WillisBack/dataset-financial-user-claim huggingface dataset:
As A Wells Fargo customer for 25 years, I was sent information for a pre-approved Wells Fargo Rewards Credit Card. So, I applied and was accepted. I wanted to take advantage of the benefits and consolidate some debt. 

I had the account for a few months, awaiting a decision on which other credit cards would be in my best interest to consolidate. I, then, received a letter from Wells Fargo stating they closed my account. I called customer service and the representative explained it was due to inactivity. I explained that I only had the account for a few months, but the decision was policy. 

I asked to speak to a supervisor and received the exact same answer, so because I have a good relationship with the bankers at my local branch, I decided to speak to them. 

I called my branch and spoke to XXXX and she was very helpful. She made an appointment with me to speak to a banker, in person, the following Monday, XXXX XXXX, 2016. 

When I arrived, we called the XXXX number, as I had done before, and the answers were still the same. So, the end result is : 1. Wells Fargo closed my account due to inactivity. When asked what the criteria or time-line was for closing an account, the representative stated their were many reasons for closing an account at anytime, but could not produce XXXX reason. 
2. By closing my account, this will affect my credit negatively, when I did nothing to warrant either my account to be closed or my credit to be affected. 
3. The representative said I could always re-apply, thus running a credit report and affecting my credit. I was already approved, Why should I have to re-apply? What gives Wells Fargo the right to negatively impact my credit, when I have been in compliance? 
4. Upon investigating my options from competitive banks, I will be withdrawing my funds immediately from Wells Fargo. After 25 years of service and commitment, I expect the same from my bank. 

The ONLY remedy I will expect from Wells Fargo is to re-activate my Wells Fargo Rewards Credit Card with a letter of apology and commitment to excellence to me and their customer base.
Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from TransUnion, XXXX, and XXXX contains multiple collection items on my credit reports from XXXX even though they are over 7 years old and actually scheduled to be removed in XX/XX/XXXX. If you noticed from the attached file the reporting dates are different and inaccurate this alleged account is from when I was in college which was over 13 years ago considering I started college in XX/XX/XXXX and graduated in XX/XX/XXXX. So considering the time frame either way the items are between 9-13 years old which is passed the 7 year mark.
I HAVE APPLIED FOR HARDSHIP ASSISTANCE DUE TO A REDUCTION OF INCOME THAT STARTED THE WHOLE HARDSHIP IN XX/XX/XXXX. I WAS DENIED BY MY SERVICER WHO ALSO HAPPENS TO BE MY INVESTOR CHASE DUE TO " CHASE SERVICES THE LOAN FOR AN INVESTOR OR GROUP OF INVESTORS WHO HAVE NOT APPROVED A MODIFICATION BASED ON THE RESULTS OF THE CALCULATIONS OF THE NPV ''. WELL THAT MAKES NO SENSE BECAUSE A HARDSHIP IS BASED ON VERBIAGE OF A SITUATION AND FACTS WHICH THE NPV IS NOT TAKING INTO CONSIDERATION AS IT IS AN CHEAPLY DESIGNED UNDERWRITING ENGINE. THEY DIDNT EVEN COMPLETE IT FULLY AS MY INCOME IS NOT ADDED IN, PRINCIPAL RESIDENCE TOTAL HOUSING EXPENSES ARE NOT ADDED AS WELL. IT LOOKS LIKE THEY PICK AND CHOSE WHAT THEY FEEL THEY NEED TO ADD TO RENDER A DECISION IN THEIR FAVOR AND I WILL NOT TOLERATE IT. CHASE WILL NOT VICTIMIZE ME AND TAKE MY FAMILY HOME BECAUSE YOU WANT MY PROPERTY. 

FACT : XXXX MY REDUCTION OF INCOME DROPPED TO {$84000.00} WHEN MY NORMAL INCOME IS ABOVE $ 150K A  YEAR. MY INCOME INCREASE TO {$170000.00} FOR XXXX WHICH IS MY NORMAL INCOME. I UNDERSTAND MY INCOME TODAY IS HIGH AND THE PROPERTY IS AFFORDABLE, HOWEVER MY INCOME IN XXXX WHEN I WAS FIRST DELINQUENT IS THE ISSUE THAT BROUGHT ME TO TODAY. I COULD NOT MAKE A MORTGAGE PAYMENT WITH THE REDUCTION AND WHEN MY INCOME INCREASE I GET DECLINE FOR MAKING TOO MUCH. MY INCOME HARDSHIP HAS BEEN CORRECTED AND NOW THAT ITS CORRECTED CHASE DOES NOT WANT TO HELP. I WILL FILE A COMPLAINT WITH MY STATE ATTORNEY GENERAL XXXX XXXX IF NEED BE, I WILL NOT LOSE MY HOME DUE TO CHASE FEELS IT UNNECESSARY TO PROVIDE HARDSHIP ASSISTANCE BECAUSE MY HARDSHIP IS NOW CURED. THIS IS RIDICULOUS!!
AAG Reverse Mortgage Company Filed everything and said that I was okay then after sending Appraiser they went thru all their steps and said they would have appraisal by Friday, two weeks went by and I finally called and was told they could n't give me the loan due to Propane tank had to be off the Premises, and that I had an Industrial shop on my Property, Yes I have a large garage which was my Husband before he passed. My biggest complaint is that all along I was given yes we are going forward and the agent knew that I had a Manufactured Home Skirted with the best Skirting you can buy and it had the plates on each corner. Tied down but I was not told it was due to Manufactured Home and to date I have not received any notification of Denial. I called today and they transferred me to my Representatives supervisor. No return call. I would like to have my Denial in writing and reason or reasons for denial.
XXXX/XXXX/XXXX, my personal financial information was retrieved remotely from Equifax 's databases, without my authorization and knowledge. I have not signed up for credit monitoring services provided by Equifax, as it may/will void my ability to follow through with arbitration.
Have received a collections letter from ERC collections with the creditor and original creditor listed as XXXX XXXX XXXX. I do not owe XXXX XXXX cable anything nor can their own support staff validate that this debt is legitimate or send any proof/documentation of its validity. This issue has already been reported to the credit bureau and my credit score has been negatively affected. This has caused me significant hardship in getting loans and now recently acquiring new car insurance.
I have my automobile loan through BBVA Compass Bank. On XX/XX/18 and again on XX/XX/18 they withdrew my husbands truck payment twice out of our account, causing it to go into a negative balance. i have called BBVA and nobody was able to send the check back right then. They keep telling us it will be 7-10 business days. NOTHING has been sent to us yet. When we call them they always give us the run around about whats going on. I want my {$600.00} back that they took and will not return. Now the truck payment is due again and we are still out the {$600.00}. They through our bank account into the negative while we were on vacation and i was not around to do anything about it. it cost me {$60.00} in overdraft fees and another {$20.00} to transfer money. I will refinance this through another company. Also i spoke with a couple of different managers who all told me something different. This business is not professional at all!
I am a victim of identity theft. I have disputed this fraudulent account multiple times with Macy 's and have received no response with validation/verification of this debt. This account does not belong to me, and is not even in my name.
Received a call from XXXX XXXX on XXXX/XXXX/2015 from Arnold Scott Harris debt collector. I was not aware of the outstanding debt for XXXX ride on XXXX/XXXX/2015 from XXXX XXXX. I never received a bill and XXXX would not give me any information regarding how I could get a copy of the bill. I searched and found the number of the XXXX XXXX XXXX and talked to XXXX. She verified that the address XXXX city ) they had on file was incorrect which explains why I never received a bill. She also said she could not send me a copy of the bill and told me there was nothing XXXX XXXX XXXX could do.
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Director - Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX. 
Washington, XXXX XXXX XXXX certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & CEO XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX certified mail # XXXX XXXX XXXX XXXX XXXX Re : CFPB XXXX XXXX, XXXX ac XXXX Dear Sirs : This is in reply to the XXXX XXXX, XXXX entirely disingenuous XXXX CFPB response. On account of XXXX persistent and pervasive fraud and resulting measurable harm XXXX XXXX is requested to immediately email reply to XXXXXXXXXXXX, with XXXX XXXX, XXXX, XXXX and XXXX email ccd that any credit report negative comment has been removed for the below reasons. 

The XXXX XXXX, XXXX XXXX response by deliberate implication denies the recorded XXXX XXXX, XXXX XXXX 6.59 minute phone call. Thus, this denied call was apparently fraudulent, initiated by an individual other than XXXX customer account supervisor XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX SIMPLE INTEREST RETAIL INSTALLMENT CONTRACT required 60 payments of {$460.00}. XXXX email ratified with confirmation # the 60th, last and final payment received XXXX XXXX, XXXX. 

The XXXX XXXX, XXXX XXXX response On XXXX/XXXX/XXXX you called to acknowledge receipt of payment history via email deceptively implied this 37th time ( Principal * Rate * Time ) email payment history request calculated and  totaled in a business-like manner its alleged due {$740.00}. XXXX perseveres in refusing calculated and totaled Principal * Rate * Time. 

A matter of record prior to its XXXX XXXX, XXXX letter XXXX, allegedly another XXXX employee ( prior calls it was XXXX ) supposedly, again maybe factiously called using phone # XXXX on XXXX XXXX, XXXX @ XXXX and XXXX XXXX, XXXX @ XXXX. In fear of my recording of all phone calls XXXX left no message. 

Part of one of my many recorded phone calls is repeatedly transcribed as of recording phone conversations XXXX cant permit thatare you recording the phone call nowno no are you recording this phone call XXXX agents prejudicially insist in recording phone calls for training and now proven other purposes. XXXX refusal to permit the borrower recording calls cunningly gives camouflage for its total deception and self-aggrandizement as communicated in its XXXX XXXX, XXXX response XXXX prides itself on providing the best possible customer service experience. 

Since XXXX XXXX, XXXX there have been 37 email requests to XXXX, many to you XXXX XXXX, for XXXX to substantiate its {$740.00} calculation. The XXXX XXXX, XXXX letter does not calculate {$740.00} using the universally accepted formula Principal * Rate * Time. {$740.00} presents as vindictive imagination intended to harm. 

XXXX XXXX please respectfully email reply to XXXXXXXXXXXX, with XXXX XXXX, XXXX, XXXX and XXXX email ccd, that you have removed any negative credit report status/comment. Thank you. 

Yours truly, XXXX XXXX
I initiated a dispute on XXXX XXXX, 2015 regarding a charge to my USAA checking debit card from XXXX for {$54.00} for wi-fi services that I did not receive. USAA requested the SAME information over and over and over and over, which I provided at least five times ( four times via telephone and once via fax ). Every time I call, I 'm told that they need THE SAME INFORMATION. I have provided everything they 've asked for at least FIVE TIMES. They refuse to do anything further. I believe that they are intentionally stalling so they do n't have to do anything. USAA service is simply horrid. What happened to this bank? They used to be decent!
Portfolio Recovery Associates is falsely reporting to the Credit Reporting Agencies as a Factoring Company, which is a violation to FCRA because they are actually debt collectors. A " factor '' is one who buys corporate receivables at a discount - not a debt buyer dealing in uncollected bad debt. 

In addition to PRA reporting to the Credit Reporting Agencies as a Factoring Company, PRA is also reporting other inaccurate information to the credit bureaus as described below. ( See attachments as proof ) I have filed disputes with all 3 credit reporting agencies, and I have attempted to contact PRA for removal to no avail. I have also filed a complaint with the XXXX XXXX XXXX without success. 

1. My XXXX  credit report is still listing Portfolio Recovery Associates as a  Factoring Data Account Type as of XX/XX/18. This is deception, as I never opened a data factoring account with PRA. Collection accounts are not data factoring accounts. 

2. Portfolio Recovery Associates is reporting as a One Month Term on my XXXX credit report from XX/XX/18. I never signed an agreement with PRA as to terms or as to when the debt collector purchased the debt.

3. The date opened is inaccurate and doesnt even match on the 3 credit reports. PRA is reporting inaccurate data on my credit reports as of XX/XX/18. 

4. The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
I got a loan from XXXX XXXX in XXXX Indiana about 6 years ago, and went to class about a Week. This put me in the hole about {$10000.00}, this seems very ridiculous. I have been struggling to stay out of default on it, I feel like i was pressured into this loan, and did not understand the terms. How can I get some help? I keep seeing on TV that someone has opened up a lawsuit against them, how do I help?
I initially disputed Account # XXXX with XXXX XXXX XXXX, XXXX via the 3 credit bureaus on XX/XX/XXXX. I received notice from the bureaus stating that the account was verified and proven to be mine yet I was never sent validation from XXXX XXXX XXXX, XXXX. I then disputed the account again and received the same response and no validation. After a 3rd attempt, I was finally sent 3 different billing statements to verify my mailing address but I had asked for validation that the debt was mine with proof of signed contract and agreement to pay the original creditor and/or PRA. All 3 statements that I was sent had different amounts from the amount that PRA was attempting to collect. This really made me feel like this was a scam. I had spoken with someone on the phone from PRA and was yelled at everytime I called. I informed the person that I had spoken with each time that this account did not belong to me. When I email this company, they advise me to call them. All of my attempts to communicate effectively with this company have been unsuccessful. PRA is violating my rights as well as the laws of the Fair Debt Collection Practices Act ( FDCPA ). These violations fall under sections [ 15 USC 1692f ] 808 ( 1 ) and [ 15 USC 1692g ] 809b for misrepresenting the amount owe and failure to validate before reporting to the credit bureaus. I sent PRA a validation letter on XX/XX/XXXX and I've received 6 letters stating that they have already responded to my dispute and will no longer investigate. This has been their response throughout this whole process and I still have not received any validation just billing statements for amounts that do not match the balance that they state is owed. One statement states there's a {$0.00} balance but {$1000.00} is due. There's three other statements with balances of {$3100.00}, {$3900.00} and {$3300.00} but Portfolio Recovery is collecting on a balance of {$4000.00}. None of this makes sense and it has not been validated and must be removed from all 3 of my credit reports immediately.
requested through XXXX XXXX that I am no longer financially responsible for a mortgage that is under my ex husbands name on XX/XX/2017. I have not been notified and XXXX XXXX   is still giving me mortgage updates and hard inquiries on my credit report.
Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account XXXX which is now Known AS XXXX should be deleted from my Experian credit report.
AFTER REVIEWING MY RECORDS I NOTICED THAT ON XX/XX/09 MY XXXX XXXX   CREDIT CARD ENDING IN # XXXX WAS CHARGED BY THE XXXX XXXX XXXX IN THE AMOUNT OF {$2800.00}. I DONT KNOW WHO THIS COMPANY IS OR HOW THEY GOT MY INFORMATION! AFTER I BROUGHT THIS MATTER TO THE CREDIT CARD COMPANYS ATTENTION THEY PRETTY MUCH BRUSHED ME OFF AND DIDNT WANT TO HELP ME! WHICH I AM SURE YOU CAN UNDERSTAND MADE ME VERY UPSET!
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX We were on a 3 month Forbearance Plan Agreement of {$1400.00} all three payments were made on time. Modification paperwork started XX/XX/XXXX and went thru XX/XX/XXXX. 
doing this time no payments were required per bank rules. We received a copy of our credit report in XXXX and found that our credit showed negative credit reporting for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX has nothing although the payment was made on time. I called and spoke to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX all of whom work in the credit department at Chase and all who refuse to help. This is a new way of keeping us slaves to Chase. The modification is intended to help us make affordable payments while going through hardship instead Chase has raised the payments higher than before. I am unable to work due to my caring for my XXXX XXXX XXXXXXXX Veteran spouse and Chase don't give a XXXX XXXX XXXX! Our payments are now at {$2200.00}. Because of the negative credit reporting from Chase we can't move forward.
Equifax refuses to delete a fully paid and released tax lien from my credit report even with a recorded release and evidence from the XXXX XXXX XXXX recorder with the same information that it has been paid and releases. This is completely inconsistent with the IRS XXXX XXXX XXXX, other reporting agency standards and they are not treating all tax liens consistently amongst all customers. Some people have them deleted and some do n't. All paid and released tax liens must be deleted from credit reports! I have XXXX dispute cases and have contacted them multiple times by letter and telephone and they continue to show this paid and released tax lien on my credit report, although they claim they are reflecting it correctly because it says it has been paid and released, yet they refuse to delete it entirely from my credit report.
ACS has been reporting late status on my credit report when said loans were in forbearance. The loans in question have been reported incorrectly for XXXX different periods. The first instance was XX/XX/XXXX through XX/XX/XXXX. The second was reported XX/XX/XXXX through XX/XX/XXXX. The third instance was XX/XX/XXXX through XX/XX/XXXX. The information changes from XXXX credit report to the other. XXXX, XXXX, XXXX all have different information. ACS has been impossible to talk to. I give them my information and they say they do n't service my loans and hang up. One lucky time i was able to get my account number. Than she realized that they do n't service my loans anymore and ended the call. It is not only frustrating that i ca n't talk to someone about my loans, it 's even worst that they can wreck someones credit with no re-course. I feel like I have no rights. If a company can keep reporting negative information they should still service and provide service to the day they no longer can reports such information.
I am writing in reference to address XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX on my credit file which does not belong to me. I contacted TransUnion explained to them I never been associated with this address in fact there is no such street in the town. The rep confirmed, she would removed the address and send me an update copy of my credit file. I received a new credit report file # XXXX and this address error is still there.
Transunionhas reported XXXX XXXX as a collection account XXXX. This account was removed from my file in XXXX and it was reporting as XXXX. It is not fair to the consumer to keep reminding them about recurring debts from a company that reports from many different companies reporting same debt. Transunion is n't takimg care of this problem. When I call a special department supervisor handles your file and you 're transferred to many different people and finally to a voice assistant. You 're told they 're busy and thet will call back. You never receive a call.
I am very upset to find a collection item on my credit report for a debt I never owed ... 
My application for a credit card could not be approved due to a " derogatory public record or collection filed. '' Knowing I have always payed my bills on time, I immediately requested a copy of my credit report, and was shocked to see an item from " Rent Recover LLC '' collecting {$130.00} on behalf of " XXXX. '' It says collection as of XXXX 2015 to XXXX 2015. My husband and I moved out of XXXX back in summer 2014, amicably, with all rent paid and unit thoroughly cleaned. We never received any further communications from XXXX XXXX. Our new apartment complex has even told us that XXXX XXXX reports our account as paid in full. So why is " Rent Recover LLC '' reporting to the credit agencies, having never tried to collect from us, and for a company who never tried to/has no reason to collect from us?! 

How do we best proceed to get this off our credit reports? 

As XXXX working people with great income, {$130.00} would be no skin off our backs ( would have easily paid if we ever received a bill from/actually owed {$130.00} to XXXX XXXX! ) But with how the credit reporting works, we 're afraid that paying the {$130.00} to collections now, just because we happened to pull our credit report, will only 'validate ' this illegitimate 'delinquency ' and keep it on our credit report for years!
Our home was destroyed by Hurricane XXXX in XXXX 2005.Due to a Flood Determination error by our bank we had no flood ins. We have litigated this item and have received partial compensation. A Grant was given to us for $ XXXX to repair home, but XXXX demanded XXXX before they would release funds to repair home. As part of our compensation, the bank signed an agreement, Right to Modify, with us that gave us the right to request a rate change once our house was repaired. XXXX was our Mortgage Holder and we did request the rate change. They never answered it but sold our loan to XXXX. We requested XXXX XXXX to modify the interest on our loan. They never answered but sold our loan to XXXX XXXX, in XXXX. We contacted them to modify the interest rate. They did acknowledge our communication, but were more interested in refinancing our loan. We submitted XXXX applications for refi but they kept losing them. Finally, we told them that we were not going to make any more payments until the lived up to the agreement signed by XXXX. We also requested to see the original docs for our loan. At that point they no longer answered our calls or letters. That was 5 years ago. We did get threats to accelerate the loan and they did place us with a foreclosure mill attorney but we did abate that with a Bankruptcy Proceeding. They still have not addressed the agreement nor will they answer any questions about original note and mortgage. I have since contracted XXXX XXXX and I believe they are hoping I XXXX  and this will all go away. What should I do?