WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX noticed unauthorized charges to Wells Fargo account. I called local police and have incident number. Officer 's report state account was closed in XXXX. I was told WELLS FARGO would take care of matters relating to this 8 year late notification with my name and incorrect address. I do not know this ID THIEF. 

Wells Fargo did nothing to help me. I never received any mail regarding unauthorized use of my name/ssn/address. The IDENTITY thief 's name was on all my credit reports with current debt collection agencies attempting to collect in my name. I 'm too old for XXXX nonsense. 

Wells Fargo did not follow legal procedures for additional account holders. No verification of ID or signature or presence in the bank. I would never authorize this thief. He continues to use my information which I 'm trying to clear from my credit reports. 
Wells Fargo took care of itself. Not the customer. I closed my account with them yesterday. Goodbye to them. Additionally, we called XXXX XXXX to place a fraud alert for XXXX XXXX and XXXX XXXX XXXX  Wells Fargo did not block them and we can not access them online or phone, long wait times and we do n't have accounts. XXXX XXXX transferred us to Wells Fargo Fraud, transferred us to Fraud Detection, THEY WERE THE RUDEST people we have had to consult with to resolve this matter. 

Additionally I have identity fraud for XXXX, XXXX and XXXX XXXX XXXX on my credit cards. Do these companies report to Credit bureaus? WELLS FARGO says I 'm guilty when they have no proof when I ask them to reverse the charges. I do n't have time for XXXX or XXXX. We notified the police about the skimmers at XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX, XXXX, CO. 

Something has to be done about these XXXX. This is very time consuming and disruptive to me and my family and work.
I sold something on ebay and received a payment for {$1300.00} for the amount of the item ( {$1200.00} after fees ) ( transaction ID XXXX ). The buyer paid by Paypal. Paypal received the payment, but refuses to update my balance. After several phone calls, Paypal said it was due to a " software update '' and it would be fixed immediately. It has now been more than a day. Many other sellers are having the same problem according to ebay 's community boards. Paypal keeps changing the story about when this will be fixed. Some people are being told an hour, some a few hours, some until the end of the day, others 24-48 hours, and one person was even told 4-5 days. Like many sellers, I was relying on this money -- {$1200.00} is not an insubstantial sum -- and I think it is completely unfair for Paypal to hold up so many people 's funds so it can update its software. There surely is a way to update software without holding customers ' money with no recourse.
Please refer to dispute XXXX I have disputed the status of this debt several times. The company failed to provide debt validation and will not answer the number listed on the complaint. I would like to know how this debt was validated. I discovered the company on my credit report and my attorney included them in bankruptcy before we verifying whom the original creditors were. I filed bankruptcy on XX/XX/2017. After notifying the company with the 1st complaint I would like for you to know they have continued to label the debt as a collection account. They are refusing to update the status even with the provided documentation.
Each day they call over 5 times a day, today XXXX XXXX with Synchrony Bank has repeatedly hammered my phone. I have phone records of each attempt made. Not only have they harassed they have went above and beyond the fair debt collection practice.
I attended XXXX College XXXX and I needed some additional funds to further my education '' I graduated ''. Once I completed my degree I began to hunt for employee in my field like a lost leaf in the big city. I found know work in my field so I began to look at other options, jobs that could help me pay my debt. After almost a year I started to get worried because I had n't heard anything from the bank, so in my mind I felt like I had time still because any creditor/lender is required to send you a notice of when your bill is due and this did n't happen for me. So I reached out to Chase when I found employment and asked if I could make some arrangements and I was told know. So now it 's been two years of going back and forth with them and nothing. I need help with this, any suggestions would be greatly appreciated
I was contacted several times by XXXX XXXX XXXX about a credit card debt. They repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not provide them with my current telephone number and do n't know how they retrieved it. They are harassing me to take me to court or other legal action if I do not pay them. The balance they are claiming I owe is {$930.00} for a Amazon credit card. The initial credit amount was {$600.00} and they are charging me extra. I called and spoke with someone on Monday XX/XX/XXXX. I tried to setup a payment arrangement for the {$600.00} but they would not remove the extra charges. I was only given an option to pay the balance in 2 payments and nothing else or I would be sued. They also sent a letter to an address I did n't provide them with. It is not even someone I 'm related to where they sent the letter.
they continue to verify accounts that have been removed from other CRAs and even have provided with the same information the other CRAs have been provided. Please see CFPB case number  XXXX  for reference of account that should be removed. Fair Collections and outsourcing is not verifying this information per them.
I had gotten my  XXXX   XXXX  debit card stolen on  X/XX/17    and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a  XXXX  gas station in  XXXX , IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the on ly one. I  have an installment loan with  XXXX  and a payment of {$46.00} is taken automatically from my checking account every  XXXX  of the month, however,  XX/XX/XXXX 's payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at  XXXX  's was made for $ 30+ and caused my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through  XXXX  when canceling my card and caused the payment for  XX/XX/XXXX  to be overdue. I attempted to pay my past due balance in person at a branch in  XXXX , IL and was advised to wait until my next payment day of  X/XX/17    to avoid being double charged. I listened and come   X/XX/17   I received a phone call from  XXXX  's credit reporting office and was informed my payment was 30 days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to  XX/XX/XXXX  's payment that totaled out to {$100.00} and then the next day was in fact double charged for   XX/XX/XXXX 's over due payment which put me at insufficient funds once again.  XXXX  has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.
At some point in XXXX, a former employer used my information to open a XXXX account in my name. I have never lived in the part of the state the account was opened in, I have been a XXXX customer in good standing since XXXX ( when they were still XXXX ), I have never had need for any other phone service since I work with XXXX and they provide all my other data service needs ( hotspots and internet ). I immediately began contacting both this fraudster employer and XXXX to close this account or pay it off so that it could be closed and out of my name. XXXX was no help, and the fraudster made promises then fled the country back to XXXX after being investigated for other fraud. I have been fighting XXXX over a now closed and now in default account and balance of {$360.00} since XXXX. They have removed it from my credit report, asked me for affidavits which I submitted, and then resent it to collections multiple times. This is my final resort after 4 years of fighting. If this was my own debt, paying {$360.00} would be nothing. I refuse to pay something that is not mine and that I have never used or benefitted from.
I have a discharged bankruptcy which was filed XX/XX/XXXX thru the Federal Bankruptcy court in XXXX, IA. I have called XXXX and filed a dispute to remove the item off of my credit report on XX/XX/XXXX since it has been over 7 years of being discharged. They directed me to contact the Federal Bankruptcy Court in XXXX to tell them to stop reporting to XXXX of the matter and they said they were not reporting to XXXX and informed me that XXXX is not a Federal agency, that they are getting their information from a 3rd party vendor who reports public information. I called XXXX on this information and they told me they would file a dispute. 
I received information on the completed dispute from XXXX on XX/XX/XXXX stating they have updated my information, they are not removing the bankruptcy from my file until the year XX/XX/XXXX. Why do they get to choose this? When I filed for Chapter XXXX bankruptcy my lawyer said the bankruptcy could be removed after 7 year of my filing. XXXX is using the 3rd party vendor LexisNexis who provide public information. Why is it up to a public record company to determine my credit? My FICO score reflects this bankruptcy which has been discharged and the Federal Bankruptcy Court in XXXX told me they agree it should be taken off, they are not reporting it to XXXX, however they will not contact XXXX since they do not work with non Federal agencies. Lenders and employers look at credit scores and history to determine the kind of person I am and I do not believe I am the same person I am today as I was 7+ years ago. I do not think this should be legal to have a credit agency reporting negative information on my credit file if the place of origin is not reporting it anymore. I have waited and improved my situation and I am still being punished it seems.
I signed a land contract for deed. The deal was if defaulted, all prior funds paid, repairs made, and water, taxes, would be lost and converted to a month to month lease. This always avoids foreclosure, Did n't know it was a mortgage. After a short time. XXXX XXXX XXXX got loan or debt servicing many times. and this new company, SN Servicing, XXXX XXXX XXXX, XXXX, Ca XXXX. I never agreed to, or ever paid them a XXXX I had already surrendered the property to the previous servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXX, to avoid any further obligation, letter enclosed. I left Property in XXXXXX 2016, and now this servicer, after moving, is coming in as a new person to collect a surrounded debt and has placed this on my credit report for owed mortgage balance. The original holding company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX
Sold my house on XX/XX/XXXX without following legal procedures : did not notify me of sale date or pending foreclosure by certified mail, and did not publish the sale 4 consecutive weeks before sale. Sent me letters that took an unexplained and unacceptable amount of days even for the US Postal Service. One took 14  days and the other took 10 days.
I have disputed the late payments on this XX/XX/XXXX XXXX account for months. XXXX   and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I received a letter from Synchrony Bank ( formerly GE Financial ). In the letter, it lists reasons why they reduced my credit limit such as number of times credit used in 12 months, number of months credit card has been opened, amount of payment to low over 12 months, and used too much of credit limit within 6 months. And, at least XXXX of these reasons are false. 

I called the phone number listed to obtain further clarification and dispute action. Initially, I was told to contact XXXX to get further clarification. After tell them, I knew my credit score. Then, I was told they have their only credit scoring. When I asks them for further details, I was told they do n't give out information about their scoring. I would also like to note : I have made more than the credit payment they required every month on time ; they lowered my credit limit so low that I would have went over the limit the next time a finance charge was assessed ; and over they past 6 months I had used less than 50 % of my credit limit.
Dear CFPB : This matter is INCREDIBLY time sensitive. SunTrust Mortgage is preventing my wife and I from attaining a home loan. They have misreported our credit in XXXX major ways, which is creating a hard-stop from us putting an offer on the home of our dreams. They have been largely unresponsive, have lost documents, refused to cooperate, been outride rude, indolent, slow-moving, and incredibly difficult to reason with. 

Overview of Situation : We obtained a loan from SunTrust Mortgage in XXXX of XXXX. SunTrust thinks we were foreclosed on, when in actuality we completed a successful short sale with them on XXXX XXXX, XXXX. They erroneously reported this transaction to the credit bureaus as a foreclosure and will not remove it. In addition, they reported to the credit bureaus that we have a 90 day late on a mortgage as of XXXX XXXX. This is absurd. We did n't even have a mortgage with them in XXXX. Everything was complete via a short sale in XXXX. We have been renters since XXXX. 

We have provided SunTrust with the information that clearly shows they were in error so that we could obtain a pre-approval letter from our lender and purchase a home to raise our son in. All that we asked for from SunTrust was : 1 ) a letter stating that they did not foreclose on us ; it was a short sale completed with settled deb and that we were never late in XXXX, as we had already sold the home and were renting 2 ) Contact the credit bureaus and re-report this information. 

The below documentation was provided to SunTrust 's loss mitigation department and Mortgage Escalation Group : The HUD-1The short sale settlement and acceptance letter sent to us by SunTrust Mortgage in XXXXThe Grant Died that shows when then transaction was completed and the final dispersement from title that shows the money paid in full to all parties. 
The Closing Statement from escrow that outlines the entire transaction. 

Our credit report that shows the 90 day late that SunTrust reported to the credit bureaus in XXXX of XXXX, when we did not even own a home. 

After countless hours invested in trying to reason with SunTrust 's loss mitigation department and providing them all of the documentation they need to prove that we executed a short sale with them in XXXX, we received a letter in the mail on XXXX XXXX stating that SunTrust had completed its investigation and they are correct ; we are wrong. The matter was even turn over to SunTrust 's " Escalation Group '' to no avail. XXXX in the escalation group conceded that they only had XXXX staff members and were behind. I begged him to look at our case because of the timing issue of putting an offer in on the house. My begging accomplished nothing. 

The lack of information and sensitivity to a very time sensitive home purchase, as a result of SunTrust 's egregious servicing practices, has directly and solely impeded our ability to buy a house. They are like talking to a wall. They have hung us out to dry and we have zero recourse. 

Sincerely and Regretfully, XXXX
XXXX    XXXX   XXXX  purchased brand new with financing total came to {$29000.00}. I paid over  25  payments at {$670.00} and I had  3  deferred payments totaling  6  payments transferred to end of loan. Last year my car was hit and considered total loss, I had GAP insurance that paid {$5500.00} and my insurance made 2 payments of {$2300.00} + {$8200.00}. The finance company is saying I have a balance of {$9400.00} and it 's actually showing more than that because they are adding interest to it due to me not being able to financially make payments
I have recieved five calls from a company representing themselves as Premier Portfolio Group asking for my husband. When I stated that was not his number they proceeded to tell me he bounced a check, they have his social, and they are with an attorney who is filing a law suit at the end of the day today ( however they 've said this for several days in a row now ). When I asked them to stop calling and informed them that it was illegal for them to leave these messages they curse at me and then hang up. 

My husband and I have a joint account and there are no outstanding bad checks on that account, so this can not be a legitimate debt.
There is some information that does n't belong to me. 
I 've never lived in any other state outside of XXXX ; I 've noticed there is an address " XXXX XXXX, in XXXX state " this information is not mine.
XXXX sold my mortgage to Carrington Mortgage Services, LLC in XX/XX/XXXX, and they have refused to take mortgage payments, has not provided the original wet ink signed unaltered documents showing proof to collect, refused a short sale, refused assumption packet, had my homeowner 's insurance canceled, submitted altered documents to XXXX and XXXX courts requesting to foreclose on my property three times with most recent letter dated XX/XX/XXXX with a move out date of XX/XX/XXXX. CMS provided altered docs stating I defaulting on loan in XX/XX/XXXX and did not reinstate the loan when I have documents showing that XXXX approved a loan modification and said for me not to may payments from XX/XX/XXXX - XX/XX/XXXX. CMS submitted docs to County 's recording office stating I appeared in CA and other locations that I did not appear. Did not honor the Administrative process to show proof of " said '' debt, and the mortgage loan has been securitized and CMS can not produce a clear title or show true holders of the promissory note or title. CMS has tried to force me to move out of the property and refuse to work with me. CMS has rude customer service reps, do not apply payments in a timely manner, called to cancel my homeowner 's insurance, increases customers mortgage payments without valid explanations, changes the locks on the residents homes, make attempts to break into properties, file fraudulent docs with County 's Clerks office, website will not accept online payments - forcing customers to pay additional money for alternative payment methods. CMS is a very dishonest company who do not seek to work with its mortgagee but rather are quick to use deceptive practices and altered documents to enforce foreclosing proceedings. CMS will lie, created fraudulent documents, send over workers to illegally enter your property, and submit fraudulent documents to courts and County 's Clerks office to conceal their illegal attempts to steal your home.
Sallie Mae sold my loan to Navient. I was assured that the consolidated loan was eligible for forgiveness after 10 years of on-time payments because I work for a state university ( non-profit organization ). Now I'm told my loan type does not qualify. I would intend to join class-action suit. They've cheated thousands of us, please help. 

Thank you for your attention. 
Sincerely, XXXX XXXX, XXXX
I had a XXXX credit card around XX/XX/XXXX the last time I made a payment was XX/XX/XXXX I fell behind a couple payments and they continued to add up until the minimum payment was too high I wasnt able to pay it they sent it to a collections agency and just recently I received a call from the phone number ( XXXX ) XXXX the person on the phone told me everything I already knew they said my payout would be XXXX dollars I told them I didnt have it he then said they can split it up into 3 payments of XXXX dollars I informed him that I dont have it he then informed me that there is no way I dont have it because the last time I made a payment was XX/XX/XXXX I understand that I made a promise to the company that I would pay but I have been going through financial struggles if he would have said can you pay anything today I would have said yes but he didnt even give me a option and we was extremely rude
This charge resulted from XXXX charging a restocking fee for merchandise that I refuse to accept. The merchandise had electronic components and they were involved in a vehicle impact. Electronic parts a very sensitive. When they are involved in a accident, damage may not be visible to the eye and can not show up for weeks/months. 

I refused the product and XXXX XXXX issue payment against my advice.
I am a XXXX father struggling to correct my credit profile. I recently paid XXXX accounts in collections, and opened XXXX new credit card accounts for the XXXX time in years. My credit was that bad. Experian and XXXX worked with me and helped out huge, from deleting items that were not supposed to be on my reports, to getting back to me in a more than timely manner on other matters. EQUIFAX on the other hand, is doing the opposite. I 'm trying to remove a credit inquiry that XXXX XXXX inquired XXXX on me ( XXXX in XXXX days ), and since they are the same type and close in date, they should be deleted. Only EQUIFAX REFUSED TO DO SO. The other XXXX agencies did it on the phone, right then and there with a single additional question. They knew it should n't of been there. EQUIFAX, who I have called XXXX times in 2 weeks, speaking with XXXX people, say they are not removing it. This is absurd. How are these people in charge of our credit scores and reports??? I really need help with this, and little as it may sound to some, it is important to me and my family.
I began the process of refinancing a rental house I own. I was qualified and all was needed was the appraisal. It came out fine for value but the  appraiser e stimated the rent to be {$1900.00}. The house is currently rented for {$2500.00}. I had no problem filling the vacancy in two days last  XXXX .     I 've asked the appraiser to both explain his reasoning and to accept my provided comps for rent which shows comparable houses for rent or rented in the $  XXXX - {$2700.00} range. He refuses to even respond.     The mortgage company underwriter will not move forward based on the appraisers opinion.     So, they will not fund my loan however I should have recourse. I 've provided proof of rents and lease agreement and the bank has chosen to rely on the appraisers opinion over my actual data and now I 'm out {$850.00} for a flawed appraisal. It 's the banks prerogative to not fund but at the same time their opinion should be based on fact not opinion. I am entitled to a refund for the appraisal. I 've performed and they 've chosen to accept the opinion of the appraiser over my documented and provided proof of the income from this rental.     If I was n't qualifying or not providing documentation needed to process the loan, I completely understand. However, I 've performed, complied and provided all documentation. I 've done everything they 've requested. If they 've decided to not move forward, at the very least I 'm entitled to a refund for the appraisers opinion over my fact.