WillisBack/dataset-financial-user-claim huggingface dataset:
I went thur a separation from my wife in XXXX of XXXX I work as a XXXX so I was layed off the summer when I returned to work I made payments but was behind and the payment I made XXXX/XXXX/XXXX was returned to me i hired a lawyer In XXXX submitted paper work they work with no gain til XXXX with no gain the XXXX closed their doors I started talking with my relationship manager # XXXX and seveal other managers as when to you call to speak with them he is busy ad you speak with someone else which is confusing as of my last appointment date XXXX XXXX everything was good then XXXX XXXX the sheriff put a notice on my door ocwen says there is no sale date and is sending e-mail conformation that no sale date is pending talk to forcloseure lawyer there is one cuz the want me to pay to bring account current so now I do n't have the money to do so and feel this system sand bagged me with lies scams ive file a complain before and that only made things worst so thanks for letting me vent cuz as far as I know XXXX XXXX is sheriffs saling my home on XXXX/XXXX/XXXX this was postponed 3 times already so im at a state of total confusion my job just is not good for them but payed 12 yrs of arm payments to them ocwen loan # XXXX XXXX XXXX XXXX division # XXXX XXXX thanks for not XXXX XXXX XXXX
Experian continues to report late payments thru XX/XX/XXXX for a XXXX credit card account that was forgiven in full with a XXXX on XX/XX/XXXX ( see attached XXXX form ). I have disputed this account twice with Experian but they have refused to correct the error. These late payments are artificially reducing my credit score and affecting my ability to obtain necessary financing.
Low country credit sold me a lemon car, I could not. Afford to repair car, transmission cost XXXX To repair, I returned car, on my credit report is reporting that I still have vehicle, every month is saying payment past due, late payment
I filed a complaint on XX/XX/2018 ( complaint number XXXX ). The number of qualifying payments were counted and the case was closed. Per review of my complaint, there should be 83 qualifying payments on loans 3 and 4 and 36 qualifying payments on loans 1 and 2.
I just received a " follow up '' call from XXXX  at XXXX XXXX employee ID number XXXX  Today stating my case has been reviewed and they determined that the " system reflects the correct number of payments and no changes are being made ''. I asked her to clarify because XXXX  id XXXX from XXXX XXXX and this complaint already said the number of qualifying payments should be 83 qualifying payments on loans 3 and 4 and 36 qualifying payments on loans 1 and 2.

XXXX  states that on XX/XX/2018, the case was reopened and that the number of qualifying payments on loan 1 and 2 were 36, loan sequence 3 has 49 qualifying payments and Loan sequence 4 has 82 qualifying payments.

I am refilling this complaint since XXXX XXXX   reopened the case and they disagree with the information the prior complaint response states. They are unable to tell me when they will be able to recount payments or give me an update.
XXXX XXXX now Key Bank has wasted my time over a yrs worth with promising to give a loan they knew I would never be approved for and allowing me to submit offers on properties and then on two occassions for an inspection. I wanted to put a bid in on a home and needed a pre qual and they took two weeks to get that to me claiming underwriting had a lot of requirements to meet before issuing a letter. The first depisit I put on a home I lost because on the day we were told by the bank that I would not get the loan because of my CREDIT SCORE, but not told to call the sellers or the money would be lost. The rewuirement for the loan was that the applucant had to have proof of rental payments for a year and on both occassions of dealing with this bank they knew I was not a renter. I have lost {$1500.00} wasted realtors time along with my family 's time. It almost seems as if this was sport rather tham serious business. I was trying to purchase a house butI was told I did not qualify for that loan but could get FHA and seller declined but for dome reason Keybank mailed out mortgage letter which stayed in the possessuon of the neighbors for 3 days and finally given to me Opened with all my personal information. Was never buying home but kept getting letters and kept calling bank to tell them to STOP. I can not get the wasted time bank but do feel as though the bank she refund monies paid out for no reason. If you have any question you can contact XXXX XXXX who had a lot of dealings with this bank on my behalf.
I have submitted dispute documentation to Experian on these specific days certified mail. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  disputed inaccurate and unverified accounts/unverified late payments on my credit file. Experian has continually stated these accounts are verified without submitting proper documentation on how these account were verified and who verified these accounts and what method did they use. 

According to the Fair Credit Reporting Act section 609 A-1 a EXPERIAN is required by federal law to verify through physical verification of the original signed consumer contract. 

ANY AND ALL ACCOUNTS THAT IS POSTED ON A CREDIT OR OTHERWISE ANYONE PAYING FOR THE REPORTING SERVICE COULD FAX MAIL EMAIL IN A FRAUDULENT ACCOUNT. 

I demanded from Experian to submit me the original signed contract with my original signature. Under the FCRA unverified accounts must be removed, if they are unable to provide me with a copy of proof. 

After calling this company several times I was refused access to specific information on my credit file after verifying that I am the consumer. I have been giving inaccurate information from my credit file between agent to agent to agent. The Agents of this company is not properly trained. The agents was very unhelpful and was not considerate of the consumer and did not put in any effort to help resolve the issue.
Unfortunately, I have to submit another complaint because there has not been any responses from Wells Fargo to me directly since I filled the initial complaint. In my last complaint WF stated that they provided me with a partial response and that they 'd need 60 days to investigate. They have not provided me any additional information regarding my case. XXXX XXXX XXXX contacted in response to my initial complaint and said she 'd follow up and call me back. I have not heard from her since. I have tried to contact her numerous times, but without success. It appears WF is intent on letting the property go into foreclosure sale next week and yet give the impression they are working with me and need 60days to invstigate. It ca n't be both ; either one way or the other. I believe this is a violation of my rights as a homeowner who is facing foreclosure. This is on the CFPB website regarding protections for homeowners that are experiencing problems and possibly facing foreclosure. WF has violated each of these areas : Strong Protections for Struggling BorrowersRestricted Dual-TrackingNotification of Foreclosure AlternativesDirect and Ongoing Access to Servicing PersonnelFair Review Process : No Foreclosure Sale Until All Other Alternatives ConsideredWIll someone take up our case?
I responded to a brochure describing a checking account that once opened would give you a {$200.00} bonus once you initiated direct deposit of social security benefits if received within 60 days after opening. I opened one XX/XX/XXXX and that same day redirected my soc sec direct deposit from XXXX XXXX to this bank BBVA Compass. However it will not occur until XX/XX/XXXX missing the 60 day cutoff due to soc sec inability to do things fast enough. 
I tried to get an answer from BBVA about whether I could still get the bonus considering these circumstances but they will not commit to it.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Transunion, XXXX, XXXX  XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. Cable Bill? XXXX XXXX XXXX   Account # XXXX 2.Phone Bill? XXXX XXXX XXXX Account # XXXX 3.Medical Data XXXX XXXX XXXX XXXX , Account # XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX Social Security Number
XXXX - This is where I beg the difference, you certainly are in the wrong : Under the rules of the FDCPA, a debt collector such as yourself ( Diversified Consultants, Inc ) identified as a DEBT COLLECTOR are required by Federal Law if you are attempting to collect a debt to provide details about a debt by sending a written notice with the following information. 

Name of the creditor Amount allegedly owed Instruction on how to repay the alleged debt *Just for your future collection practices, since you think you did nothing wrong. This is called the validation notice and must be sent to the consumer within five days of initial contact. 

So let me suggest you remove this immediately from my credit report since you practices seem to be unknowingly UNETHICAL!!! 

Regards, XXXX XXXX
I was not enrolled in XXXX XXXX XXXX ( XXXX XXXX XXXX - only reporting to XXXX and Transunion ) at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XX/XX/XXXX ( responded in XX/XX/XXXX ), XX/XX/XXXX ( responded in XX/XX/XXXX ) and XX/XX/XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XX/XX/XXXX. The amount is {$1300.00}. I have included the original XX/XX/XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all 3 bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all 3 credit bureaus and they refuse to remove.
My current mortgagor, Wells Fargo, sent an offer to refinance my loan to a lower interest rate. I went through the entire process, submitting all forms and documents. The title is only in my name and I am the only person on the loan. I was informed that since I was divorced over 7 years ago and my decree stated I had to make a payment to my ex-husband that the title company wanted a notarized letter from my ex-husband, stating I paid him the {$5000.00}. I informed Wells Fargo that the decree also showed he had to pay {$2500.00} in my attorney 's fees along with child support and as of XX/XX/2016, he owed over {$21000.00} in child support arrears. I provided a screenshot from the XXXX to further support my contention that I could not owe him the money, but he would demand forgiveness of the arrearage to provide the letter they wanted. I also noted that 7 years is outside of the statute of limitations and since no judgment is recorded against me, I can not owe this money. Wells Fargo then claimed my ex-husband was on the title and would have to deny my loan. Since this time, I have filed a complaint with the Maryland Attorney General. Wells Fargo subsequently claimed there was an error in claiming my husband was on the title and offered me the " opportunity '' to apply to another loan program. They wasted months of my time, not to mention money since my payments should have been reduced as of XX/XX/2016 Merely telling me to reapply to see if I can qualify for another refinance is not sufficient given they blatantly denied my loan under false pretenses. By suppressing our ability to refinance, they ensure the cost to live in certain communities is higher and our real estate wealth is less which creates longer-term economic disparity ( payments are higher although our equity is less ). What, if anything, can you do to help or do you just gather this information to XXXX day, hopefully, file yet another nationwide complaint against Wells Fargo for unscrupulous and fraudulent practices?
On XXXX XX/XX/2018, I was issued a loan from XXXX, XXXX d/b/a Sky Trail Cash for {$700.00}. To date, I have paid {$350.00}. XXXX, XXXX d/b/a Sky Trail Cash expects an additional six payments of {$170.00}. If I make the eight payments, I will pay {$1400.00} for a {$700.00} loan. Per  South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On a {$700.00} loan, the fees collected should be {$100.00}. If I pay a total of {$1400.00}, I will repay the {$700.00} PLUS {$720.00} in interest. I will pay MORE in interest than the loan. I will pay {$620.00} more than allowed by South Carolina law. 
XXXX, XXXX d/b/a Sky Trail Cash is a predatory payday loan lender hiding behind Tribal laws. Payments are due on paydays. The interest being charged according to documents is 584.90 %!!!!! 584.90 %!!!!! This coupled with the payments due on paydays classifies XXXX, XXXX d/b/a Sky Trail Cash as a PREDATORY payday loan lender. 
XXXX, XXXX d/b/a Sky Trail Cash preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. 
I will repay the {$700.00} loan. To date, my balance due on that is {$340.00}. I will pay that {$340.00} plus the {$100.00} in allowed fees for a total of {$440.00}. I will NOT, however, pay {$170.00} per payday. I will settle this matter with the payment schedule outlined below : XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$48.00} All payments as outlined above will be made by check mailed to XXXX, XXXX d/b/a Sky Trail Cash. 
Companies like XXXX, XXXX d/b/a Sky Trail Cash which prey on individuals under hardship conditions must be stopped or, at the very least, strictly regulated. These companies cause spirals of financial hardships for individuals ALREADY facing financial hardship. 
I will continue to file complaints until a FAIR settlement is reach. My paying 584.90 % in interest is hardly fair!!!!
I have contacted Equifax on several occasions to inform them that several accounts does n't belong to me thatsreporting on my credit report and to remove these accounts and all negative remarks from my Equifax credit report, but they have refused to do so. I disputed these items via online and mail with Equifax and they refused to remove several accounts from my credit report.
Citibank removed from our account, without our authorization {$5100.00} on XX/XX/XXXX. This created a negative balance in our account and has left us without money for food, gas, presents for our children for XXXX ... This has created an enormous hardship on my wife and I and has resulted in immense XXXX causing my wife to become XXXX. This situation was created when Costco switched from XXXX XXXX to Citibank as their major credit card holder. We were over our limit with XXXX XXXX and XXXX XXXX allowed us to make payments on the current balance. Citibank, however requested that we pay the entire amount immediately when the change took place. I called Citibank and requested payments which we set up on the phone at that time. Since then I have routinely made payments on the Citibank account, however Citibank continues to attempt and some months succeed in removing the entire amount which is what occurred on XX/XX/2016. I had just made a payment on XX/XX/2016 of {$500.00} toward the balance on the account. Thanks to a couple good friends we were able to buy food this week but we have accrued enormous over draft charges and other fees due to Citibank 's theft of our account. We have been forced to acquire the services of an attorney in an attempt to remedy this matter given that Citibank has been less than cooperative in returning the money as they have in the past.
The title company that handled a refinancing on my property was Fidelity. The Deed of Trust has a recording issue because it was forged and is void. A claim was filed against the title insurance by someone. Fidelity is being evasive by surpressing information. I trying to shed light on the situation by getting a copy of the claim. Fidelity is only turning over the policy initiation documents from XXXX and not the claim documentation from XXXX. What are your suggestions? What government agency governs Title Companies? 


Sent from XXXX Mail for XXXX -- -- Begin Forwarded Message -- -- From : XXXXXXXXXXXX : XX/XX/XXXX, XXXXTo : XXXX XXXXSubject : RE : subpoenaMorning XXXX XXXX, I sympathize with your request but, we have sent you everything that we have on this matter ( see enclosed ). We may not have handled the claim aspect you are interested in. Reserving us will be a waste of effort and we may send you the exact same material. I see other vendors involved on this matter. I suggest that you check with the banks, or XXXX Escrow Company on this matter. Perhaps if you go through the docs, see who else was involved, and serve them. 
Best of luck, XXXX XXXX
Dear sir or madam, I am a victim of identity theft, The information listed below which appears on my credit report does not relate to any transactions that I have made, it is a result of idenity theft, idenity items from from idenity theft should be blocked. Please block this information from my credit report pursuant to section 605B of the fair credit report act and send all information to all furnishes of this information, a copy of my police report is included, Police report # XXXX
On XXXX XXXX, 2017, I signed in to my Great Lakes account to make a payment for the month of XXXX. Because it was after XXXX XXXX, my account had fallen " past due. '' I made a payment for the full amount owed for that month ( which was just under {$500.00} ) and my account still remained " past due. '' It did not have any information supporting that a payment was made and was being processed. Instead, it said " please make a payment for your past due account. '' I decided to wait until the following day to see if my account status changed. The next day, the website still said " your account is past due, please make a payment. '' I checked with my bank and no charge was initiated or pending, so I believed the first payment had not gone through. The website should have stated " payment processing, '' or " payment received, '' or anything to indicate that, while the account may still be in a past due status, a payment for XXXX was no longer owed as this one was being processed. Instead, it was misleading and asking for an XXXX payment. As such, I made a second payment of almost {$500.00} for XXXX, only to realize days later that both payments went through. Great Lakes stated that I would need to wait a week for the payment to fully process and then could request a refund, which would take about 45 days. I believe their website is intentionally set up that way to mislead people into making additional payments when they are not necessary. I feel cheated out of an additional {$500.00} that I had not budgeted for this month. Great Lakes made no acknowledgment of the unreliableness of their website and I do not believe they will make any changes to make their payment collection more simple and less misleading for those who are trying to pay back their loans. I logged back in today, two days later, and my account still says I owe a payment for XXXX.
Hi, I received a letter in the mail with a check from Wells Fargo, that relates to the ADMINISTRATIVE PROCEEDING File No. XXXX. I am not satisfied with this settlement as Wells Fargo damaged my credit score, charged me Incorrect late fees, and incorrectly calculated my loan payments. All of this created suffering for me and my family. Why is this money not being charged on interest that they stole from me? Why am I not getting payments for damages caused to my credit report that could have affected me getting another line of credit or lower interest rates? Please let me know who I can contact about filing a lawsuit for this. Why was Wells Fargo let off so easy?
The original debt is from the y ear  XX/XX/XXXX , yet my credit report states the debt is from  XX/XX/XXXX . This debt has been illegally re-aged. Additionally, it appears that there other inaccuracies on this debt as well. T he company is THE  CBE GROUP INC
Navient has made numerous phone calls to my place of employment. I have asked them on XXXX occasions to remove my employer 's number from their records and to not contact me there as it will jeopardize my employment. I also informed them of my rights under the Fair Credit reporting act and they initially, each time, agreed to remove the work number. I AGAIN received a call today at work. This continued harassment is jeopardizing my employment and I would like it to stop.
XXXX XXXX in XXXX Michigan ran a credit inquiry on me without my permission. I noticed it on my credit report and contacted them. They were of NO assistance in the matter. I already have an open dialogue/dispute ongoing with the company about a fraudulent account they allowed to be opened in my name in XXXX of XXXX. The bill for that fraudulent account went into collections and still remains on my credit report.
I have a duplicate charge from a XXXX for {$25.00} on XXXX/XXXX/16 and have tried to get it resolved with BMO Harris and the XXXX. Neither one is helping me and I do n't know how to get my money back!
Collector contacted me to voluntarily surrender a vehicle that original lender " charged off ''. She would not identify the company she worked for but threatened to file an " order of execution '' to have police pick up the vehicle. When asked to send paper work to me to submit to my attorney she screamed at me and said there was no paper work. Just tell her where to pick up the car. She also left several voicemails on my cell phone threating the same. I saved the last voicemail. The person also called my employer and spoke to my supervisor informing him of the debt and the police coming to my office to pick up the car. My supervisor sent me an email detailing the phone conversation. I had my attorney call her and she told him the same thing. He searched court databases for XXXX Counties and found no documents filed against me. He told the person not to contact me at work nor my employer again, and to notify me in writing of any legal proceedings including documentation and not to call me any more or come to my home without proper identification and paperwork. The person would not identify where she worked to the attorney either and was very abrasive as she was with me. The attorney told me to contact the FTC as the person was calling from a cell phone, would not identify who she worked for or a work address, nor provide any written documentation of legal actions, which was a clear indication of a scam and that she violated laws.
I have disputed the XXXX XXXX accounts on my report multiple times. XXXX XXXX have not sent me a contract showing my interest rate nor my signature. According to the 609 ( a ) Credit if something cant be verify it must come off my credit. They will send me a summary of a account but they dont have no original documentation. I will be reporting them to the the Arizona attorney general in 2 weeks if this is not of my Credit report.