WillisBack/dataset-financial-user-claim huggingface dataset:
I am submitting this complaint about XXXX credit reporting agency. I have been disputing an account " XXXX XXXX XXXX '' that is reporting on my XXXX credit report for months now. To reach a live rep at XXXX was extremely difficult and I am unable to file another dispute online as the system will now allow me. This account has fraudulant charges on it from a few years ago. I disputed it with all 3 credit reporting agency 's XXXX did there investigation and it was deemed that the charges were fraudulant so the account was removed off my XXXX credit report however XXXX is still reporting it. Having this information report is affecting my credit score in a negative way. I do not owe this money as the card was stolen and fraudulant charges were made on it. I am consistentaly disputing this account. My biggest question is if XXXX received verification to delete it off my report why isn't XXXX  receving the same response? I do not no what is reporting on transunion as I haven't been able to view a current report from them either. I requested an updated transunion report but never receveid one.
Hello, I sent a certified letter to TransUnion on XX/XX/XXXX where I asked for proof to be provided that I consented to inquiries on my credit report as well as the accuracy of these inquiries. I also asked that if no proof could be provided that these items be removed immediately from my credit report. No proof has been provided and these items have not been removed as requested. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX   Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX   Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 


The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
This complaint is in response to case # 'sXXXX XXXX. did get in touch with me. The very XXXX time I got a call from wells fargo not asking for my deceased wife. He still refuses to answer any questions concerning accounting and proof of authority concerning My deceased wife 's defective " Note and Deed of Trust '' or the alleged loan that never took place, evidenced by the defective " Note and Deed of trust '' Miraculously thanks to your investigations correspondence is now being made to myself and " THE ESTATE OF XXXX XXXX XXXX XXXX '' Whereas prior to your investigations., all correspondence was made to XXXX XXXX XXXX XXXX making it appear to the court, public and potential victims hoping to purchase my home, from Wells fargo that she is a living breathing defaulting bad person. Which is not only unacceptably disrespectful to my beloved deceased wife, but also slander and defamation of character towards the sweetest, most thoughtful and beautiful human I 've ever known.Wells Fargo is still with no way to prove any authority to do so, only color of authority rescheduled a TRUSTEE / FORECLOSURE SALE for XXXX XXXX. I am filing a 'MOTION FOR PRELIMINARY INJUNCTION AND TEMPORARY RESTRAINING ORDER in THE XXXX JUDICIAL DISTRICT COURT, XXXX COUNTY, XXXX . ( attached ) to hopefully not have my right to due process of the law violated, my deceased wife 's character violated and my property and home stolen by these criminals, XXXX XXXX XXXX XXXX ( alleged Trustee ). XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( original alleged lender ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and WELLS FARGO. I thank you for your help thus far. Please do n't let them get away with their crimes and disrespect to my beloved deceased wife.
My sister provided Hyundai Motor Finance my phone # while hers was not working. I received a call from their XXXX number and when advised my sister was not available and asked who was calling. Female declined to identify herself or her company. I advised that the cell phone being called belongs to me and they no longer have my permission to dial my number manually or via their automated dialer. Female then hung up on me. My sister took care of the past due payment ( was just an oversight ) and we assumed everything was good. payment rec by HMF on XXXX/XXXX/15. On XXXX/XXXX/15 I recevied another call from HMF. I had my sister call back and they advised her account current and no record of call. Advised could furnish proof of call and requested again that they no longer call me.Rep said nothing he can do. Sister requested supervisor who told her the only way they would guarantee no calls to my phone is if she revokes her permission for ANY phone contact. My sister said she still wants to be contacted, just not at my phone number. Supervisor said nothing he can do. Also said that there were no automated calls out and that the only way she would have been dialed after she revoked permission, would be a manual dial. I called back in and advised that it is my cell and I revoke authorization, that they absolutely were not to manually/auto call my number any further. Ultimately they were calling out to an unauthorized party about a current account ... manually. Intentional harrassment. I received another call today from the XXXX number and a 28 second long dead air voicemail. Sister called back in and of course they had no record of call and were unhelpful again. I called back in, they said i had to get in touch with consumer affair department and because I 'm not a customer, just an innocent third party that they are harrassing that I would have to communicate with them via mail. Finally agreed to send me over via phone so solution could be expedited, but they kept just transferring me back to customer service. Eventually male rep told me that there was nothing I could do about the phone calls.
On XXXX XXXX Equifax was hacked and my information was taken. At that time I was a enrolled in XXXX XXXX XXXX XXXX. Equifax did not inform me of the hack even though I had the XXXX XXXX XXXX! I received monthly emails from Equifax stating " We are pleased to inform You there were no critical events reported last month ''. My information being hack is a critical event! 
It was reported on the news that Equifax was offering free credit monitoring to the people hacked. I signed up for this. It is now being reported that by singing up for the free credit monitoring that I have waved my right to sue Equifax. I signed up several weeks ago and have not received a conformation that I 'm enrolled in the free credit monitoring offered by Equifax. It seems they wanted me to wave my right to sue and are now ignoring the risk to my identification and credit. 
Equifax is using every tick in the book to limit their losses. 
1st not reporting the hack in a timely manner 2nd Not reporting my information was taken while I was a member of their XXXX XXXX XXXX XXXX 3rd by baiting the public into waving Our right to sue by offering a free credit monitoring 4th Long hold times in excess of 90 minutes with either no hold music ( to make us think we have been disconnected ) or Loud static to drive us to hang up.
XXXX XXXX Tinquiry XX/XX/2018 I have contacted all three credit bureaus and disputed this also I contacted company and disputed this inquiry
Rushmore opened an escrow account for an insurance that we paid in full on XX/XX/XXXX. Called and spoke with 5 different agents who guaranteed the fraudulent escrow account will be closed and the money will be added to the principle. This has been lingering for over 5 months and each month I call they promise the same and nothing is happening they are taking more money that they are supposed to my loan and still adding the money in an illegal escrow account. Lastly XXXX from escalation team and XXXX a call center supervisor mentioned they are working on it. NO resolution same invalid promises to be fixed and they keep depositing more money from my checking to an escrow account. 
Last contact was XX/XX/XXXX at XXXX PST and nothing is resolved.
Ive made one attempt to dispute my debt, due to financial strain. I was informed that only one of my bills could be lowered and the other would stay the same and would need to be paid immediately. I was told that if I am unable to pay immediately the chance of getting my bill lowered to the same price would be unlikely. Im unfortunately still finincial unstable and paying those prices upfront isnt possible for me at this time. I would appreciate it if my bills were lowered and/or forgiven.
I applied for a secured title loan at a web site called " XXXX '', on XX/XX/2015. After submitting my information the web site stated that I qualified for a loan for {$5000.00} secured by the title to my XXXXPorsche Boxster. The loan site indicated I would receive a loan for {$5000.00} at 7 % interest rate. I was quite happy about this as my wife and I had just moved from XXXX, XXXX to XXXX, XXXX, and we were in need of funds. After I had completed all of the information online, I received a check for {$5000.00}. We signed over the title to my car and only then received our initial bill which showed a loan apr of 88 %. We were quite stunned and my wife called the lender ( Wilshire Commercial Credit ) and asked about the loan interest rate. Again, over the phone the representative stated that the loan was granted at a rate of 7 %. The representative stated that the payment of {$390.00}, almost all of it going to interest was so high because of " fees ''. All of the transaction was completed online, using " XXXX '' ' and nothing that I signed showed the exorbitant interest rate of 88 % apr. After this I researched the company, Wilshire Consumer Credit '' and found that many other consumers had been duped just as I had. In fact I learned that this company was the subject of legal action by the Bureau of Consumer Financial Protection, for similar and other deceptive loan practices. I am requesting assistance from the Bureau of Consumer Financial Protection in obtain a just resolution of this matter.This whole matter is particularly abhorrent given that while I was in the process of obtains this loan, and in subsequent discussions with company representatives, Wilshire Consumer Credit was being prosecuted in court for such abhorrent actions. Please help me obtain a satisfactory resolution in this matter because otherwiseI will certainly lose my car! To make matters worse still, when I received my XXXX bill it showed an additional charge of {$150.00} for " prepaid interest ''. Again, I had not seen anything about such charges until I received the bill! Following our inquires with Wilshire Consumer Credit, they sent us a loan document that showed the interest rate of 88 % apr, which was signed digitally using software by " XXXX ''. At no time prior to receipt of this documentation had I seen this form or signed any document, electronically or by conventional paper and pen, until the company sent this documentation after the loan process had been completed. ACCOUNT XXXX. 

Respectfully submittedXXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX
Wells Fargo Overdraft Protection from Savings account plan states that it will transfer funds to cover items when the available balance is less than the amount necessary to cover the items, however, they are executing a funds transfer and charging a fee every time the balance is lower than {$20.00} even when there are no items pending that will take the balance into a negative balance. They are charging the consumer a transfer fee just because they have a low balance and not just to cover items that will send the account into overdraft. They are fraudulently charging these fees for overdraft protection from a savings account.
I sent {$4000.00} wire transfer through my XXXX account to Coinbase on XX/XX/XXXX.  After week later, I still didnt see my wire into Coinbase account. When I sent them an email since it was impossible to get them on the phone, all I got was generic email reply saying I should have funds within 10 days. Today is XX/XX/XXXX and it has been almost two weeks and I still havent received funds in my coinbase account and they do not reply to my emails anymore. Case #  XXXX
Name : XXXX XXXX On XX/XX/XXXX I signed a big bundle of FHA mortgage documents with Compass bank including loan estimate.
The loan estimate was date
d to XX/XX/XXXX The interest rate estimate was 4.15 % Th
en, a week after I received a bundle of documents from Compass showing the interest has increased drastically to 5.75 %.
This loan estimate dated XX/XX/XXXX- only six days after the issuing of the previous estimate.
I have copies of the loan estimates and will give you upon request. I do n't believe that the federal bank has increased the rate in that week and definitely not in such a high manner, so I do n't understand why they quote me a bait interest rate and then change that on me drastically. Compass is taking advantage of my need to close soon on this property and the fact that I already invested time and money including the appraiser cost. This is a violation of the truth in lending act. . The contact number of the first loan officer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX there is a second loan officer as well. Her name is XXXX XXXX phone : XXXX I need you please to advise me / contact the bank ASAP because we are about to close on the loan. Thanks a lot, XXXX XXXX
There is an account XXXX a collection account. I 've never had an individual XXXX account. XXXX has never validated this debt. I 've never seen the original credit application. I have a XXXX account however it 's joint with my wife and its current.
I disputed this account XXXX times with the creditor NAR INC and also specifically requested for validation from the creditor to provide me validation of the account. Validation letters were sent via certified mail and via email to creditor and XXXX XXXX XXXX regarding this matter and failed to respond to me the consumer directly on a timely manner of the XXXX days validation period this must be deleted. The creditor only responded to XXXX XXXX XXXX that the account was validated. How is this possible that an account gets validated without showing any proper documentation to the consumer directly? 
My fair credit reporting act rights are being violated by the creditor NAR INC by not providing validation of the account with the consumer directly.
I subscribe to XXXX XXXX XXXX credit monitoring. I pay {$24.00} a month dating back from XX/XX/XXXX. Recently, while doing my online bill paying, I noticed that I have been getting doubled billed for same service. XXXX XXXX XXXX credit monitoring service has also been charging me {$19.00} a month dating back to XX/XX/XXXX totaling approximately {$200.00} as of XX/XX/XXXX. Experian said that account had only been acessed 2 timez, both in XXXX when opened. I have no knowledge of opening this XXXX XXXX XXXX XXXX XXXX, especially since I already subscribe to the service. 
I spoke with a supervisxor at experian ( XXXX # XXXX ) who stated they would only refund me 1 month of subscription. Obviouslly I feel this is unfair since I have no knowledge of this account, nor have I ever logged into it. It makes no sense to pay double for same service. I tfied explaining and reasoning with the Experian supervisor to no avail. 
I have since cancelled both accounts due to the treatment I recieved. Im just requesting the {$19.00} X 10 months, {$200.00}. 
Thank you XXXX XXXX
I had a student loan with XXXX XXXX that was purchased by Navient. I was late with a payment. I spoke with a representative to pay of the loan, and in the interim another representative started calling friends asking how to get a hold of me to make a payment. This was embarrassing and frustrating, especially when I had paid the loan in full. This is unacceptable business practices.
I am very very very concerned with HESSA and the XXXX arrangement with private school loan lending. I have been unfortunately misled into believing my loan was a government backed loan via its association to federal and state officers. I believe that this is grounds for a class action suit against the XXXX for its misleading of the loan buyers via its various marketing materials.
I have an open credit card account with Citibank, and have consistently communicated to them that they have the wrong phone number on my account. The phone number listed has not been active for nearly 5 years. As seen in my log-in earlier today, Citibank continues associate my account with the wrong number ; as such, I am rarely able to access my account. Attached is an image showing the associated wrong number despite the corrective actions Ive done on a consistent basis to update my information with Citibank. 

My concern is that Citibank is inaccurately reporting a XXXXdelinquincy on my account. I have had good credit for the past 10 years, but Citibank recently reported a XXXX delinquency XXXX approximately {$260.00} XXXX and never properly communicated to this balance and failed to properly communicate to me even at the XXXX delinquency. 

I tried resolving this issue with Citibank immediately once I found out about a past due balance as I thought this to be an unfair representation of my credit. Ive never had a delinquency reported payment on my credit. Immediately after finding out about this past-due balance, the same day I made sure to make a full payment to ensure that Citi was paid in full. 

On or about XXXX XXXX XXXX my Citibank representative admitted to have called the incorrect number when communicating to me about the XXXX delinquency ; this was the same day I made a payment to Citibank. I also explained to the representative that this was not fair and that I have communicated numerous times about the number indicated was wrong. Despite my explanation and efforts to remedy the reporting, Citibank communicated to me that they would not reverse the XXXX delinquency. My actual payments posted on XXXX/XXXX/XXXX which resulted in my balance with Citibank to this day to be {$0.00}. 

On or about XXXX XXXX, XXXX Citibank representative confirmed that she had updated my correct information for my mobile/home phone number. I only have one number. Interestingly, when I log online, the phone number shown and associated to my account is still wrong. 

In addition, Citibank had stopped sending me paper statements and, instead they started sending e-statements. I revisited my emails and looked to see if I had received some warning or notification, but no XXXX or XXXX delinquency messages were found. On or about XXXX XXXX, XXXX, I verbally communicated to my Citibank representative that I would like to continue receiving my paper statements. 

As a result of this miscommunication, the incident worth {$260.00} negatively impacted my credit score and reduced this by approximately 100 points. I am hoping for your consideration in remedying this XXXX delinquency reporting, which I feel to be an untrue reporting of my actual creditworthiness. I truly appreciate your time and consideration on the matter.
We fell behind on our loan. We worked the Wells Fargo and got a modification. Was good and fell behind again. This time they would not do a modification. After months of back and forth they let us do a short sell. We had a offer and they took too long to approve it and said it was too low. They came back with a number that was too high no one would look at the house and they would not lower it enough to get any offers. So we ask to do a Deed in Lieu which has been taking 6 or 7 months to do. We were told what we had to do and we have done it and they are telling us that there is a lien on the house from when it was refinanced year ago and the paper work was not taken care of correctly and that it could take months or years to straighten out. The whole time this has been going we have been different story 's and they do not responded in a timely manner. Wells fargo does not know what they are doing with in thier own office. This department does not know what that one is doing and they all say something different.
My credit report shows that I have a balance with XXXX XXXX XXXX of {$220.00} which is incorrect. This loan has been paid in full.
On XX/XX/XXXX, I made a payment for concert tickets via XXXX, so that I could take my mom to a concert. The tickets were {$200.00}. I contacted XXXX and Wells Fargo, my bank, and both declined to help.

Im out {$200.00} and my mother never made it to the concert.

Im heartbroken and feel violated by this.
Express Recovery services keeps putting new collections on my credit report that are not mine. They are my EX husbands who is now deceased. We were not together and had not been together for some time. I never signed anything these are not mine and they need to be removed.
Equifax sent a letter dated XX/XX/2018 claiming " unable to locate a credit file '' Please confirm ...
Trident Asset Management Original Creditor XXXX XXXX. XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX and I am disputing this debt because this debt is originally from XXXX established in XXXX, FL. In the state of Florida the statue of limitations has expired long ago, and this company keeps opening a new first reported date as in the letter I have enclosed this date states XX/XX/XXXX. The last time this creditor contacted me was XX/XX/XXXX which the time had expired then. I have wrote all three creditors continuously from XXXX, and the creditor still disputes even though you will see from my report XXXX  states that this does fall meets requirement of the Fair Credit Reporting Act this is a violation. Trident disputes the original date of XXXX because they know this is a violation. They continue to keep this on my report and that is why I am contacting you, they are trying to keep this on my credit now until XXXX and at that time they will just renew.
There are two mortgage accounts that are reported to the three credit reporting agencies under XXXX account number XXXX and XXXX from XX/XX/XXXX. Those two accounts where paid in full and the accounts were closed on XX/XX/XXXX. The accounts are reporting as joint accounts. However, there are late payments reported. Those two accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the three credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to XXXX, Experian and XXXX, and to this day they keep responding that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to XXXX.