WillisBack/dataset-financial-user-claim huggingface dataset:
I previously held multiple accounts with Wells Fargo for many years. The account in question was a secured credit card from XX/XX/XXXX up until XX/XX/XXXX. I would frequent the local branch to keep in constant contact and discuss the best ways to use the card to improve credit. The last conversation I had was when I advised I was no longer employed with my ( now previous ) employer, and I needed to close the account. She advised I just let it sit and it would close on its own and show up as a paid but closed account. I have looked over my consumer credit report, and see a span of time where I was reported late for ( 3 ) consecutive months which had a HUGE negative impact and cost me a lot of money on future accounts in interest as well as lowering my credit rating. I listened to the representative, and am now suffering the repercussions. After doing some research, it has come to my attention that this very well could have been a plot the whole time. The lawsuit proves they do not act in good faith, and have yet to show good record keeping or doing their due diligence as required. This is the second time an oversight has put thousands of consumer 's personal information at risk. I have since closed my previous account, and am about to close my last ones including my business account. As much as I thought they were an upstanding company, they have since proven me wrong. That is a mistake I will not make again. " Fool me once shame on you. Fool me twice, shame on me. ''
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by Credit Acceptance marked XX/XX/XXXX on my XXXX  report. I tried to contact Credit Acceptance directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to Credit Acceptance XX/XX/XXXX via certified mail. It has been well over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.gov/XXXX
received repeat calls from a rude / hostile guy regarding XXXX XXXX XXXX. He continued to call after being asked not to contact me because I do not have a contract with Hunter Warfield.
On XXXX XXXX, XXXX, I initiated a lease with XXXX XXXX XXXX for a XXXX XXXX XXXX. As part of the acquistion process I paid the XXXX sales tax for the portion of the purchase price I would be capitalizing. 

In XXXX of XXXX I relocated to XXXX XXXX. In conjunction with registering the car in XXXX I had to request a change in the title to reflect the new address. When XXXX processed the change, they began to collect a 10 % use fee in XXXX. The fee is appropriately collected for leases of vehicles delivered to XXXX  residents for the first time, but is waived for individuals who have paid sales tax in another jurisdiction. To repeat, the only change to the title in XXXX was to reflect our new address, in XXXX. HFA has taken this 10 % each month with my automatic payment, which no has my account in a past due status. 

I have spoken with both the XXXX XXXX and the XXXX XXXX. of Taxation and Fianance and clearly this tax does n't apply when tax was paid in another jurisdiction. I have provided HFA with the following information from the District : XXXX Sales and Use Tax Monthly Return Booklet Imposition of use tax A use tax is imposed on the use, storage, or consumption of taxable tangible personal property and services in the XXXX, unless the purchaser has paid a sales tax on the purchase of the taxable tangible personal property or service to the District, or another tax jurisdiction in the United States ( US ) or to a US territory. A retailer that did not resell goods purchased under a resale certificate is liable for use tax for those goods used as complimentary gifts. For additional information see XXXX XXXX XXXX et seq. 

From the same booklet, XXXX is citing the following : Imposition of sales tax A person engaging in business in the XXXX must collect sales tax from the purchaser on : 1. Sales of tangible personal property delivered to a customer in the XXXX ; 2. Services listed in XXXX  Official Code 47-2001 ( n ) ( 1 ) ; 3. Renting or leasing tangible personal property used in the XXXX ; 4.  Charges for rooms, lodging or accommodations located in the XXXX that are furnished to transients ; 5.  Admissions to certain public events in the XXXX ; and 6. Charges for parking, storing or keeping motor vehicles or trailers in the XXXX. 

The disconnect : I was n't a purchaser : I already had possession of the vehicle and had paid tax on it. 

Account status : Past Due : {$470.00} Total Fees Due : {$23.00} Total Amount Due : {$490.00}
At least twice I've requested that XXXX allocate excess payments to one specific loan and it has refused to do so.
I started my process of buying a mobile home in XXXX XXXX XXXX XXXX   onXX/XX/2018 they asked for a few things to be paid off to be approved. On XX/XX/2018 they finally approved my application. On XX/XX/2018 they sent me another notice they needed more to close the sale. On XX/XX/2018 they sent me a denial email after approving me and their reasoning was they didn't know how much the lot rent would be and it took me over my debt to income ratio. They had all that information sent in when I applied for the home. On XX/XX/2018 they sent me another notice they need more information to close. On XX/XX/2018 they sent me another email requesting more information needed to close. At this point the park moved me in as a renter believing the sale should be closed in a couple days. On XX/XX/2018 they sent me another email requesting more information I already sent in to them on several occasions including homeowners insurance I found that was cheaper. On XX/XX/2018 they sent me another email requesting more information. On XX/XX/XXXX they finally sent my closing documents resulting in me having to pay an additional XXXX ( including lot rent ) to the XXXX I already put down on the mobile home early XXXX. I had to take out a loan to pay it since I had already paid them the XXXX. Then early this month my homeowner insurance agent emailed me asking about the payment for the insurance they have yet to receive. I had to call around trying to find it when I spoke with 21st mortgage they sounded like the understood what I was looking for but then called me back and said they didn't understand what I was asking. When they sent my documents over to XXXX who bought my mortgage they sent their homeowners insurance so they would be paid instead of the correct one. The whole experience was horrible and drained me of all my savings. They knew what they needed in the beginning but drew it out two months longer then it should. I had to cancel my insurance with them and I am still waiting on the refund to pay the correct agent but no one knows where the refund is or when I will receive it. My agent has already paid the correct insurance but the refund needs to pay her back.
On XX/XX/XXXX the following accounts were taking off my credit report XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX On XX/XX/XXXX all the items were put back on credit report.

In accordance with the requirements of the FCRA s

e ction 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I received no such notification. This is very serious violation of the FCRA. These
items need to be removed off of my credit reports immediately.
I reported a credit item that i can't identify on my credit report XX/XX/2018 which is a violation of the FCRA 30 days law with Trans Union in regards to file number XXXX reported by a collection agency in the name of XXXX and have not got a response as of today XX/XX/2018 i request a contact of this item or for it to be removed. 

Thank you, for your prompt response.
I attended XXXX XXXX in XXXX, N.J. ( XXXX XXXX , XXXX ) in 2012. I was talked into taking out a Genesis to attend the XXXX-owned school. I was promised an education in XXXX that would get me a good job in the market.They used illegal tactics to induced me into taking out a private loan with Genesis to continue my education at the school. Their was threats and pressure to pay before the course was completed. What do I need to do to get my money returned from Genesis. The total cost for the course was {$17000.00}.
I was suddenly divorced in XXXX and quickly found I was unable to afford my home and pay the mortgage from Wells Fargo. I immediately put my house on the market in XXXX of XXXX in preparation. Seeing that there were no offers, I approached Wells Fargo about a deed in lieu of foreclosure as i did not wish to keep the property as i could not afford it on my own. I got a real estate agent and applied for the short sale process ( required for 120 days before deed in lieu per Wells Fargo ) in XXXX XXXX at which time i also moved to a more affordable living situation. I supplied the necessary documentation and worked through my real estate agent to move the process forward. I received no communication until XXXX XXXX that my property had in fact not been approved or any decision made regarding the short sale process. I had already dropped the sale price on my home to reflect a short sale. Apparently, they had lost my case in the shuffle or so they say. I had to reapply for the whole process and resubmit my documentation all over again. After a lot fo back and forth the short sale did n't get approved until XXXX XXXX. The property was listed for short sale for the required 120 days after which i asked for a deed in lieu. I heard nothing until XXXX XXXX stating that my file was moved along to the deed in lieu department. It is now XXXX XXXX and i was informed that they have removed me from the process entirely. Collection calls have resumed and i have tried repeatedly to get answers as to why they have denied me. I was told that I was denied because the property was not being maintained. This is false because it 's still on the market and being shown and in move in condition. They had erroneously sent someone out to change the locks, mow the lawn, and winterize the property without my knowledge. Now they are using it as an excuse to deny my deed in lieu. 

I feel like im being strung along as im trying, in good faith, to reach a mutually beneficial agreement with the bank. I 've been shuffled around to so many people at Wells Fargo that Ive lost count. Every time i think im making forward progress, my case gets moved to someone else and things go backwards. They refuse to communicate anything to me or my real estate agent unless its a collection call. I had even filed a complaint with the FHA back in XXXX XXXX, but the caseworker i was assigned to barely listened to my story, did nothing to find a resolution or help me, and quickly closed my case. There have been no offers on the property in 2 years and the price has been significantly lowered to entice a short sale which is much less then what i owe for the mortgage. Even selling it on my own wont be enough. Up until the divorce I had always paid my bills on time and was financially solid. This situation is unfortunate, stressful and something i never imagined id have to do. I 'm trying to rebuild my life and reach some sort of agreement on my property but Wells Fargo has stonewalled me every step along the way. At this point, I really do n't know where else to turn or what to do. I sincerely hope by reaching out to the CFPB that i can get some answers and hopefully a resolution.
I get about 6 phone calls per day with them saying my name and that a lawsuit is going to be filed, they have called realtives and places of employment. I do n't even know what this is, however they have listed it several times on my credit reports and it needs to be resolved immediately. They are reporting XXXX debts XXXX from XXXX and XXXX from XXXX, I have no idea what these are ... please help. The last time I had any debt issues was well over 15 years ago
Due to the fact that I a not a U.S citizen, I did not understand that when resolving issues, like these i had to go to all credit agencies, and because of this lack of knowledge I only contacted XXXX to have the problem resolved. XXXX XXXX XXXX recently bought an outstanding {$1000.00} XXXX debt in my name dated XX/XX/XXXX. However I had contacted XXXX about this issue ; listed under 'XXXX XXXX XXXX ( ERC ), and had it removed from their records back in XX/XX/XXXX ( XX/XX/XXXX ) when i showed proof that the social security they had on file that was connected to the debt was n't my social security. Then issue still exists under my XXXX and my XXXX files and I 'd like it removed from these scores also.
I placed a dispute with the Experian regarding an XXXX/XXXX XXXXXXXX showing as not paid in full. Experian refuses to update and validate this information. This account has been paid in full as of XXXX XXXX, XXXX
I have been trying for over 6 months to make payments to NAVIENT for a student loan. They continually claim that the payments are n't going through. I 've been told it 's the bank 's fault, wrong type of account ( savings or checking ), etc ... During this time they are racking up interest and threatening to ding my credit. The bank I use has assured me they have not even tried to access a payment according to their records -- which means they are scamming me for interest. I have a list of attempts that prove my case from them in writing. My account has over plenty of funds to easily make the payments -- someone needs to shut them down!
Borrowed {$1400.00} in XXXX XXXX. Paid XXXX payments of {$110.00} = {$1100.00} ) Per online, balance is currently {$1400.00} as of XXXX XXXX ( Over {$1200.00} in interest ). However unsure of TRUE balance since last payment made in XXXX XXXX. 

Was unable to keep up with payments due to XXXX income ( was unemployed for 10 months- catching up on past debts and medical bills ). Several attempts were made to set up payment agreements with NETCREDIT via XXXX XXXX XXXX in XXXX XXXX, but Net Credit did n't agree. My intent was to pay this loan and to work out some agreement because I could n't afford the {$110.00} per pay check. NET CREDIT not only did n't accept the pay agreement, but they updated my credit reports to reflect 180 days late as of XXXX XXXX, which is detrimental to my score. 

I am willing to pay the balance owed of {$1400.00} if NETCREDIT agrees to update my credit score as paid, NEVER late or REMOVE the item ALL together from my all XXXX of my credit reports. 

I was NOT aware the interest on {$1400.00} would be {$1200.00} ( almost the amount of the loan ). I would have NEVER agreed to this loan. I am a veteran and XXXX civilian on a tight budget. This interest charged on the loan is hideous. I could have borrowed that amount from a local bank/lender and not have that much in interest. This is a horrible way to take advantage of those that are in need!
On XX/XX/XXXX my wife & I opened a checking account at Bank of America. At that time we told the rep that we did not want our middle names or initials to appear on checks, debit cards, statements or any other document. Our middle name did not appear on our checks however, that is as far as B of A went in honoring our request. The debit cards showed our full middle names. I called B of A to inform them of the error. New cards were sent without the middle name or initial however, B of A charged us {$5.00} per card for making the change. They later reversed the charges after I called them. Statements and checks sent by B of A when we use bill pay continue to show our full middle names. Numerous telephone calls to the branch and customer service have been made to resolve this ongoing bank error without success. Today, XX/XX/XXXX, I went into the branch and met with XXXX XXXX, Assistant Vice-President, Relationship Manager. Since my wife is ill ( she suffered a XXXX ) I presented a lawfully executed and notarized General Power of Attorney. XXXX XXXX called her legal department and faxed them a copy. The response was that Bank of America declined to honor the General POA because it had not been signed by two witnesses. I pointed out to her that Arizona law allows the option of having two witnesses sign the document or having the document notarized. She said it was out of her control or authority as her legal department said to decline it. I also advised her that two other financial institutions had already honored the POA as well as hospitals, doctors, attorneys and a local court. She stated that there was nothing further she could do. The end result is that Bank of America has refused to honor a lawful General Power of Attorney authorizing me to represent and act on behalf of my wife, Bank of America has refused to correct their errors and remove our middle names/initials from the records and Bank of America has refused to add our trust as a beneficiary to the account.
The information that I used to sign up was put on the dark web. Surveillance was used to steal my belongings.
A credit card has not been open but there was no other category for me to report this issue. Since XX/XX/XXXX 2016 to present, there have been repeated attempts through Amazon.com to open a Chase credit card in my name. The request is not approved as more information is being requested and because I already have an Amazon Chase card. The problem is that I must call several times a month every time I get a letter, go through the whole process, reopen a fraud alert, and neither Amazon or Chase have changed their process. I am told by the fraud folks at Chase, this is a known issue and they are waiting on a fix but in the meantime I must call every time, have the request to remove from my credit report, and extend my fraud alert. Both Amazon and Chase should know this is repeated against my name and Social and advise the person requesting that the request can not be open and to call a special toll free with Chase fraud or Amazon. I should be sent notification that another attempted occurred, no action needed, and they have me protected.
This should n't be that difficult to flag my SSN and since I do have a fraud alert, why does n't Amazon oor Chase change what they have communicated to me or the person requesting the card. In addition, I have moved and the notices from Chase are sent to my old address since that is what the fraudster is using for the new applications. This shows a clear lack of agility by Amazon and Chase to handle the increasing fraud attempts. While I am happy that no card had yet been issued, if I did not already have a card with Amazon Chase, and if I was not calling every week to close out new requests that one would have been issued.
NATIONAL CREDIT SYSTEM XXXX XXXX XXXX   XXXX XXXX XX/XX/2018 {$1500.00} XXXX XXXX  XXXX  XXXX  XXXX, GA XXXX ( XXXX ) XXXX PROPERTY MANAGEMENT COMPANY CLAIMS EX-TENANT ( consumer ) LEFT RENTAL UNIT IN DISREPAIR AND IS EXTORTING CONSUMER OWES THE ABOVE AMOUNT OF {$1500.00}. 

CONSUMER IS DISPUTING THE VALIDITY OF THIS CLAIM AND CONSIDERS THIS TO BE EXTORTION.
Filed for bankruptcy in 2010 with the promise of a modification but never happened they only proceeded with the threat of foreclosure. We got caught up and now after a discharge the same thing. The property is worth XXXX to XXXX below what we owe on it and realtors state that the house is not in condition for FHA sale. This was from XXXX realtors from XXXX different firms. When contacted Ocwen they only replied back with when can you make your next payment. We have spent XXXX of dollars trying to renovate property but it just not enough, we are so under water in the property that we 're starting to see seaweeds, slight exaggeration but that 's the feeling. The loan/refinance should n't have never been approved and we are partially to blame and I take ownership in that regard but for the Ocwen not wanting to help out in no way Is just wrong. Please offer your assistance if you can as it would be most gladly appreciated.
Ditech/GreenTree Loan # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXXShort Sale was started with GreenTree XXXX/XXXX/2015. A full package has been submitted as of XXXX/XXXX/2015. We have left several voicemails and have also reached out via email to our negotiator, XXXX XXXX, with no return calls or emails. Neither will Ditech/GreenTree return any calls from the homeownerDitech/GreenTree ( or whatever they are calling themselves this week ... ) are refusing to respond to the homeowner 's and the Authorized Third Party 's request for updates. This is not acceptable. It is also a violation of their servicing agreement. 

Is Ditech/GreenTree even working on the short sale? Ditech is refusing to communicate with anyone regarding the short sale. How hard is it to pick up the phone and call back?
I sent of letters certified mail disputing all negative errors on all  XXXX  of my credit reports asking the credit bureaus to verified and send my proof that they verified all of the negative items im disputing. Plus I spoke with agents over the phones about all of this as well.