WillisBack/dataset-financial-user-claim huggingface dataset:
I am a former employee of Wells Fargo. While an employee, I had all of my accounts there per the firms requirements. I left about a year ago and moved my investment accounts, but kept my checking, XXXX accounts and mortgages with Wells Fargo. I had a PMA account which would have a fee, but due to my having all my accounts there it was waived and ATMs at other institutions were credited back. Recently Wells Fargo sold their XXXX accounts to XXXX Bank. In doing so, my account was free at Wells Fargo and now has a monthly fee of {$3.00} a month without notice or ability to modify. Additionally, Wells Fargo no longer counts the balance of my XXXX towards my total balance at Wells Fargo which subjects me to monthly fees of {$30.00} a month and I no longer get the reimbursement for using non Wells ATMs. What bothers me the most is I was not notified in advance, and I have sent XXXX messages to Wells with no response.
Ocwen Servicing Company LLC   XXXX   XXXX   XXXX   ...   XXXX   XXXX   XXXX   Florida ZIP code   XXXX   XXXX   XXXX   ... has been sending numerous bills claiming to be the servicer for our mortgage ... we have never received any notice from Ocwen we never did any business with Ocwen we have no contract with Ocwen ... they send numerous applications for a new loan ... some of the applications already have loan numbers on it ... their representatives have submitted false documents to the court ie.affadavits ... in support of   XXXX   XXXX   XXXX   companies foreclosure claims ... we have never even done business with   XXXX   XXXX   in any shape form or fashion ... on   XXXX   XXXX   XXXX   XXXX   we were told buy the   XXXX   XXXX   XXXX   that the case will be put on hold as requested by   XXXX   XXXX   pending investigation by the CFPB. Feel free to use our case in any way you like.
THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX AND THIS ACCOUNT WAS DISCHARGE UNDER MY CHAPTER XXXX BANKRUPTCY ONXX/XX/XXXX. THIS ACCOUNT IS NOT REPORTING CORRECTLY ON MY EXPERIAN CREDIT REPORT AND I HAVE DISPUTED THIS WITH EXPERIAN AND XXXX XXXX XXXX XXXX MANY TIMES. I AM NOT ASKING THEM TO REMOVE THE ACCOUNT SINCE IT PART OF MY BANKRUPTCY SINCE IT NOT DUE TO COME OFF MY CREDIT REPORT UNTILXX/XX/XXXX. THIS ACCOUNT NEEDS TO BE UPDATE CORRECTLY ON MY CREDIT REPORT. FOR EXAMPLE THE PAYMENT HISTORY GUIDE ON THIS ACCOUNT IS ALSO PART OF MY CHAPTER XXXX BANKRUPYCY AND IT NEEDS TO BE UPDATE AS PART OF MY DISCHARGE CHAPTER XXXX BANKRUPCY. THE PAYMENT HISTORY ON THIS ACCOUNT SHOULD NOT BE SHOWING ON MY EXPERIAN CREDIT REPORT. MY LATE PAYMENT AND MY CHARGE OFF ARE PART OF MY BANKRUPTCY WHICH IS INCLUDED IN MY BANKRUPTCY AND IT NEEDS TO BE UPDATED CORRECTLY. SECOND THE TERM 72 MONTH IS ALSO INCORRECTLY IT SHOULD BE SHOWING XXXX SINCE THIS ACCOUNT IS DISCHARGE AND THAT PART OFF MY CREDIT REPORT NEEDS TO BE UPDATED CORRECTLY. XXXX XXXX XXXX XXXX  AND EXPERIAN ARE NOT REPORTING THIS DISCHARGE ACCOUNT CORRECTLY ON MY EXPERIAN CREDIT REPORT
I don't know if I ever took this loan out. I haven't been getting credit for my payments. XXXX XXXX sued me in Texas, i live in New York, and garnished my wages prior to the judge giving them permission to per the court paper work i have. Now XXXX XXXX is called XXXX. I am not getting credit for the payments I'm making them. NSLDS is not being updated with the payments I'm making them and they sent me proof they are reporting the payments to nslds. I want proof this loan was taken out by me, something with my signature saying that I took this loan out and it went towards my college education. Otherwise it could be an internet crime, fraud or identity theft, etc. I have police reports on file. On my credit report it states i have not been paying the loan & its in defeat and that's not true. I've submitted disputes with all 4 credit reporting agency 's.
On XX/XX/2016 I deposited {$1600.00} from my XXXX checking account into Wells Fargo checking account. This money was to cover my mortgage payment which is automatically withdrawn by WF on the XXXX of each month. Several days before the XX/XX/XXXX I rec 'd a copy of the check back from Wells Fargo with a return reason " refer to maker ''. I quickly went to my nearest XXXX branch, where I had to withdrawal {$1600.00} in cash and deposit it into Wells Fargo or my mortgage payment would have been delinquent. I spoke to the manager at XXXX and showed him the copy of the return check. XXXX claims ( after a full investigation ) the check was never presented to them. They would have absolutely no reason not to honor the check, it was made payable to me, and it was coming out of an account with {$10000.00} in it, more than enough to cover the check. However, Wells Fargo continues to point the finger at XXXX stating that " there must have been something about the check they did n't like ''? ( WF branch manager 's words ). In light of the fact my mortgage account has been handled so poorly these past several months by Wells Fargo I fear that once again a mistake has been made on their end. I still do not know where this check is ( check no. XXXX ) nor can they tell me where the check is? It could have been an electronic error on their part but they are not taking responsibility or giving me any answers, other than blaming XXXX for not accepting it. This could have had an adverse affect against my credit standing, as I have had other problems with this bank which has potentially compromised my credit history ( previous complaints also filed with the CFPB ) never really receiving satisfactory answers. They just rehash and rehash the mechanics of the incidents, without really giving an adequate explanation as to why they take the action they take without proper and timely disclosure/notification. So here we go again .... I have very little confidence with this bank. I would like to know what happened to my check.
We have a mortgage with SunTrust mortgage. We set up an escrow account for insurance and taxes. Suntrust paid our property taxes but failed to pay our hazard insurance. we had a claim for XXXX in process so now we can not get a company to cover us, So now we can not get coverage of our choice. we are forced to accept citizens and had to pay a XXXX point inspection of {$120.00} + in 5 years we will need to get rewired and a new panel to pass inspection
Federal law requires that you provide mechanisms to make sure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX
EQUIFAX has refused to remove a debt that I have already proven does not belong to me. I have provided a copy of a written letter from XXXX XXXX XXXX verifying that they have informed EQUIFAX to remove the debt. However EQUIFAX is refusing to comply reporting fraudulent claims in my name and has been doing so since 2013. When I began to contact your office this month, EQUIFAX turned around and began to retaliate against me, ADDING accounts instead of removing the account in question. Now EQUIFAX has added an old XXXX claim in my name despite this information has been disputed before and by EQUIFAX removed. I have evidence that EQUIFAX removed the false claim from XXXX as I have never signed anything with XXXX. I do not understand why EQUIFAX believe they do not have to follow the law. It is ID Theft when you use someone else SSN fraudulently. I have received no evidence from EQUIFAX that I owe this debt, because I do NOT. According to the law, not only do they have to prove their claim they also have to notate the items are disputed which EQUIFAX has failed to do.
XXXX XXXX, XXXX, XXXX XXXX contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XXXX XXXX, XXXX, XXXX XXXX again contacted me via a letter. They stated the lease terms can not be altered for me. XXXX must administer to the terms of the contact that were agreed to at inception. XXXX XXXX, XXXX, I, XXXX XXXX XXXX contacted XXXX XXXX via a letter. This letter discussed the reasons for my hardship. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.
Credut Card forgot number as well as other complaint was rejected {$4300.00} and {$1000.00} Deposit without any reason. I sold rare merchandise and was a wire transfer from a legitimate international bank. I used same buyer many times. Wanted to know why refunds was returned? I didnt know. No answer given to me but has it yet. Buyer assured it was legitimate and nothing wrong from that bank. There was currency exchange to make up for my proceeds. Now, no money, no accounts, no credit cards, no checks. All taken after all cleared before frozen and closed accounts by XXXX  fraud department. The funds was good as other banking explained. Now nothing. XXXX  has given medical problems than I need.
Equifax failed to take adequate measures to protect my credit report information ( social security number, date of birth, addresses, and other information ) and secure it from unauthorized access. 

Due to this egregious error on their part, my personally identifiable and credit reporting information has been stolen and disseminated to the public without my consent.
Had State farm as my rental/home insurance, business, and lender on my automobile. Had a small claim on rental took over 2 years to resolve, crazy adjuster. Had hired a lawyer. Had told me check was on the way. Had held off on car payment, car repossessed. Had State Farm for 30 years. Company are crooks.
I had an checking account with Bank of America my wallet was stolen by some one close to me who knew my banking information and they attempted to deposit multiple fraudulent checks into my account at once I called the bank to report fraud on my account after they doing there investigation they found that it was actually fraud and that I did not have anything to do with and closed the account, I just wanted to open another checking account with another bank or the same bank but I can not do so I wanted learn more about why
I HAVE A XXXX XXXX ACC THAT GOT TRANSFERRED TO XXXX XXXX ON MY EXPERIAN REPORT AND IT SHOWING A DOUBLE REPORTING ON MY CREDIT REPORT WHICH IS HURTING MY SCORE I CALL EXPERIAN TO DISPUTE IT XX/XX/XXXX THEY SAID THEY WOULD DELETE IT THEY SEND ME A LETTER SAYING IT WILL BE DELETE THEN THEY SAID THEY CAN NOT ITS AND ERROR. 
They said that XXXX would have to delete it to call XXXX i call XXXX talk to XXXX and he said he would investigate it they said they could not do noting because they sold the acc to XXXX XXXX so i call experian back talk to XXXX XX/XX/XXXX dispute specialist she said i would have to get something from XXXX for them to take it off or it have to stay on my report to XX/XX/XXXX she said XXXX have the authority to do it. So i call XXXX talk to XXXX he said its experian have to delete it he said that XXXX last report on the acc was XX/XX/XXXX so i call experian back and they said its XXXX that have to do something about it and they reinvestigate it again
i disputed inquiries with XXXX to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called XXXX several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. i 'm really hope you can do this investigation to help me dispute these inquiries on my report! thanks!
I 've tried to dispute this information with the credit bureau as well as the company and was provided the same resolution which was nothing. There are XXXX medical bills on my account from SYNDICATED OFFICE SYSTEMS. XXXX of the accounts is not even mine its under my daughters name which had XXXX and it was covered. The second account is also a medical bill that was paid in full by the insurance company and they still sent it to collections. After numerous attempts to the company they refuse to delete the collection as it clearly shows paid in full with no balance. This is beyond frustrating as it is affecting my credit score and report which is hindering me from receiving future credit.
I had a loan through  XXXX    XXXX   and in the past few months I 've been hospitalized and become   XXXX   XXXX   XXXX    XXXX  and have been awarded  XXXX  benefits-although I have n't started receiving any payments yet. I fell behind on my payments but I did call the bank and try to alter my payment plan. The balance owed to them was around {$1200.00}. Without my knowledge, they sold my debt to  XXXX  collection company and  XXXX  has falsely placed a collection on my credit report for a whopping {$3200.00}.
PLEASE FORWARD TO OCWEN LOAN SERVICING LLC. 

I truly wish to resolve my mortgage issues, and my modification was rejected because at Ocwen stated that I was too far behind on payments. This is truly discriminatory and I now have an attorney representing my wishes. I deserve a modification as my son has agreed to join me on payments and he also has an excellent income.
By law the the credit reporting agecies are to removed items on credit report past 7 sevens years
I received correspondence from Rushmore mortgage dated XX/XX/XXXX in regards to a modification agreement they want me to sign, that was dated for XX/XX/XXXX.

My loan servicer changed to Rushmore XX/XX/XXXX during my modification trial period. Rushmore refused to honor the modification trial period that was completed though my old servicer XXXX XXXX XXXX they set my home for a property foreclosure sale. I recently received these modification documents dated for XX/XX/XXXX of which is out of date. I have not signed them because it will reflect I defaulted on the modification agreement of which I did not.
Hello - I just realized, after reviewing the latest escrow shortage document from  Flagstar Bank, my mortgage lender, that I 'm being charged mortgage insurance. I should not be paying mortgage insurance as my principal to house value is currently at 62 %. I 've calculated that Flagstar owes m e {$6100.00} in payments for mortgage insurance that I should not have had to make. Please see the uploaded document for the calculation.
I had a call at XXXX at work form a XXXX, XXXX and claimed i owe a payday loan and would sue me and take me to court for check fraud.Now i was frighten and stardled at first ask lots of questions about the claim.Than i read reviews online how people get scammed from debt collectors who pretend to be investigators or attourneys.I felt like i was getting scam please reply back to me if legitimate..or what further action i should take on this matter..
This company is claiming that I owe them a balance of {$450.00} as of  XXXX   XXXX  and have placed a negative collection account on my credit without my knowledge. I disputed this item recently on  XXXX   XXXX   XXXX  due to fact that they are trying to collect on a debt that is unverified and they also have a revoked license! It appears this company is doing business illegally in my state and have failed to verify the alleged collection account as well as their license status.
I enrolled with XXXX XXXX many years ago ( XXXX )? and have never received any documentation about my payments, despite asking repeatedly. I have now discovered that they were not making accelerated payments as described in their literature/contract, and I have not made headway on my mortage as expected. I have since dropped out of the program but want to ensure that I am part of the agreed upon settlement between the company and consumers.
Credit Control. LLC at XXXX calls constantly to collect a debt from someone Ido not know.
Collection agency showed up on my credit report. I don't know who the physician 's office is, but I had medical insurance at the time and I've not lived in Maryland since XX/XX/2012. I disputed it with XXXX but my dispute was denied Have a question? 
XXXX XXXX XXXX XXXX are accounts that are seriously overdue and may have been turned over to a collection agency. 
Learn More Account Name XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/2012 Balance {$380.00} Debt {$380.00} Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX
I purchased a XXXX XXXX XX/XX/XXXX and due to mechanical issues that car had to be turned back to the dealer to give me a new vehicle. It took 30 days for this to happen. Without my knowledge and being present the dealership ran my credit a second time on XX/XX/XXXX. I brought this to the dealership 's attention and they have removed their double inquiry from my credit report from XX/XX/XXXX but GM Financial has not. I did obtain a letter from the dealership regarding this issue but nothing has been done to remove this hard inquiry.
On XXXX - My debt is listed 2 times. 
I have always been covered by health insurance so this should had been paid.
This is not my debt. I have ask the collection agency to supply me with supporting documentation that support their claim on XXXX/XXXX/2017. This request was sent by certified mail. However, now I am seeing this debt on my credit file.
XXXX XXXX bought my XXXX XXXX Debt. They sent the initial letters to the wrong address and I did not get a chance to dispute prior to being placed on my credit report. 
Also this collection reports as an installment loan on at least one of the reporting agencies XXXX  as an installment loan. 

Please refer to complaint XXXX XXXX received complaint XX/XX/2018 Many other complaints such as mine were similar. 
This is not a installment loan Credit collection and not a loan. I paid monthly reporting as a loan is incorrect. I am requesting close with non-monetary relief no valid letter given to right address. This has caused much distress and hardship for me by not sending the validation letter to the right address, reporting as an installment loan to at least one of my creditors has greatly affected my score, as well as reporting monthly negatively on all credit agencies.
XXXX XXXX XXXX  credit card was sold to XXXXXXXX XXXX XXXX. XXXX XXXX XXXX sold the XXXX XXXX credit card account to Razor Capital. It  was Razor Capital who settled my account with me, comments on my account should be paid and settled account. Paid charge off.
I have contacted Transunion, XXXX, and XXXX in XXXX, and XXXX  2017 to remove in accurate information.
Under the new law effecti e XXXX  2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report
This company represents the State of NJ and are collecting a debt on their behalf. To get my NJ driver 's license, I agreed that I owed a debt and made payment arrangements. I have a representative payee that handles my social security XXXX payments. The company demanded that I give them banking information, ( a debit or credit card ) so that they could have payments taken out automatically. I gave them the card number that is in my daughter 's name. For the past 12 months this company has been sending me letters notifying me that they are taking the money out and to make sure it is available. I just received a notice from NJMVC that my driver 's license and registration privileges are suspended and that I needed to contact this company. When I spoke with them they informed me that the card had been declined. I receive no notice at all that there was a problem. I believed the monthly letter from them and had no reason to believe otherwise. They refuse to give me any information. They are rude and nasty and state that I should have known that the money was not being deducted and the only way to get my driving and registration privileges reinstated is to pay them the {$1200.00} for the back months that their request for funds were denied and to give them a card so that they can take the payments out automatically. They claim I owe in excess of {$11000.00} ( a judgment against me resulting from a car accident I had in NJ in 1999 ) NJMVC states that the judgment is for {$7000.00}. I asked for the contact information of the original debtor and they claim they do n't know it. I ask to speak to a supervisor or someone from the legal department. They take my name and phone number and never call me. I asked for a copy of all correspondence to me and they stated that 12 months of letters is to much to mail out. They have never mailed me any other documentation except the letters confirming that they were taking the money out of my custodial bank account in my daughter 's name ( she is my representative payee )
Coinbase deactivated an account just as bitcoin prices jumped. Seems like more than a coincidence. I could not buy or sell and 4 days later still ca n't buy or sell. Terrible customer support. No way to contact them directly.
XXXX XXXX suppose to cover our loan payments when my husband a Veteran was XXXX. XXXX XXXX sent us a letter with the claim # - XXXX, benefit # - XXXX. XXXX XXXX XXXX XXXX XXXX XXXX told us our loans were not covered but we had chosen coverage when we applied for security purposes in case something happens. See attached documents that was sent to us by an employee of XXXX showing we had chosen insurance coverage. Same with our loan documents where it's showing we had chosen the insurance coverage for our payments. When we brought up this issue, we inquired about the coverage, XXXX XXXX employee said my husband is not XXXX although we showed his medical condition was based upon determination from the military veterans affairs and his doctors. XXXX XXXX is liable to disclose eligibility of customers under insurance coverage and we ask XXXX XXXX to make payments accordingly to our loans that was never applied.
There is currently an account reporting on my credit report saying that I owe them, I am having a hard time getting the specifics of this account where and when. I have no idea where this account came from.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX XXXX Student Loan account .Ive Been trying to verify this account for six months from XX/XX/2017 - XX/XX/2017 and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 

I ENCLOSED A COPY FROM XXXX REPORT SUMMARY STATING THAT THE ACCOUNTS XXXX/ XXXX WAS UNVERIFIED AND WAS DELETED.
Dear Synchrony Bank Do you accurate with NCUA thru Paypal Credit history account? 

https : //www.ncua.gov/ Or how can I get credit report from NCUA for Synchrony Bank?
I purchased an item ( Steampod hair straightener ) XXXX that missing the tank, comb and main problem is the power in XXXX is XXXX volts but in XXXX is XXXX volt, so I contact the merchant XXXX to return it, after asking to get shipping quote XXXX FOR {$210.00}. 
I called USbank card services XXXX. XXXX, his telling me if purchasing item from XXXX with Visa card I am responsible for shipping, XXXX and US bank disclosed the information and should not ship the defective unit with disclosure so is US bank responsibility to pay or ask merchant to correct the problems or take it back.