WillisBack/dataset-financial-user-claim huggingface dataset:
I relocated to Tennessee this year and started construction on a new home which was and is my first home. After applying for FHA loans through a few lenders I decided to accept a mortgage with Highlands Mortgage. I was in constant communication with their staff via e-mail and phone. E-mail was the primary. Throughout the process we discussed rates and expectations. We settled on a closing date of Friday, XXXX XXXX and i requested that the final closing be given to me at least 3 business days before close as per the CFPB website. I was given various draft closing disclosures prior to the close that were inaccurate and was told not to worry as they were not final. The lender advised me constantly that these were preliminary and not final. I requested the final closing disclosure numerous times in writing before Friday, XXXX XXXX. On Thursday, XXXX XXXX I had extensive e-mail communications with the lender where i demanded the final figures and was told that they were still working on it. I had a real estate attorney prepared to review the disclosure to make sure that all was in order. The lender sent me the final closing disclosure at XXXX XXXX on Thursday, XXXX XXXX when the closing was at XXXX XXXX the next day. I had less than 12 hours with no sleep from packing to review and could not get them to a professional to review. My apartment was packed and I had to proceed after using the tools on the CFPB website to make sure that all was in order which it was not as after the close the lender and the closing agent called and e-mailed me to amend the documents a few weeks after the close. When i advised them that I needed time to review then changes they were proposing they threatened to pull back the loan on the house if I did not move quickly to execute the updated closing documents. I have all these communications and exchanges in writing since i would not take phone calls anymore due to the threats. Lastly my wife signed documents with me at the close although i 'm the only XXXX on the note. She was supposed to be quick claimed to the deed so that we are both on the deed. I have called the town twice to get a copy of the deed and I am the only XXXX on the deed. i have followed up with the lender and closing agent in writing three times and they will not respond nor take action to correct the deed as agreed upon
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease.
XXXX XXXX has been reporting to the equifax credit agency under the given account # XXXX for a " credit card '' in the amount of XXXX, the information provided prompted me to inquire directly with the company, and their response to me is that they acquired XXXX XXXX in 2003, and as of 2003, credit information related to XXXX ceased being reported to credit reporting agencies by the bank and that it appears that someone is false reporting this debt under the XXXX entity 's name
They have not removed chapter XXXX/XXXX Bankruptcy from my credit report Equifax/XXXX
This is my Fourth attempt to receive from you the requested original signed agreement of a disputed 8-year old account [ XXXX XXXX ],  letter dated XX/XX/2018. It is my understanding that I have a right to see the original signed documents of this accountnot statements, letters from the creditor or any other document that is not the signed agreement between me and the creditor ; only that document can prove fraud or ownership. 
In addition, I have repeatedly asked for this information to be mailed to my correct address as stated above. I have yet to receive any of what I have asked for, in previous communications I have proven my New York address of nearly 20 years. 
Based on several credit-pulls across all the bureaus, at least two creditorsit appears XXXX is oneis updating their accounts to mirror present day profiles in an effort to legitimize their claims, the second creditor has already been removed. The type of credit cards that are said to be mine are cards that earn frequent flyer miles and/or cash back. The very first card like those I applied for, received, and owned is my XXXX XXXX card 2-years ago. Any creditor claiming that I owned any such card more than two years ago and is NOT XXXX ; is creating and/or updating accounts to reflect my very recent credit profile. Creditors engaged in this type of behavior convey the fact that they did not meet the legal requirements for verification. 
As this is my fourth attempt I will be submitting another grievance to the Bureau of Consumer Financial Protection/ FTC-FCRA, to lay the groundwork for later legal actionif necessary. All I want is the original signed agreementthe signature, handwriting, and information entered can easily prove fraud or ownership. 
My next step will have to be to seek legal representation on this matter. Please attain the requested documents or remove this account and send an updated copy of my credit report and all responses to my request to the above addressthe only accurate address, thank you.
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

The last negative item due to the identity theft is for an apartment complex lease I did not authorize, know about, or execute myself. I disputed this directly with the apartment complex and forwarded their management a copy of the police report. They asked me to also send a copy to this debt collector, which I have now done through the official CFPB portal.
I called to cancel and transfer my CD during the " grace period ''. After several go arounds with 3 different reps and an extended hold time with the last rep. I was told the money was placed in to my checking account and would show in 2 business days. This never occurred, I called back over a week later because the money was not in my account. I was told I was past my grace period and would need to go in to a branch or write in to have my account closed and cancelled. I was told there was no record of my call whatsoever and that Wells Fargo, does n't keep or complete account notes on accounts so there would be no way to see notes. I mentioned I was going to file a complaint and close all of my Wells Fargo accounts over the coming months. What a terrible customer experience and waste of time.
XX/XX/2018 chase card reported unrecognized hard inquiry on my XXXX credit report, which its not my
I purchased a bedroom set from XXXX which I finaced that same day XXXX also bought and paid for with my debit card in the amount of {$110.00} a second box spring from XXXX. I received my furniture however the boxspring was damaged so the took the one they were going to deliver and brought the other XXXX later. I paid XXXX $ leaving a balance of {$590.00}. I received my second paper statement reflecting an increase in {$100.00}. I called the bank and spoke XXXX XXXX who said she didnt know why but shows was additional purchase made XXXX. I never went back to this store or any furniture store. XXXX said she couldnt help with the details and referred me back to XXXX. I called XXXX and spoke XXXX XXXX people XXXX they also show I finaced {$1500.00} and paid for the other purchase I was also provided physically a second itemized bill they told me to call the bank again which I did and was told I made second purchase XX/XX/XXXX for {$99.00} I asked to speak with a XXXX because I clearly am getting the run around from syncrony so the man said he would dispute this for me if i like, of course I request the dispute and a month passed I have now received another itemized bill and was told I signed it it is my signature. I called XXXX in finance whom will nit return my calls.
Corelogic Credc o indicated " serious delinquency '' on report provided to my potential home loan lender. I do not have any delinquency.   I tried calling the phone number on the letter provided but was on hold for extended period of time on   X/XX/2017    . I The website provides a link to submit online dispute, however the link page does not contain anyway to submit an online dispute. The consumer assistance page also does not have a link to submit an online dispute and provides only a phone number and mail address to mail the disputes. In addition, there are no fax numbers to expedite a dispute given the lack of online dispute option.  <P/> It is clear that the company is not focused on assisting consumers in resolving incorrect information being used by lenders among other businesses.
A hard inquirer to credit company by Citibank on me XXXX XXXX with out my knowledge and my permission. This hard inquirer lowed my total credit score.
Placed a stop payment on a merchant. The stop payment did not stop the transaction and I understand it is not guaranteed. I then requested to dispute because it was unauthorized, the representative refused. The representative continue to communicate that it is not guaranteed.
Since XXXX XXXX I found out that my SSN and my wife 's SSN were part of the Equifax data breach via their web site https : //www.equifaxsecurity2017.com/am-i-impacted/ I have been trying to follow the instructions on their web site to place a freeze and to enroll in their identity theft service. However I have not been able to successfully place the freeze, enroll or other wise access their identity theft service. I have tried almost daily to verify that a freeze is on the accounts but I either get a server busy error or a message saying that they will send a verification email that never comes.
I have been trying for the last several months to get Navient to address my account. 
I have offered the best i can afford. They have accepted twice and each time have failed to instate the program. They are now charging me late fees. They will not comply with their agreements.
I received a response from a prior complaint. However, it is not adequate.  AES  has offered options for repayment that are n't feasible. For instance, the  XXXX   XXXX  has a monthly payment of {$560.00} per month. The only option they have made available would lower the monthly payment to {$480.00} per month for a short period, then increase the plan back to {$560.00}. This is not a helpful solution, especially in the short term. Moreover, they have already offered this several times when I 've asked for assistance ; each time, I 've told them how this reduction was not going to be of any help. The  XXXX  loan is more reasonable -- I have submitted the application for a Long Term Loan Modification, and if that is approved, that 's a fantastic option and I would have no further issues with those loans. But I can not continue to pay {$1000.00} a month in private student loans -- this literally leaves zero room for error. I can not afford health insurance, I can not save for a rainy day -- I have  zero  extra income for ordinary or unanticipated expenses that  may  arise. Since I 'm current on the payments, they wo n't work with me. It seems absurd to be punished for making payments on time, and to only be eligible to work out a different arrangement if I stop making payments and destroy my credit -- as well as that of my cosigner.
I notified the credit reporting agencies that a particular credit card account with XXXX XXXX was not mine. The other reporting agencies deleted the account from my report except Experian. They continue to keep the account in my report despite my repeated requests for them to delete it. I never opened, signed for, or used that credit card account. It is not my account. I want it removed. XXXX advised me to request that the account be removed from my credit reports since it is not my account.
XXXX from XXXX XXXX XXXX has repeatedly called my cellphone, my job, and even called me at a restaurant while I was having dinner with friends. He has called multiple times, up to 4 times, in a single day. So much that, the receptionist where I work has blocked his number. She stated to me that he had started getting rude to her.
This has been going on a while with Wells Fargo. We were in two modification plans with Wells Fargo. On the first one had a great home preservation specialist, XXXX XXXX, she worked closely with us and understood would be making the payments by the end of each month of the plan. She was in contact in the event of any problems. The problem occurred on the last payment of the first plan. Our bank account got hacked and we had that payment bounce. We called XXXX right away and she spoke with her manager and then told us that could put us on another modification but would be dealing with another representative. We got set up on that modification. We got word of the new rep by the name of XXXX XXXX. She was of little to no help. Sent an email that was explaining that payments would need to be made weekly but would be there by the end of each month of the payment plan. She did not bother to acknowledge this email. Another more direct tone was taken and she responded saying that was still okay and she understood. In two other complaints, submitted paid receipts showing that all payments were in fact made. XXXX took what she told us was a payment needed before could get the final paperwork sent out that was for {$20.00}. We paid that and it cleared our account. Then we kept waiting for the paperwork and never got it. Received and email from XXXX XXXX, stating modification was denied. Additional paperwork would be sent to explain. XX/XX/18 received the paperwork but it made no sense to us. We had all ready showed Wells Fargo all the paid receipts. They supposedly received out CFPB complaints but due to work schedules can not speak with them. keep leaving messages for one another. A XXXX from the home office says they are reviewing. They have been reviewing the first one for over the allotted time given by CFBP. Asked for an extension and still have not been able to discuss due to work schedule conflicts with them and us. Sent a second complaint and now received in the mail letter from collection agency acting like we are giving up. The intention is to keep the home but feel like Wells Fargo is not the least bit interested in helping us do this. Continuing the process without even trying to make contact with us via phone or email is just not professional. We also received a check from Wells Fargo stating could not put to our mortgage in the amount of {$88.00}. We never made any payment of this amount to Wells Fargo. the only amount we paid was over the phone on XX/XX/XXXX for the {$20.00}. XXXX should have not taken the payment if there was any problem. She should have been in contact with us and helped to straighten things out.
My computer was hacked and the people that did it took information from it and used it to withdraw {$750.00} from my son 's savings account in Wells Fargo, of which I am a joint owner, in a wire transfer to XXXX, which was in no way authorized by myself or my son. This happened on XX/XX/XXXX. I called Wells Fargo to report the fraudulent transaction and they opened a case, reference number XXXX, which I obtained with a representative called XXXX on XX/XX/XXXX. After this communication, and seeing that the funds were not replaced as requested by me, I called again on XX/XX/XXXX, and this time I spoke to a representative named XXXX XXXX, who provided me with a claim number for my claim, which is XXXX. This representative, however, indicated me that the amount in question could not be returned to the account due to the institution that received the fraudulent wire transfer did not have the funds to restore the money, and that I had no protection by the FDIC in this case to obtain a restitution of the {$750.00} plus the {$30.00} fee for the fraudulent transfer, even after I provided XXXX with all the information needed ( phone numbers, names and codes ) that were illegitimately obtained to access the account and retrieve the money unlawfully. Finally, I called Wells Fargo again and I spoke with a representative named XXXX on XX/XX/XXXX, which gave me a case number ( XXXX ) to use to refer to my claim, and stated that it was under review and that I would be contacted once the investigation had taken its course. I called Wells Fargo once more on XX/XX/XXXX and spoke with a representative named XXXX who assured me that she would follow up with the case and see if there was something that can be done to restore the funds to my son 's account.
I have never had or agreed to an acct ending XXXX showing on my credit report. All balances were paid to them on another account and this is in error. Unless they can show paperwork where I agreed to this then they need to remove the {$150.00} immediately. I have documentation if needed
I had bought a laptop from XXXX using my chase credit card mileage explorer. The laptop was defective and i contacted dell to return it. It was returned ot them via return courier. 
I did not receive any refund from XXXX. Therefore I contacted Chase to file a dispute with XXXX to get my money back but they did not dispute with the merchant
I am a victim of identity theft. Someone stole my personal information and identity to apply for numerous XXXX credit card account. The XXXX credit card accounts are fraudulent and unauthorized. I have never applied for a XXXX credit card account. The following XXXX credit card accounts ending in : XXXX, XXXX, XXXX and XXXX are fraudulent and unauthorized, and do n't belong to me
I was trying to get XXXX Loan Forgiveness. It took submitting 3 times and blessing them out to get straight answers. I finally got that done. Now I have been trying to get information on federal forgiveness programs and consolidation and keep getting the runaround. The servicer is Navient. I can never get a straight answer. Also, they have tried to force me to take extensions. They actually implemented it once without permission. I am so done with this company. Thank you for your help. <P/>Sincerely Frustrsted
I spoke with an account rep who was not a manager on XX/XX/18 at XXXX. I explained to him that I felt that I wasn't being treated properly because my credit line was reduced coincidentally on the same day that I filed a dispute on one of the charges on my account. I have filed two disputes over the last year with this company and both times they automatically declined my dispute without further investigation. I find it appalling the way they treat people, especially customers who have an excellent payment history with them. My credit line was reduced from $ XXXX to $ XXXX. When I asked the rep to review my account and give me my credit line back he proceeded to ask me a ton of questions and then stated that he would not be able to give me my credit line back. I then asked to speak with a supervisor and spoke with XXXX, agent ID # XXXX  who proceeded to tell me there was nothing he could do to help me at this time. I was also sent a letter stating that my line was reduced because my credit score dropped to XXXX. Once I confronted them about the letter they than tried to cover their tracks by saying that it was because I had incurred more debt since I obtained their BUSINESS credit card. Are they kidding me? My debt fluctuates do to my growing business. At times I carry debt and at other times I carry no debt. If their excuse was valid than other credit card companies would have done the same. It is a bogus excuse and will not be tolerated or ignored.
TD Bank stacks transactions to their own advantage. Especially when an ACH withdrawal comes in the same day as a direct deposit - they will always charge a {$35.00} fee to pay whatever came in to be paid - even though the funds were available the same day the bill came in to be paid. When XXXX used my acct as a backup source for funding - it overdrew my account - a {$7.00} XXXX charge incurred a {$35.00} fee. Then the {$140.00} in fees from TD Bank cause my acct to be overdrawn which overdrew ANOTHER couple of small transactions ( like {$5.00} and {$16.00} all under {$20.00} transactions which incur a {$35.00} fee each ) - I literally paid more in bank fees in XXXX already than for any of my own purchases. There should be some kind of regulation that an NSF fee can not exceed the amount of the transaction.
On XX/XX/XXXX I was at XXXX XXXX of XXXX trying to purchase a new vehicle when I was told I had a {$25000.00} car loan from Wells Fargo under my name that was opened in XX/XX/XXXX and was behind on payments. I knew for a fact this wasn't me, because the only credit that should be reporting under my name is my lease Through XXXX XXXX and a secured credit card through XXXX XXXX XXXX, who is my actual bank. On XX/XX/XXXX I called Wells Fargo credit fraud department to report fraud/identity theft from this car loan. I would first like to add that they made it very difficult for me, transferring me to multiple different representatives to the point where I hung up and called back just so I could speak with someone who would actually help me. When I got on the line with someone who could actually help, I spoke with a gentleman named named XXXX who then transferred me to a lady named XXXX who is part of the customer care team. I learned that the person who potentially stole my identity went by the name of " XXXX XXXX ''. XXXX then transferred me to someone supposedly working in their " executive office '' who went by the name of XXXX. XXXX helped me out and made a case out of it and gave me a case number which is Case # XXXX and the agent that was assigned to my case went by the name of " XXXX XXXX '' XXXX gave me XXXX 's phone number with her direct extension so I could contact her. I tried reaching out to XXXX the very next day, XX/XX/XXXX, and left a voicemail and still to this day have never talked to anyone from Wells Fargo named XXXX XXXX. On XX/XX/XXXX, I received a call from Wells Fargo Auto Loans and I was informed that the reason why this {$25000.00} car loan was showing up on my credit score was simply because of what she said was a " ty-po '' and " human error ''. To me this is incredibly careless and in a way disrespectful that someone would not literally take the time to confirm, review, and confirm again that this is actually the right social security number. This is completely unacceptable to me and the 30-60 day window that they told me would take for this to be off my credit report really isn't an option at this point. I feel like Wells Fargo handled this situation very poorly for someone who is not even a customer with their bank and I feel like further action should be taken against them. Late payments on a car loan significantly destroys your credit which is happening on a daily basis every day that this is on my credit history.
They keep reporting me late for XXXX of 2016. Account is paid in full and closed. I was never late. This lowered my score and I'm unable to get employment because I have poor credit. 
They need to provide me with proof for that year and month that was late supposedly and they need to remove lateness so I can get a job.
I am being charged for a membership of {$27.00} to monitor my credit score. 
However, I am not able to use their app in order to sign into the account. 
Also when I sign in on the web it provides nothing of the service that I am currently being charged for. It only displays my credit score. 

When I attempt to cancel the account, on the web I am being directed to call a number. 
When I call the number the automated system does not direct me to a live person and it also tells me that there is no account on record for me. 

I have tried emailing customer support and have received no such response. 

Website : https : //experian.XXXX