with both debt collection agencies that the claims are from XXXX XXXX XXXX and for the SAME CLAIM originally made by XXXX XXXX XXXX. In order to verify this in documentation I have pursued Mutual Management SR seeking documentation on the claim. These are the steps I have taken with Mutual Management SR : 1. I have not received any documentation on the claim from Mutual Management SR, they are required to send me documentation of the details of the claim made. 
2. I called Mutual Management SR home office and spoke to a representative requesting documentation of their claim, verifying my current address. No documentation was sent to me. 
3. I sent a letter ( attached below ) requesting documentation of claim XXXX within 30 days requiring they remove the claim from my credit report if not received. No documentation was sent to me. 
4. After 30 days of the first letter I sent a second letter ( attached below ) again requesting documentation on claim XXXX or to remove the claim from my report. No documentation was sent to me. 
5. I contacted XXXX XXXX XXXX over the phone and spoke to a representative requesting documentation, I also informed them that another debt collection agency was seeking payment for the same claim and they needed to be contacted. Again no documentation of claim XXXX was ever sent to me. 

The original claim made by XXXX XXXX XXXX in 2010 was that I had not given them proper notice to end my lease ( 60 days ). I gave them a 30 day notice before my lease agreement ended for job transfer to another state. I forfeited my deposit to them for this reason and they still attempted to require of me moneys even though the deposit would cover the extra 30 days rent. I never agreed to their pursuit of extra rent money and thus they sold the claim to XXXX different collection agencies. I have never agreed to this collection claim. 
The original claim made by XXXX XXXX was erroneous and XXXX XXXX XXXX was required to send me documentation of this claim and never did so. Please remove this claim from my report. Thank you
I set up recurring automatic payments for a credit card and line of credit account with Wells Fargo Bank, but their system did not register this and two months later, I received a call my account was in collections for failure to pay. On the same day I set up the recurring payments with this bank, I set up recurring payments with XXXX other banks I have accounts with, and those have processed successfully.
I filed an identity theft report with the FTC on XX/XX/2018. This is the report number : XXXX. Equifax is not removing the inquiries and accounts associated with this report of identity theft. I spoke with an agent from Equifax on XX/XX/2018. The agent said that he would remove the inquiries immediately and furnished the following confirmation number : XXXX. Upon calling for an update on XX/XX/2018, I discovered that the agent did not remove them as promised- despite me furnishing Equifax with the identity theft report, confirmation # XXXX.
I have asked XXXX XXXX XXXX to produce the original contract beating my signature on the authorization agreement for a few months now. The only thing they send is the letter I will attach and billing statements which do not legally prove that I requested the alleged account to be open in my name.
I have called the collection agency on several attempts Ive asked to know the dates for the services they say I received and they do not know Ive explained that I have never gone to XXXX XXXX especially not in XXXX as it says on my credit report I have no idea why XXXX XXXX did not bill me directly if in fact I did receive services from them plus the collection agency is reporting the same claim in 4 different collections making my credit report have 4 derogatory marks Ive also told the collection company that I am dually insured  and never have to pay any balance for any medical service because I have ppo insurance with XXXX by XXXX XXXXXXXX XXXX of XXXX Illinois fund and full Medicare Plus for any services that are not in a hospital require a claim form to be filled for specialty services So I would have received a letter from my insurance to fill out for this claim which I have not or if I had to go to this certain imaging company on my doctors referral I would have called my insurance to advise them that my doctor made the referral and faxed my insurance the referral for them to fill claim form so that I would be covered beforehand and not have to wait for a bill then fill the claim form I never received any bill from XXXX XXXX They continue calling and calling after Ive made several tries to have this issue resolved