WillisBack/dataset-financial-user-claim huggingface dataset:
After 6 months of submitting applications with all my tax returns, bank statements, and all the many documents required XXXX times over, Wells Fargo Bank is moving towards foreclosure on my property. After making the payments required to test me, which were all returned to me, Wells Fargo Bank reneged on their contractual agreement with me in order to go to foreclosure as fast as possible. This is called bank mortgage fraud against the victim myself as the borrower. The reason Wells Fargo Bank is doing this is that they know the value of the property exceeds the loan amount so they do not wish to try to give me a remodification agreement. It is easier to just make themselves whole and XXXX me. The property in name is XXXX XXXX XXXX XXXX. # XXXX XXXX, CA. XXXX. I have had XXXX of phone calls conversations and messages to them. Please help me.
I received an American Express Gift Card as a gift from my boss from work. The first time I tried to use the card ( at a XXXX 's ) only a portion of the purchase was applied to the card ( approximately {$8.00} ). I thought that was weird but did n't think anything of it. The next few times I tried to use the card - all charges kept being declined. Curious, I went on American Express 's website to see how much the balance was. To my surprise, the balance was XXXX. The stated beginning balance on the card was {$100.00}. I noticed charges that I did not make on this card they are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Purchase ( XXXX ) w/ Bal Return & XXXX - Reference number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Purchase with XXXX - Reference number is XXXX
I have contacted  XXXX   XXXX  several times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  XXXX   XXXX  has refused to remove these inaccurate reporting on my credit file with Equifax,  XXXX , and  XXXX . This account was paid in full on  XXXX   XXXX ,    2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.
XXXX XXXX, acct. no.XXXX  is wrongfully appearing on my XXXX   TRANSUNION AND XXXX  credit bureau reports.The problem is that the collector works for XXXX , the original creditor.XXXX has multiple collectors working for them. 
When this same fraudulent debt was put on my reports earlier this year, the account was deleted by all 3 bureaus.I have attached evidence showing that the previous collector XXXX XXXX XXXX., acct. no.XXXX was deleted by all 3 bureaus. 
What is underhanded and probably illegal is that XXXX fails with one collector due to a fraudulent debt and merely hires another to collect the same debt, wrongfully damaging my credit again. 
ONCE AGAIN ... I have never had a XXXX ACCOUNT, PHONE OR TELEPHONE NUMBER.THE email address on the first collector 's debt validation, associated with the XXXX account '' XXXX '' has never had anything to do with me and I don't know whose it is.
I purchased a truck in XX/XX/XXXX. I bought it thru a dealership, the int. was high even tho I had good credit rating. The finance person assured me repeatedly that I would be able to lower the payment within a year. That was a flat out lie. They sold the contract. The company that purchased it did a terrible job with how they applied the int to the loan taking way more than they should have each month. I stopped making payments until they corrected this situation. They never did. Instead they put two payments to the rear of the loan to get me caught up, I made a double payment, all of which went to int. except a small amount. The credit report constantly shows me late, when in XXXX I caught up and stayed current. they even admitted they missed one of my payments. they wont correct it. very damaging. and still they want thousands more in interest money than they should be getting. the correct amount should be {$13000.00}. they have it as XXXX, and I have paid well over 15,000 with more expected. I have argued til I am blue in the face. they just wont listen to reason. I show I have 8 payments left, they are demanding 12. I refuse to give in to them. I just want this done. I may not have been perfect on this loan, but it is paid and I can pay it off today, if they would come to a real number, and that would be 6 months ahead of schedule.
My case is regarding the auto rental collision damage waiver provided with a XXXX card. I rented a vehicle, accepting a partial waiver to cover deductible costs, termed a partial LDW XXXX loss damage waiver ), which covers {$500.00} worth of damage. I had an accident with a deer that caused the total loss of the vehicle, around {$10000.00}. XXXX benefits is denying the claim, stating that I did not decline the collision damage waiver. The benefit information states clearly that " XXXX is secondary coverage which means that it supplements and applies in excess of, any valid and collectible insurance or reimbursement from any source. '' The benefit information also states that " if you accept the collision damage waiver offered by the rental company, you will not be eligible for XXXX. '' However, I did not accept a collision damage waiver, it was a partial coverage meant to cover deductables. Given the text that this benefit is supposted to apply in excess of insurance " from any source '' I believe I should still be covered, but despite an appeal Visa is still denying the claim.
I attempted to file a dispute for items returned back to Gap, the incorrect/wrong items were sent and were returned back. The order, XXXX, contained wrong pair of jeans and shirt. They were sent back on XXXX, arrived on XXXX according to XXXX. Tracking number is XXXX. The order total is XXXX. Again, I attempted to file a dispute, but do not know if the rep ( s ) actually filed it as their XXXX is poor and hard to understand. XXXX rep was provided with reason for dispute and return tracking information. As with most companies, Banana Republic credit customer care has been outsourced to XXXX, reps are ignorant/hard to communicate with.
they are using different fake phone numbers. they call and hang up only when i call back do they identify themselves
I WAS CHECKING MY CREDIT REPORT AND I AM I UNWARE OF THESE DEBTS FROM THIS COLLECTION AGENCY. I DO HEREBY REQUEST THAT THIS OFFICE PROVIDE ME WITH COMPLETE DOCUMENTATION TO VERIFY THAT I OWE THE SAID DEBT AND HAVE ANY LEGAL OBLIGATION TO PAY THIS DEBT TO ERC. Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed ERC {$410.00} OPENED XXXX XXXX, XXXX ERC {$350.00} OPENED XXXX XXXX, XXXX
This is a complaint because of the very unprofessional manner in which I was treated over a debt that I do not owe. I am a XXXX year old, XXXX female veteran. I received a letter dated XXXX XXXX, 2017 on  XXXX XXXX, 2017 claiming I owed {$1900.00} for an unpaid debt ( Attachment 1 ). I called the company and was informed they could not find my case and transferred me to the supervisor. When I spoke to the supervisor he became belligerent and downright nasty. He made it very clear to me that he did not care what the problem was or my health but that I owed the money and could afford to pay. In the middle of the conversation he told me everything I said was recorded. I was asked if I had checked my credit recently. The supervisor went through my credit and told me I had the money and could pay. There was enough on my my credit cards that I could easily afford to pay off the debt. He offered me 7 months to pay {$1900.00} and then he reduced it to {$1500.00}. When I did not agree he returned it to {$1900.00}. I told him I owed IRS and he said he did not care. He did not care if I lived or died because I could pay the bill. I told him that I had sent papers to the second company canceling the debt. He said I had to send in a letter 30-60 days before time was up and it had to be sent in by certified mail to get a response. This is not true nor is it in the original contract which states I can do business by phone and does not mention certified mail. I told him I had talked with the second company and he said it did not matter. I explained my original contract was for 39 months not 60 months and he still did not care because the account automatically renewed itself with no notification to me. He belittled harassed and dogged me over my credit. I felt intimidate and bullied. The company he represents took over the contract from another contractor and never notified me of the takeover or offered me a new contact with better service. I only knew of a different address when I made a payment and I wondered why they had not received my payment ( Attached 2 ). I continuously complained about the service I received and had not used it for over 2 years. The present company and I did business by phone which is allowed in the original and contract I have. I asked to cancel the contract which the present company finally acknowledged by phone by calling me to resend them a copy of the original letter because they lost it, which I did ( Attachments 3 & 4 ). Names are on the fax with whom I spoke. The present supervisor refused to accept or believe what I told him. I deserve to be treated with respect. I do not owe the bill because the present company corresponded with me by phone. They called and asked me to send in the 2nd letter to cancel my contract after the date. They informed me my debt was cancelled by phone. No one told me I had to pay an outstanding amount.
Stellar Recovery is practicing unlawful credit practices. They are reporting a collection and flagging my credit report through XXXX weekly which has caused my credit score to drop by several points on a weekly basis due to their " updates ''. They should not be allowed more than the initial time of reporting the debt. 

They initially reported a collection from XXXX in the amount of {$190.00} on XXXX then flagged my account again on XXXX then flagged it again on XXXX. My credit score decreases between 3-6 points each time after a flag or " update '' as they call it. This is unacceptable and should be against the law. I need them to delete the two flags on my account and discontinue this practice. 

Also, I 'm currently waiting on Stellar Recovery to send me proof or verification of this debt.
The last XX/XX/XXXX I went to Sears store for shopping some stuff at XXXX XXXX XXXX XXXX XXXX  Co. XXXX, when check out the balance was {$58.00}. The cashier asked me do you want credit card store. I was thinking maybe its the moment for apply for one card store for build better my credit. I say yes, I notice she was talking a lot, never give me the right information, just talking about the offers. I sign some documents but I notice doubles papers, I asked her DONT PULL UP MY CREDIT TWICE, she answer me no, just once very softly. After two weeks I received two letters, with two different reference numbers, in this moment I was so upset, I went to the store, I spoke with XXXX, she tell me the general store manager is no in the store for one week well I spoke with her about this problem. XXXX says they cant do anything, but I say the problem come from the shop worker and she offer a letter never received. This is not fair because take me long time to build my credit for just this inappropriate practices from the cashier ; she was just thinking in the commission she was received but never thinking how affect my credit. I never authorize two applications for credit card, please I need your help, I dont want to lose many point just for one person how just thinking in the money, she will receive for the credit card application.

Thanks XXXX
I have a credit card through CapitalOne and recently found out that I am now hopelessly trying to pay off what I feel were hidden compounded interest charges. Unknown to me, they have been compounding interest on a few cash advance transactions made on my card. My monthly minimum payments were not being calculated at an appropriate rate, or applied appropriately to insure that the higher interest cash advances were repaid instead of a continually growing interest balance. I have now read through my statements, and it is true that the information I need to understand what is happening is provided on the statement, but it was not clear to me before and what they are doing just does n't seem right. They are only applying my payments to lower interest purchases, so now what was a small amount of cash advances has exploded into a ridiculous amount of money. Now the only way to get my cash advances paid off is to stop using my card, pay off the lower interest purchases, and then start paying off the cash advances which have accumulated interest at a significantly higher rate. It just seems to me completely backwards from how things should be, I feel like I 'm a victim of not reading the fine print carefully enough, I do n't feel like they have my back which at the very least is disappointing.
My account was closed because the company never applied to the payment I made months ago ... XXXX My limit was only XXXX and this payment was made back in XXXX ... ... ... then they send me out a letter and the account was already closed before the letter arrived to me ....
The following is my complaint that I had made to the XXXX XXXX XXXX. I have now applied that complaint to this form. 

" I called Capital One on XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX about my payment that was due on XX/XX/XXXX. Which was XXXX XXXX. I was having problems logging into my account, I spent those 3 days trying to get through the automated system to get someone on the phone so I can update my billing info and ask a about how my payment would be made if be due on XXXX XXXX when all banks would be closed. For 3 days I could not even get a single rep on the phone. This isn't the first time I have complained about Capital one 's automated system. Previous complaints about their automated system have gone to the Attorney General 's office, the XXXX XXXX XXXX and capital one 's corporate Resolution Team. Previous complaints have also included Capital One staff members deliberately hanging up on me when I asked them not to because I have a complaint. I have could not make my payment to Capital One because I can not log into my account, I can not get a Capital One customer service rep on the phone, and their local ATMs do not service Capital One credit card customers. After my billing due date came and went Capital One charged me late fees and service charges. Capital One has deliberately made it difficult for customers to contact Capital One customer service they have utilized every tool at their expense to take advantage of the customer in exchange for profit for Capital One. As of XX/XX/XXXX I have spent a week trying to contact Capital One and I still can not even get them on the phone. " Capital one responded with a very generic response without doing any research on XX/XX/XXXX by calling me. The rep stated that " we were open on XX/XX/XXXX '' which I doubt because I don't think any banks are open anywhere in the US on federal holidays. I told the rep to make contact with me after researching my complaint along with previous complaints to the XXXX XXXX XXXX and the Attorney General 's office so that they are more qualified. 

Then Capital One response through the XXXX XXXX XXXX stating that I had logged on to my account on the XX/XX/XXXX the XX/XX/XXXX and the XX/XX/XXXX. I stated that this was not true and that it now sounds like my account has been compromised and that may be the reason why I can not login. 

I also stated that apparently it sounds like they realize they had failed in their security precautions and wanted to turn the fault onto me. My complaint had addressed the issue that I could not log in, I called for 3 days and could not get past their automated system to speak with someone ( previous bbb complaints are on file addressing this issue ) my complaint also addressed on how to make a payment when the due date is a federal holiday. I stated in my rebuttal that the nearest branch is in Texas 1500 miles away. I also stated in my rebuttal the ATM 's do not allow credit card customers to conduct business with Capital One. 

I have attachments that will reflect Capital one 's response and my rebuttal.
In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with Equifax and they upheld the credit report and made no changes. I have attached credit reports of mu XXXX and XXXX report for reference.
Fair Collections & Outsourcing ( FCO ) is reporting an account on my credit report that was paid and was suppose to be deleted from my credit reports once I agreed to pay them. The account is past the 3 year statute of limitation in Maryland and this account is from XXXX to XXXX. I paid the account as a settlement with the agreement that it would be removed once it was paid. I was told that they had the agreement from there client XXXX at the XXXX to offer the settlement for deletion but they continue to report this account on my credit reports.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details Inquiry details XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX   Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/2018 + Bank XXXX/XXXX Inquiry from XX/XX/2018 + Bank XXXX/XXXX Inquiry from XX/XX/2018 + Bank XXXX/XXXX  Inquiry from XXXX XXXX, XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/2018 + Bank  XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 + Inquiry details XXXX - XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX/XXXX   Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX-broward Inquiry from XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX, XXXX XXXXInquiry from XX/XX/2018 + National Credit Card Cos. 
XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/2018 + National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX Inquiry from XX/XX/2018 + National Credit Card Cos. 
Universal Credit Ser Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX
Please be advised on XX/XX/XXXX2016 I sent Springleaf information Pursuant to XXXX. ( a ) ( XXXX ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Springleaf! Springleaf has not provided any documentation as outlined in XXXX. ( a ) ( XXXX ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( XXXX ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( XXXX ), the person that provided the information in dispute to a consumer reporting agency shall -- ( XXXX ) conduct an investigation with respect to the disputed information ; XXXX XXXX XXXX review all relevant information provided by the consumer with the notice ; XXXX XXXX XXXX complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section XXXX ( XXXX ) ( XXXX ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ( XXXX ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( XXXX ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( XXXX ) modify that item of information ; XXXX XXXX XXXX delete that item of information ; or XXXX XXXX XXXX permanently block the reporting of that item of information