WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 I responded to a letter from Wells Fargo offering XXXX a line of credit, inquiring as to what I could be approved for and at what rate ; an audio recording of that call, provided by Wells Fargo, is attached to this email as well as a transcript of relevant dialogue below. In short, I only wanted to know what rates would be available to me and made very clear that I did not agree to take on any line. After this conversation Wells Fargo began sending me information in the mail about my " new line of credit and credit card ''. I contacted them and told them I never wanted this line, that I did not agree to take on this line, and that I needed it closed as they opened it in error. After nearly XXXX months of communication with them they stated that this very call is the call where they feel I " verbally agreed '' to take on the note, they then said they would close the line noting it as " closed by customer request. '' I have told them this solution is unacceptable and they have not resolved it any further. Now it appears on my XXXX credit report that I opened and closed a line of credit, which as you know, looks bad XXXX. 

As you will hear in this call, I never agreed to take on a line of credit XXXX and want this line expunged from my record. There should be no record on my XXXX credit report that I opened and closed a line ; Wells Fargo opened a line in my XXXX name fraudulently and I want it removed and noted as fraud so as to keep my XXXX credit record clean. 

Thank you so much.
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Master Finance. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX/XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
In the beginning of   XXXX   XXXX  , I began working with   XXXX   XXXX    from Bayview Loan Servicing , LLC. I am a  XXXX , and for about 2 months I had been working with  XXXX  because   XXXX   XXXX  , a seller who has an account/mortgage with Bayview wanted to do a short sale and sell his house to his tenant. For 2 months,  XXXX  lead me on assuring me that if I submitted everything he requested and had a complete file, he would stop the house from going into an auction sale, and the short sale between my clients, the seller and buyer, would be completed. I communicated with  XXXX  almost daily over the phone, which was always recorded by Bayview, and through email.   XXXX   XXXX   XXXX   was the deadline for us to have a complete file in order to stop the auction sale. On   XXXX   XXXX   XXXX  ,  XXXX  sent me an email stating that the sale had been postponed and the house would not go on auction sale on   XXXX   XXXX   XXXX  . After   XXXX   XXXX   XXXX  , I continued to schedule appointments to speak with   XXXX   as I always did, but he would not call me, until yesterday,   XXXX   XXXX   XXXX  , he had his supervisor call me to tell me in an aggressive tone of voice that the house was sold on   XXXX   XXXX   XXXX   and that there was nothing else to be discussed between me and them. So ultimately, I 'm filing this complaint because  XXXX  and Bayview had me working for 2 months and were not truthful throughout the whole process. They took advantage of my clients and performed misrepresentation.
In XX/XX/2018, I sent a letter requesting the removal of the US BANKRUPCTY from my credit report. My rights are protected by the FCRA laws and guidelines which protects consumers such as myself from misinformation being used against them, as of now the credit bureau is not in compliance with these laws. I requested the credit bureau send copies of documentation, court order, and or my authorization of release containing signature. This was not done. I received information stating that the account was updated instead. I have contacted the courts to verify the report of validation in which the credit bureau stated that was done. This is false information. It was stated to me " we did not validate this information nor would we ever. ''
At XXXX XXXX in XXXX I took in a Certified Vehicle Certificate for a XXXX Ford Mustang GT convertible which was not granted not disposed in my favor. I was treated unfairly, harassed, insulted by Visitors, Customers and entire staff at XXXX XXXX in XXXX. I was informed by employee that nothing was in it for them, so they could n't grant my certificate.
XXXX XXXX has continued to sell an account to collection agencies after it was determined that the account was open due to identity theft. XXXX XXXX and the collection agency are appearing on my credit report for the same account. The account was deleted from my credit report and has now resurfaced.
In XXXX XXXX I had charged {$140.00} on my XXXX account as a payment of XXXX XXXX service online. My XXXX had been inactive for 5+ years before that. Hence I forgot about the bill because I was mainly using my XXXX card. I never received any billing statement from XXXX in the mail either up until I received a letter on XXXX XXXX, XXXX XXXX 6 months after my bill ) stating that I had a balance on my account. I called XXXX immediately anxious that the charge could be a fraud ( I could not remember my bill to XXXX  whatsoever after 6 months without being reminded about it previously ). The agent who was assisting me over the phone clarified to me that there was a {$140.00} charge to XXXX since XXXX XXXX. I did remember it eventually and paid my bill over the phone the same day. Wish XXXX would have sent me a notice in the mail when I was 60 days past due instead of waiting for 6 months! I would have paid my bill then and avoided the extra late payment fees. They had charged me more than {$100.00} as late payment fees which I refused to pay. I agreed to take responsibility of two months late payment fees but they refused to accomodate me. They refused to take any responsibility of not having sent me any statement or prior notice. They kept repeating that according to their records I had asigned to paprerless statement. I made several attempts to make them understand, including one of their managers that I was not using the email account that they were sending those statements to for so many years!! After all this card had been inactive before and after XXXX XXXX. They have caused me tremendous stress and frustration. After I have already paid my main bill my late fee charges have added up to {$310.00} as of XXXX XXXX. This is affecting my credit report which is not fair because I pay all my bills on time and much more than the minimum payment due. I disputed the late payments with TransUnion. TransUnion was not able to help me. Instead I received another letter from XXXX recently offering me a settlement of {$280.00} vs {$310.00}. This is a joke! I called them again. I went over the whole story again with another of their managers. I suggested to pay late fees of 2-3 months right then if they agreed. The manager refused to accomodate me once again and kept repeating the same exact things that the others were saying in XXXX like a broken record ... ... They failed to contact me the best possible way while they could which would be through mail. This whole situation could have been prevented. Instead they kept adding late payment fees towards my unpaid late fees which is causing a considerable damage to my credit report. I do n't think this is fair.
I have been writing letters to this comp any for more than two ye ars. I 've made several request for this company to investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even   though TWO YEARS has already passed.
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Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files docum  ents. Nothing at all.
In XX/XX/2016 I noticed a collection account on all XXXX of my credit reports, so I initiated a dispute knowing it was not mine. XXXX and XXXX corrected the mistake, but it was still on XXXX. I then call the collection company CBA of XXXX. I requested documentation including copy of Signature, ID 's, Social security card to show they had legal right to collect. I also requested documentation showing they had the right to collect for the company that intiated the account. I also requested proof of their license and bond to even collect in the state of GA. They put me to management and I was assured that they would email the requested documents to me as soon as possible. A couple days went by with no email so I called back and then was told they were getting this information and documents from the 1st party and would forward it to me. I have yet to receive anything proving they have right to collect and I know its imposssible for them to have anything with my signature or ID. Please remove this from my report.
I applied for a refinance loan with AmeriSave Mortgage. The appraisal came in to low which would have resulted in the need to close my HELOC. I cancelled the loan. AmeriSave has n't refunded the appraisal fee yet.
I am receiving attempts to collect from a company ( Midland Credit Management , Inc ) I am not aware. In addition, the company XXXX XXXX XXXX XXXX XXXX XXXX is listed, as the original creditor, I am unaware. I need to prove from Midland Credit Management that are attempting to collect a fraudulent debt. I need to see an original contract signed by me. I am know that I have never signed a contract with either of these companies. I have looked through my personal paperwork XXXX contracts signed from XXXX ). I have no records of a contract by me with Midland Credit Management or XXXX XXXX. Mildland Credit Management has been report erroneous information to the crediting reporting agencies of a " bad debt. '' If Mildland Credit Management has proof of debt with my signature, I want the company to produce that information. As a now, I receiving notices from a them and I have no idea who they are and what " debt '' there attempting to collect. If this attempt is legitimate, I sure the company will comply and produce the original document establishing a " debt ''. 
This is an attempt to establish if this is a valid attempt to collect because I have no knowledge of these companies and signing any contracts with them.
I am a   XXXX   XXXX    XXXX  patient currently undergoing several  XXXX  and  XXXX   XXXX . I have been off work o n disability a nd received some funds from taxes and offered to pay 40 % of this debt as I have obviously a lot of bills with  XXXX . The debt was way below this and I 'm sure this agency paid very little for the debt. They refuse to help me with my hardship. I do n't believe they should be able to continue to add fees, harass or collect on a debt of such a sick person. I am hoping you can help intervene so I can stop worrying about being sued and harassed. I wish they would accept an amicable agreement
synchrony bank previously GE Bank have several accounts under my name wen I got XXXX thi banking intitution cancel all my card protection program not to mention they close All my credit card in good standing just because I I 'm XXXX thi is a direct violation not only to CFRA BUT MY AMERICAN XXXX ACT I NEED THE CFPB TO INVESTIGATE ALL ILLEGAL PRACTICE FROM synchrony bank TO SEE HOW MANY OTHE XXXX CONSUMERS HAS GONE TRUE THE SAME VIOLATION
I have disputed this debt several times with  Portfolio Recovery Collection  and asked for verification and validation.  Portfolio Recovery  did not provide any of the requested information, however the company updated my credit report to indicate that I have an " Open '' account with them in collections. I have not ever done business with this company and have requested that the erroneous account be removed from my credit report.      Portfolio Recovery  is reporting that I have  two  open accounts in the amounts of {$1200.00} and {$2600.00} for a total of {$3800.00}.
In the early XXXX 's I had a credit card called XXXX. It went out of business long ago but I am still paying on my balance. They put up a website to take payments but they make it nearly impossible to get into it. Every single time I try to log in it gives me trouble by not taking my password. It asks to change passwords often too, and then it wo n't take the new password. Once you try three times it locks you out for three hours. Today is my deadline and I tried to get in to make my payment. It would n't take my password and then locked me out for three hours. By the time three hours is up, I will have a late charge because my payment will be late. I tried calling their XXXX number to pay by phone but there 's apparently no way to get anything but balance, etc from that number. This is ridiculous and I am tired of becoming anxious every time I try to pay this bill. Maybe they will answer you but I doubt it.
On XXXX, at XXXX, I spoke with XXXX XXXX of A Bank of America. I informed him that on XXXX my bank XXXX, which a State XXXX Check for California Workman 's Compensation in the amount of {$2100.00} was the subject of a Levy in New York. The Bank Account and local branch are in California. The Levy is {$1100.00}, drawing from the State of California Social Security Funds. In the Court of Appeal of the State of California ; XXXX XXXX XXXX XXXX ( XXXX XXXX County XXXX. XXXX No XXXX ) In Accordance with XXXX XXXX XXXX XXXX Bank XXXX. This action by Bank of America includes causes of action for intentional and negligent misrepresentation, intentional infliction of emotional distress, unlawful levy against Social Security benefit payments ( Code Civ. 704.080 ), the violation of the Consumer Legal Remedies Act ( CLRA ) ( Civ. Code, 1750 et seq. ) the Unfair Competition Law ( UCL ) ( Bus. & Prof. Code, 17200 et seq. ) and the False Advertising Act ( FAA ) ( Bus. & Prof. Code, 17500 et seq. ) The misrepresentation-based claims are based on XXXX alleged misrepresentations by the Bank : ( 1 ) that funds directly deposited California Workman 's Compensation Check would be safe, secure and instantly available to account holders ; and ( 2 ) that the Bank had the right to use XXXX benefits to cover overdrafts and insufficient ( NSF ) charges. The Bank Representative or Bank of America has refused to return any of these funds since the Levy on XXXX or provide any exemption forms to myself. Calls were made on at least XXXX prior times requesting the compliance of State and Federal Law. According to the Bank Representative XXXX this will take 5-7 working days to investigate this claim.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
Complaint for illegally disburse {$120.00} on XX/XX/2018 On XX/XX/2018 I filed a claim with Wells Fargo bank stating that I totally disagree to pay {$120.00} from my checking account before this payment posted on my account on XX/XX/2018. The claim number is # XXXX. On XX/XX/2018 after I have spoken with Wells Fargo Claims Department staff named XXXX ( refused to disclose her last name and ID number per my request ). This staff told me that claim has been closed. I told her that its totally against my will to close this claim because I never agree to pay this {$120.00} with merchant. I never had any agreement with this merchant. Actually I am absolutely enemy with this merchant - State of Maryland XXXX XXXX 's county who brought me all kinds of life damages, losses, trauma, pain, suffering in the past 8 years. I have sued numerous time lawsuit against this merchant to the U.S. District Court. During the conversation with the staff named " XXXX '', I said the reasons I am asking {$120.00} to be back due to following reasons : 1. I qualify fee waiver because currently I am receiving Federal Means Tested Public Benefits such as Medicaid etc. ( see attachment ). 2. I am extremely NOT satisfied with Merchant 's service because they filed wrongful lawsuit to damage myself and my property. 3. The merchant made mistake and error by repeatedly making false judgment. 4. XXXX XXXX and XXXX XXXX XXXX county should responsible for this {$120.00} because they are the party who caused this expense. 5.  The merchant brought me severe harm, damages, losses, trauma, pain, suffering by demolishing my home, illegally sold my property, ruin my dignity,. damage my health, steal my bank accounts, steal my personal belongings, vandalize my vehicle etc. For such type of criminal activities happened for 8 years caused by the merchant, I can not convince myself to pay this {$120.00}. 6. The merchant forced me to pay {$120.00} by stating that " if you do not pay {$120.00}, I will cancel your Appeal ''. 7. According to the federal and State law, I am qualify for the Fee Waiver because United States owe me at least {$210.00} per day plus all other damages, losses, pain, suffering the State, local agencies owed me total {$3000.00} XXXX @ 20 % interest. 8. I also told this staff that I filed a complaint against the judge who repeatedly making false judgment. I can not use my money to cover your fault. Finally I told this staff that the bank still owe me {$1500.00} promotional bonus for both my personal and business checking account which I reported in the past. See previous complaint. AT THIS TIME, I AM ASKING TOTAL {$3000.00} XXXX WITH 20 % INTEREST FOR ALL MY DAMAGES, LOSSES, TRAUMA, PAIN, SUFFERING THE STATE OF MARYLAND AND STATE OF CALIFORNIA PLUS SOME OTHER STATES BROUGHT TO MY WHOLE LIFE. SEE ATTACHMENT.
Experian reports an inquiry dated XX/XX/2016 from XXXX Bank on my credit report. I have a letter from XXXX Bank stating that they have forwarded removal of this inquiry to Experian.
Loan # XXXX XXXXSpecialized Loan Services, LLCSince XXXX 2013 I have had issues with Specialized Loan Services. I have spent over {$100.00} in USPS Certified Mail this year alone requesting information and help with my account and payment history and have not received any replies to these requests. Per the attached XXXX documents, I am requesting they remove my escrow account from my mortgage and make me responsible for paying for my flood insurance, homeowners policy and taxes. I will be responsbile to provide them proof of payment.
I am refinancing my zero balance Home Equity Line of Credit loan to another lender and am being told that I will be assessed an early termination fee of {$450.00}. The Line of credit agreement and disclosure statement reads as follows under Early Termination Fee : " The lesser of {$450.00} or 2 % of the amount prepaid if I close my account before the second anniversary of the date that my account is opened. '' The math is pretty simply that 2 % of a XXXX balance is a XXXX dollar fee.
On XX/XX/XXXX around XXXX-XXXX, I spoke with a XXXX XXXX  's ( XXXX XXXX, XXXX XXXX, CA ) sales representative who asked if I wanted to open an account. She did know specific what sort of account this was and proceeded to ask for my social security #. I gave it to her and then she asked for my income. I realized that she was then applying me to a credit card and asked if she was doing that. She said yes and so I stopped myself from giving her my income information and said to cancel this application. On XX/XX/XXXX. I was notified that there was a hard inquiry made to my credit from XXXX. This is affiliated with XXXX XXXX. I did not authorize my credit to be ran by this sales representative because I did not give my income and did not complete this credit application.