WillisBack/dataset-financial-user-claim huggingface dataset:
It has been 6 month since I contacted Wells Fargo Bank to resolve their unfair credit reporting in XX/XX/XXXX on an account which should had been closed since XX/XX/XXXX. I has been stressful holiday season for my family since I am not able to get a loan to buy a home due to stamen placed on my credit report by Wells Fargo bank. For the last 6 month Welles Fargo bank has been going around in a circle not answering my questions and asking for more time to investigate. Each agent I am getting over the phone giving me different answer. Here is the complaints. 

1- I had a home located at XXXX XXXX XXXX XXXX XXXX CA XXXX. The mortgage on the home was with XXXX. I had sold the home on XXXX. ( attached is document of sale ) 2- Wells Fargo Bank reported me to the credit bureau on XX/XX/XXXX that the home located at XXXX XXXX XXXX XXXX started on foreclosure which was not completed and claims that the home was still under my name in XX/XX/XXXX despite off providing Wells Fargo bank with all document that I had sold the home in XX/XX/XXXX and I had nothing to do with the home in XX/XX/XXXX. 
3- Wells Fargo back mailed me a letter indicating that the Mortgage was paid off in XX/XX/XXXX and the home line of credit balance at the time of sale was XXXX. Still Wells Fargo Bank refusing to correct false report to Credit Bureau. 
4- My questions to Wells Fargo Bank are : a ) How I can be reported as the owner of a home in XX/XX/XXXX with all clear evidence that I sold the home in XX/XX/XXXX? 
b ) How I can be reported as " foreclosure started but not completed '' for a home I did not own c ) Wells Fargo aware that the title company cleared this issue with them on behalf of the home current owner in XX/XX/XXXX not on my behalf. 
d ) There is no way I can be reported to credit bureau for a foreclosure for a property I did not own at the time of foreclosure. If there is any law indicate that I can be reported for foreclosure for a property I did not own I want to see this law. 

What Wells Fargo Bank is doing with me is unethical and unfair. It has been stressful 6 month trying to resolve this issues.
My home is currently for sale and under contract scheduled to close in the next two weeks. My current mortgage company has XXXX in escrow for real estate taxes. I first requested that escrow be canceled and they send me the funds so that I could use them to establish escrow on the new home I am purchasing. They denied my request. I then requested that they subtract escrow off my payoff statement and I never received a response. I explained that I would be contacting the CFPB if we could not reach a mutually acceptable agreement. We originally purchased our current home in XXXX XXXX well before escrow rules changes under Frank Dodd. I couple of years back I requested to cancel the escrow of homeowners and they did that without a problem. This mortgage company is holding my escrow funds hostage and refuses to send the money to us. They said we should receive the funds 15 days after the loan is paid off. How are consumers supposed to set up new escrow? I believe this causes consumer harm. 

I have have been a customer of PHH Mortgage since XX/XX/XXXX with XXXX separate loans. We have never been late. Not ONCE. As a matter of fact, if you check our payment history we generally pay over the amount due and pay 5 to 10 days early.
On Thursday, XX/XX/XXXX, I called and asked my account representative and the account supervisor to withdraw money from my account. I asked to withdraw {$8000.00} and to leave my annuity in place. I was told to speak with XXXX XXXX, Supervisor. He told me that Morgan Stanley did not want to do business with me. I asked him to send the money to the name and address on record and it was not sent. Two days later, I called XXXX XXXX to ask to pick up the check from a local location and I was told that the account was de-linked and that I had to wait. When I asked her how long she could not tell me. As of today, XX/XX/2017, I have not heard from Morgan Stanley and do not know when I will receive my money.
I have filed three requests with Trans Union requesting that they remove incorrect information from my credit profile. They refuse to do so.
I attended a private college, and in order to do so, look out nearly {$100000.00} in student loans, {$78000.00} of which are private loans through Sallie Mae. 

For the first year of payments, I was on the graduated repayment plan, so XXXX of the XXXX loans I have through them had significantly lower payments for the first year. Now, that plan is expiring in XXXX. 

For the first year, I also rotated a few in and out of forbearance in order to get my footing in the professional world and adjust to paying loans and living expenses. For the past year, I have been paying Sallie Mae about {$400.00} a month, and have never been late or missed a payment. 

Now, beginning in XXXX, I am expected to pay {$850.00} a month, which is half of my income in one month. I own a home and car, and have other living expenses as well. Sallie Mae literally does not care and will not listen to anything I have to say about what I am able to pay in a month, which is about {$500.00}. 

I even called their payments department and they said they are completely and utterly unwilling to work with me on a payment plan unless I just stop making payments -- and they were rude about it. I have never had a late payment or missing one in the year I have been making payments. I find it absolutely appalling that the only way they will work out a payment plan is if someone simply stops paying on an account. 

I find this entire situation absolutely ridiculous since I am doing everything in my power to pay them what I can and there is XXXX care, compassion or advice on their end.
First of all, I went through this process THREE times with XXXX XXXX XXXX HELOC which I received a letter entitled, " Your Investigation Results '' which states that XXXX  XXXX Loans is " deleted '' from credit report I thought they understood that meant it was not me who spent the {$9000.00} line of credit and beyond a preponderance of the evidence, it was their senior representative - XXXX. 
In the previous Complaints to the CFPB, there Office of the Chair was just answering my complaints as if tea ever read them!? In the complaint, I wrote that I was told, years ago, by XXXX that it was costly to transfer money to pay my HELOC and at the time, I trusted banks! XX/XX/2016, I entered the bank seeing XXXX, the teller closest to the entrance. I saw on his computer screen my account opened and a larger amount deposited into an account I thought XXXX closed and money buy the hundreds was being transferred into my checking account # XXXX!!! I did not know at the time to take a picture and where is their fraud department as I had an account there for over 25 years and if I wanted the money ( check from XXXX XXXX ), I would have deposited it into said account!!! 
The Office of the chair in my last complaint told me it does not cost anything to make transfers ( I KNOW ) and Informed me that I should go to XXXX XXXX ( which I DID & sat in that office ( prior to the chair 's office recommendation! ) as I have my XXXX! Although it would be illegal to take advantage of a mentally challenged individual. I never made a claim for water and sewage back up which is what the heck is written on the check I never deposited into closed, I thought, account!!!!! 
I just got a bill AGAIN saying I owe {$100.00} by their Equity Department manager in the Collections Equity3?!?! By the way, the branch at the location I banked CLOSED!!! I wonder why ...!?!?! 
I never took any money from that account but was paying it! 
Once, I went to the bank because I never in entire time banking at XXXX XXXX received any statements for that account not knowing that there are billion dollar lawsuits for a bank to have an account open in their name and that person, in this case ME, not knowing about it! or never receiving statements!!!! in my last complaint, XXXX hello department I infer thought it funny to send me all the paper work at once so the pile was 3 inches high or more!!!!! Little too late I think!!!!! I was unaware of activity as I never made activity!!! I asked for XXXX and he 'actiing ' like he was having serious conversation with the HELOC department ( way before this incident in XX/XX/2016 ) but when I asked what was said he told me that he could not discuss it and being naive, I accepted that as an answer ( don't ask me why?! ). 
I do not owe any money to XXXX 's and why did I get a removed from credit report and still get a bill????? 
I DO NOT OWE IT WAS A RESULT OF IDENTITY THEFT!
A loan was created illegally thru NFCU, I was put off for months said would take loan off my accounts as of XX/XX/XXXX, never was, changed amounts added loan after date it was to be removed, added money into my checking account from a closed account in XX/XX/XXXX, more stories and accusations from them, I ca n't handle it anymore. I 'm tired of all the shady business and rude crude unattractive CSRs and from the XXXX XXXX and XXXX I can Handle. These attachments tell the whole story with their own paperwork I have enclosed.
Under the FCRA I request that LexisNexis immediately notify XXXX of the folllowing : That the bankruptcy Item XXXX is deleted from my file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
I had student loans that defaulted. The loans were bought and transferred by several companies before they were rehabilitated. The original lender was XXXXBank XXXX. The loan was bought/transferred to the XXXX and then rehabilitated via XXXX. I disputed the information several times to Experian and they come back with it being validated even though I have provided information stating that the loans have been rehabilitated and derogatory information regarding the loans would be deleted. I have disputed the loan creditors ( XXXXBank XXXX ) with XXXX and the result was letters received stating that the information would be deleted from my credit report file. XXXX and XXXX have removed the information but Experian has not. Further, I was recently denied a mortgage because this information is listed as a serious delinquency on my XXXX Report. I want this information removed immediately. I have also disputed a line of credit from XXXX that I paid in full back in 2013 and a CFPB complaint with the company and it 's collector agreed to delete the information. Again Experian has not. This information needs to be removed immediately.
Transunion XXXX XXXX XXXX  XXXX XXXX, PA XX/XX/XXXX I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX that is being reported on my credit report with incorrect/missing info. The accounts are listed below : XXXX XXXX ACCT and XXXX XXXX Transunion Acct XXXX XXXX ACCT and XXXX XXXX Transunion Acct More specifically, I am referencing the fact that you are reporting an incorrect high balance, not applying my payments correctly, reporting old debt as new, an incorrect account number, an undated late pay, a missing field of [ 81 month account payment history ], the wrong account type, an incorrect credit limit, a late pay after account was closed, an inaccurate date of last activity, an inaccurate date of last update, an inaccurate reporting date ]. There is insufficient information about my mortgage accounts that are affecting my score. I have disputed this error over 6 times with Transunion and XXXX XXXX. Your improper procedures are highly damaging to my credit score, causing additional stress and preventing me from receiving the best home mortgage rates and credit cards. Please immediately update my 81 month account payment history on both XXXX XXXX Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the NR on my 81 month payment history to reflect Pays As Agrees from XX/XX/XXXX to present on both XXXX XXXX Accounts. Attachments : XXXX XXXX payment history from XX/XX/XXXX- XX/XX/XXXX. The first mortgage account. This account is closed and never late payment from XX/XX/XXXX- XX/XX/XXXX. Attachments : XXXX XXXX payment history from XX/XX/XXXX- to present. The refinanced account. This account is open and never late payment from XX/XX/XXXX- to present. 

Your credit is based on your credit history and length of accounts that are paid as agreed on monthly basis. My 81 month mortgage account on both accounts does not reflect my excellent payment history from XX/XX/XXXX- XX/XX/XXXX first mortgage account in which this account is closed and XX/XX/XXXX-XX/XX/XXXX refinanced mortgage is currently open and never late. 
I am making my payments on time, however I do not have any credit history on both accounts from XX/XX/XXXX- present that reflects the excellent payment history. I also have insufficient information about my mortgage accounts that is damaging my credit history.
XX/XX/XXXX, I sent XXXX XXXX a certified letter to cease and desist illegal credit inquiries on my credit report. I have never signed an application with this creditor. 
I have tried numerous times to email and leave voice message to stop with out any response. On XX/XX/XXXX I sent a certified letter to Experian to remove all 7 of these credit inquiries and they refused to remove the inquiries. After XXXX received my request there are 2 more inquiries. This is a violation of the Fair Credit Reporting Act, Section1681b ( c ) This unprofessional company has the nerve to have XXXX XXXX contact me after I requested that my name be removed from their database.
This is a fake credit company. I have done research on this company, but they somehow managed to get into my credit report and illegal XXXX with my credit report, beinging my fico score down. Stating that i owe them money. Bogus if you ask me.
When i moved to XXXX then back to XXXX, Capital One put a restriction on my credit card for possible fraud. I was late on a payment because I had a small XXXX XXXX, but resumed working again and wanted to bring my balance current. I have been trying to prove my identity to them for the last month. I have called them XXXX times to date. Thier hold times are up to four hours, while I get transferred from one department to another. I was unable to answer one security question due to it being an address I had over 25 years ago. I was tiold to take my ID to my banker. I did, she was on hold over 45 min and finally could wait no longer. I called again, got disconnected twice, was finally given a supervisor. She directed me to fax my ID. I did, and i received a confirmation number. I was told 24 to 48 hours to remolve hold. Five days later I am told it was not received and they need XXXX forms of ID. I refuse to send my birth certificat and social. After an hour and a half on hold, Im sent to a supervisor, who wants me to fax my ID again. Very fustrated, and late charges accruing because I can not make payment. HELP!!!
On XXXX XXXX, XXXX at XXXX PST I called Universal Recovery Corp to inquire on debt I found on my credit. A gentlemen answered the phone and I ask for the current balance. For account # XXXX he stated I owe {$66.00} and for account # XXXX he stated I owe {$83.00}. I asked him how come the balance is different on my report, it says I owe {$56.00} and {$55.00}. The collection company representative said " the discrepancy is because we have n't re-reported to the credit bureaus, XXXX XXXX was the last time we reported on the stonewood account, and XXXX XXXX on the clearside account '' I asked him if that meant his establishment does not report current and accurate information to the credit bureau and he stated " yes ''. 

This is fraud! If they are n't reporting current and accurate information on my credit what else are they falsifying. My best-friend owns a collection agency and they report to the CB twice a month to make sure everything is accurate and current. What if I was making payments, or anyone for that matter, this company does n't report payments being made? This is terrible business practices and they should be audited to ensure they are n't committing any crimes or falsifying anything major!!!
XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to XXXX which are fraudaulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
This credit reporting agency is still reporting I have a balance for XXXX XXXX. I paid the account off in full.
We have a loan with Bank of America and have been working since XXXX XX/XX/2014 to get the loan modified to an amount that is affordable. We have faxed income info, paperwork, made phone calls and no one returns the phone calls, we just get a notice that the loan modification request has been denied. They are not very personable and at this time we are in the midst of possibly losing the home, there are XXXX kids in the house and XXXX of them has a XXXX XXXX XXXX and is in need of the school system. The interest rate is way too high.
Contacted North State Acceptance XXXX on XX/XX/XXXX @ XXXX. I spoke with XXXX XXXX in the XXXX North Carolina office in regards to a vehicle that does not belong to me appearing on my credit report. She stated that she have no account based on me providing my social security number along with my first and last name and address. She asked for my social security number and I provided my social XXXX she stated she had nothing that matched my social security number. She advised me to contact XXXX XXXX from the Recovery department telephone XXXX, I contacted XXXX XXXX at XXXX XXXX, per XXXX XXXX there is no information based on the social security Address or name provided.. XXXX XXXX advised me to reach out to the credit bureaus which have been done on several attempts but this still remains on my credit report. This account does not belong to me and I would like for this acct to be Deleted immediately. This has damaged my financial state. Please delete Not my account. Delete from all bureaus.
1. Bank of America closed a residential mortgage loan based upon the forgery of my signature on the Security Deed associated with the subject residential mortgage loan. datedXXXX XXXX, 2007. 
2. Bank of America closed a residential loan as mentioned in paragraph XXXX, based upon fixing of my name where signature of my name printed below the space that was prepared for my signature, on the Promissory Note also dated XXXX XXXX, 2007. 
3. I was not aware of a closing nor present for a closing, nor did I grant anyone Power of Attorney in association with above transactions. 
4. I received a notice of my alleged indebtedness, therefore I requested from Bank of America a copy of their file to support the alleged indebtedness that I was told that I signed. I was sent a copy of the Promissory Note which is attached hereto.
This complaint is regarding the charge on XX/XX/18 from XXXX XXXX XXXX XXXX for {$330.00}. I disputed a portion of this charge as my reservation was for a total of {$160.00} as I booked under a qualified rate which was verified upon check in by two XXXX XXXX employees. I authorized the charges for {$160.00}. However, after my departure the hotel chose to charge me based off a different rate. After speaking with the merchant they decided to change my rate after my stay requesting I allow the hotel to make a copy of my government ID which is a federal crime. The hotel made no mention of this rate change until after I had already left the hotel which is a violation of the Visa Interchange agreement, invalidating this charge. 

Chase however only seemed to reply to my dispute with a letter requesting more information. Information which had already been provided. I'm attaching all original documents provided. Chase failed to resolve this dispute in accordance with the visa dispute and interchange agreements. I've also requested that all related documents in Chase 's investigation of this charge be sent to me for review on 2018-XXXX in writing. My previous requests while speaking with Chase dispute resolution analysts were all denied by Chase.
Navient has taken auto debated from my account for two months after payoff of my Federal Direct student loans. The first withdraw was after full payment, the second withdrawal was after auto withdraw enrollment had ended. Navient also adjusted a balance onto the account at the time of the second withdrawal XXXX XXXX documents signed and returned. Checks for {$120000.00} sent to Navient XXXX Navient posted the received amount with resulting {$89.00} credit ( Date of zero balance ) All loans posted correctly. 
XXXX Navient initiated auto withdrawal of {$1900.00} from Savings Acc. ( Should have not been withdrawn ) After calling in, the rep. stated that the payment would be reversed and that the money should be going back to the savings acct. Agent of Navient suggested contacting bank. 
XXXX XXXX, payment reversal of XXXX posted to account. 
XXXX XXXX bank stated there was no indication of payment reversal. Explained the situation to the bank, Funds refunded. Stop Hold placed on account. 
XXXX Navient posted new balance of XXXX, backdated to XXXX, no capitalized interest as of XXXX, but now earning interest. 
XXXX Navient initiated auto withdrawl of XXXX from Savings account without permission and without being enrolled in auto withdrawal. 
Navient claimed the XXXX withdrawal was blocked, my bank claims the money has already transferred to Navient. 
I 'm asking that Navient send a payment in full letter dated for XXXX/XXXX/2016 per payoff date. I 'm asking for XXXX payed per overpayment. In addition, I demand quick response and return of the funds amounting to XXXX taken without permission or authorization.
I am a  XXXX   year old s ingle mother of  XXXX  trying to repay my {$72000.00} student loan since  XXXX . Over the years I received deferrments and have been on the income based plan, which made my payments affordable. My payments were $ 1 XXXX /month on the  Income-Based Plan.  In  XXXX  I receive d a Parent Plus Loan for my daughter 's college in the amount of {$18000.00}. When my daughter grad uated, in  XXXX , it was time to repay th e Plus Loan at $  XXXX /month. I spoke to various representatives trying to find the best way possible to afford these payments. They suggested I  consolidate the  XXXX  loans and have only 1 monthly payment and my payments would probably be close to the same under th e Income-Based Plan. I applied, it processed, and then I received a monthly statement for {$670.00}. When I was finally able to reach someone, they informed me that you ca n't have an Income-Based Plan with a Plus Loan and it was too late to change the loan. I spoke with a manager, who offered no other options. As a single moth er with  XXXX  kids still at home, I ca n't make this payment without selling my home. To make matters worse, the stress and anxiety related to my financial situation has caused me physical problems. I ended up in the hospital and I am now on medical leave with no pay. I do n't know what to do. Every time I call it seems no one knows whats going on and it is very disorganized. Any help would be appreciated. Thank you.