WillisBack/dataset-financial-user-claim huggingface dataset:
I am disputing the Wells Fargo Dealer Services account that is on my credit report with you. It is the only Wells Fargo Dealer Services account listed. 

I settled this debt with Wells Fargo Dealer Services in XX/XX/XXXX. This completely resolved the debt that I owed. I also do n't know why this is showing up as being late in the months after XX/XX/XXXX. If I do n't owe anything, how can you and Wells Fargo Dealer Services say that I am late? That 's impossible and does n't make any sense. 

But regardless of the reason, please delete the balance owed and make it show that I owe XXXX and delete the history after XX/XX/XXXX in which I paid this account off. Please make sure this is corrected and stays corrected. If you ca n't get a straight answer out of Wells Fargo Dealer Services then just delete the account. I do not want false information on my credit reports. 

I 'm enclosing a letter from Wells Fargo Dealer Services acknowledging receipt of my settlement payment and that the account is settled and I do not owe any more money. 

If you or Wells Fargo Dealer Services ( who I 'm copying with this letter ) decide you want to keep this account on my credit reports, please explain to me in writing why you are doing this. Explain why you are keeping this. To all of you -- show me the documentation that explains how I can possibly owe money when I have settled the account. I 'll be shocked and disappointed if you keep false information on my account and do n't even make an effort and explaining why you are doing this to me. 

But I 'm confident and hope that you will remove this false information from my credit reports. I 'm trying to make it easy for you to get in touch with me as I must have this false information removed from my credit reports. 

Thank you for correcting this error.
I attempted to request copies of my annual credit report and received different convenient excuses why the XXXX agencies would not produce the report as required by law.
My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX XXXX I work for XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX I would like to request a security BLOCK on my credit file in your office asap. I would like a full report as well.
They reported us to for being more than 30 days late, but we have NEVER been late with our payment. This has affected our credit score.

I have made 3 phone calls and 3 emails to them
Wells Fargo received a legal order on XXXX/XXXX/16 ( one day order ) and processed that day. On XXXX/XXXX/16 supposedly received another legal order of some sort they called an " extention '' of original order. WF did not give this copy to me when requested. I called legal department several times to specifically ask if an additional outside order existed and was informed one did not. Asked why WF overdrew all of my accounts on XXXX XXXX, was told an " escalation '' was in the works to see why accounts overdrawn and was told 20 days to rectify situation. On XXXX day at XXXX CA time, phone call informing me that said check will be mailed out. I do n't understand how WF can overdraw my accounts to satisfy a legal order that they already processed on XXXX and then tell me they are investigating the reason for the action that overdrew my accounts but still act as if the check will be mailed to satisfy the supposed " extension ''. XXXX/XXXX/16 spoke to XXXX XXXX in Arizona to investigate further why accounts were overdrawn on XXXX XXXX. Not feeling confident that this matter will be resolved to correct accounts to previous balance positions. Legal department gives incorrect information when consumer calls to get information on issues. I feel they give us the run around to cover their incompetence regarding the processing of legal orders. When asked if they employ actual lawyers, the answer is no. I do not want to be added to the list of consumers that are unable to open accounts at other financial institutions if my accounts are left in the overdrawn state caused by the legal department. I need answers and help. We have opened a complaint against the legal department as well - today XXXX/XXXX/16 with WF customer service.
This creditor has reported delinquencies on my credit that are in correct and causing harm to my credit ability. On the occasions ( which amount to XXXX ) that I credited the account in its grace period, I was assured by the company representative that it would not go against me and not be reported in my credit files.
My mother used her XXXX XXXX Debit Card and attempted to withdraw cash from an ATM ( I am her representative payee ). The ATM dispensed no cash, issued no receipt. It flashed an error message " your financial institute does not allow transactions of this value ''. When she went to a different ATM, the previous withdrawal had been deducted from her account as if indeed it had been dispensed. I could not contact this company and I made MANY attempts to remedy this error until almost three days later. I was unable to successfully file a claim with them until six days later and they then made her wait another twenty days to issue a 'temporary ' credit while they researched. One month later, I received a letter from XXXX XXXX Stating they were reversing the temporary credit because the merchant 'stated ' there were no errors on that atm. They did not demand proof of dispensation and they have not complied with my request for all documents pertaining to these transactions and for the proof of dispensation. I am attaching a full outline of all dates for phone calls and actions taken by myself.
As of XXXX 2017 I started getting calls from a " debt collector '' called XXXX XXXX XXXX XXXX. I looked them up and saw repeated reviews of them being a scam and being very abusive. Since XX/XX/XXXX I must have blocked about 10 phone numbers because they would call me over 10 times a day. I got another phone with a new number. I can still check my old phone messages and still see that they are continuing to harass me. They are not my original creditor. My original creditor said they could not work with me on my monthly payments which would be over {$650.00} a month. I am stuck. After taxes, rent, healthcare, chip support, and utility bills I only have {$10.00} to live on while supporting my wife and XXXX XXXX. This XXXX XXXX XXXX is being abusive and like stalkers. They have sent me a letter threatening to sue me and garnish up to 15 % of my wages. I do n't know if they are legit and I do n't want to give them any info whatsoever until I know and from what I have found out they are scammers.
I have been experiencing issues with possible identity theft so I submitted a written dispute to Transunion asking that they validate the information with several accounts showing that they have the proper person with regard to these accounts and I asked that both the creditor and credit reporting company provide documentation to show that these accounts belong to me. However, neither party produced or notified me of the documentation used to validate the information on my credit reports.
I noticed I had a negative item on my report, filed a dispute and it was removed. I was told to check all reports and realized there were negative items on all reports. I was denied credit due to negative marks. I 've spent money on numerous credit sited trying to get in contact with XXXX and Experian to get dispute items and also fix my date of birth. I ca n't even see reports or talk to someone that knows whats going on.
Went on line to pay my Credit card in Full -- wording says- to pay in full -- I paid in full but when I got my bill there was still a finance charge applied -- why did they say to pay in full??? Also my statement has the same verbiage -- shows I should have a XXXX balance but they still are charging interest
Because of astoundingly bad customer service, I four times in writing ( electronic ) instructed " Nordstrom '' VISA ( actually TD Bank ) to close my account and tender the approximately {$500.00} in credit balance. 

Each time, they demanded that I phone. 

When I returned from my church retreat, I phoned. I was placed on hold repeatedly, totalling about 25 minutes. Finally the attendant asked me to call again another day ... the person who wished to speak with me was not in, AND they did not know that person 's work schedule. 

This is so typical of the service I have received recently from them. Time to part company forever.
On XXXX XXXX, Chase denied a purchase with my Freedom account ending in XXXX. I have been a customer of Chase for over 20 years, and have never had a purchase declined. I was given different reasons why the purchase was declined. One excuse put forth was the transaction was out of state. Because of this poor service, I cancelled my account with Chase Freedom ending in XXXX. Chase went so far as to email some of my financial information to a third party. They do not have my email account because I do n't have email. A complaint was filed with the XXXX, XXXX in New York state. Please contact me if you need additional information.
Received an unusual voicemail from a XXXX XXXX asking to speak to me or my attorney. He did not say what it is regarding. He did not even tell me that he was collecting a debt. Only that I am ignoring the matter " at this point in service '' and they will proceed to any available next steps if they do not hear from me or my attorney. A message like this was sort of scary and made me think that this was an attorney and I am being sued. I do not have an attorney and I have n't been served any papers. I thought that perhaps this was one of those fake XXXX calls so I googled the number. It is possibly XXXX bank calling regarding a card that I made arrangements to pay.
I have had a 10+ year realationship with WELLS FARGO. I also in the past have taken out Unsecured Personal Loans and had no issue with approval. Actually, the last time I applied I was approved in under 20 minutes. 

This time however, I put my roommate on the loan who has bad credit. I was told that the leading applicant who makes the most money ( me ) would be the primary on the loan and that there should be no problem in applying. 

They declined my loan because my co applicant has bad credit. HOWEVER, I was told that he should not have an effect on this loan other than being able to build credit by being a co applicant. 

My issue is this- How the XXXX can I apply for a loan and no one calls me to follow up and tell me WHY I got declined. Provide me with NO NUMBER to call in and find out more information. No link to see reasons of a decline. Nothing but a pointless hit on my credit and my co applicants, who clearly has bad credit so why not hurt it more by applying. 

Wells Fargo is nothing but a bunch of rich XXXX who give XXXX wages to their emplyoees and rip people off. How is a RELATIONSHIP lender not going to loan me money at the MINIMUM amount when I have over 9k+ in savings and a credit score over XXXX. 

They need to be fined for more than chump change. They need to change their processes. If you really are the CFPB DO something rather than give a tiny fine and then take the money to your own pockets. 


Feel free to look up my loan Unsecured : XXXX - 36 MONTHS 8.747 % - {$95.00} a month XXXX XXXX one of the managers of lending needs to be fired.
XXXX  FAILED TO CORRECT ALL CREDIT REPORTS, CLOSED BY CONSUMER, PAID IN FULL NEVER LATE.THE LATE PAYMENTS WERE CAUDED BY XXXX SLOW PAYING CLAIMS.
I applied for and was approved for the XXXX Credit card by Synchrony bank. After several weeks the card had not come and i called them on XXXX/XXXX/16 and spoke with XXXX " XXXX '' in the fraud dept. I was told that Synchrony will not issue the card unless they have a copy front and back of my license on file. I objected to this because my photo, DL and financial info can be used by hackers to create fake id for terrorists and criminals using my face should they be hacked. Synchrony refuses to issue the card they approved unless i expose myself to major potential identity theft should their systems be compromised. Synchrony does not seem to care that a security breach in their system can create major opportunities for terrorist and criminal organizations to steal identities wreak havoc and destroy the lives of those customers who have been victimized by the breach,
AmeriHome Mortgage has our business phone number in their phone database for an unknown employee. We receive multiple robocalls from AmeriHome with an automated message to call a phone number. I have called the phone number, worked my way through their system, talked with multiple people, and still the calls continue. I have emailed AmeriHome Mortgage and told them to remove our company phone numbers from their database but still the calls continue. We need these calls to stop.
A Debt in the amount of {$6000.00} from National Credit Systems is being reported on my Credit Report.The Debt in question is from an XXXX I leased. I contacted the company on XXXX/XXXX/XXXX ( Spoke to XXXX ) XXXX/XXXX/XXXX ( Spoke to XXXX, & XXXX/XXXX/XXXX ( Spoke to XXXX ). I requested Validation of the Debt. I asked NCS to show me how they calculated what they assume I owe. The company replied with a lease agreement but no transaction history.By law If you saying I owe a Debt I am legally able to see how it was calculated & NCS & in compliance. Secondly, there are inaccuracies on all 3 Bureaus. Ill explain.On XXXX its reported it was opened on XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, & XXXX XXXX/XXXX/XXXX. NCS is Violating FCRA 609, 611, & 623. Please be mindful I am keeping track of when you received it & who I speak to.
On  XX/XX/XXXX   XXXX   XXXX   XXXX   gave U S Bank Mortgage the responsibility of servicing my loan. The   XXXX   XXXX   courts was n't notified. My rights under the wage earner law has been violated. I had   XXXX   XXXX   XXXX   under   XXXX   XXXX   from  XXXX - XXXX . I was discharged in  XXXX . I paid   XXXX   XXXX   XXXX   outside Of The courts. My case number is  XXXX . I paid   XXXX   XXXX   XXXX    through their bankruptcy department. I was current with   XXXX   XXXX   XXXX   in   XXXX   when my loan was transferred to US Bank Mortgage. I do n't know why   XXXX   XXXX   XXXX   did not report to   XXXX   XXXX   court they were  transferring my loan. All of my other creditors was paid by my former employer   XXXX   XXXX    & my payments were payroll deducted. My employer ein # is  XXXX . {$140.00} was being deducted every week from my payroll check every week. In   XXXX   when I received the settlement from the medical malpractice law sue I filed in  XXXX . I paid the courts {$18000.00} on  XX/XX/XXXX  to pay all of my creditors off. The loan I had with the   XXXX   XXXX   was refinanced on  XX/XX/XXXX  while I was in   XXXX   and under   XXXX   XXXX  . I paid off the money store and   XXXX   XXXX   was paid off. The new loan refinanced was with   XXXX   XXXX  . Their loan number is  XXXX . Payments was being made to   XXXX   XXXX   XXXX  .  XXXX  XXXX  interest statements was reported to IRS using my social security number. These fraudulent acts was being done while I was suppose to be protected.
The company XXXX XXXX XXXX continues to file fraudulent inquiries on my credit report. I written a letter to the company directly informing them to stop reporting unauthorized inquires on my credit report and that it was against the law to do so. I have not gotten a replied to the certified letter that was mailed direct to XXXX XXXX XXXX here located in XXXX, Georgia. XXXX  XXXX XXXX has violated the law just recently again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. This has been a unwarranted pattern and something needs to be done. This behavior is and has affected my credit with hard hits and negative blemishes. I am also filing a report on all levels because they are breaking the law.
During the year 2009 we suffered financial hardship when the company my Husband worked for had a major lay off. We had been buying our home for nine years, it was an FHA backed loan. We pleaded with Wells fargo and provided them with all of the many documents and info they requested in order to apply for some type of loan modification on payments in order for us to save our home. There were many phone calls and several of the Bank employees made promises on the phone which were never kept! We had had a history of always making our house payments. We had a young Son still at home during this time and live stock. On XXXX XXXX, 2009 we received notification from Wells fargo Bank XXXX XXXX XXXX XXXX, Iowa XXXX for our loan # XXXX client 708. A letter which stipulates a loan repayment arrangement to help us get back on our feet. Wells Fargo rec ended on their agreement causing us the loss of our home. Locking us out of our home and causing us to loos our personal property. We had to give the livestock away and were displaced having to find rental housing. This property was five acres. We were not allowed back on the property to retrieve or belongings and loss 75 percent of it. I filed a complaint with the Montana consumer protection bureau. Wells Fargo Bank denied doing any wrong. I still maintain that Wells fargo was in fact the catalist for our loosing our home. They were dishonest and offered a plan they did not honor forcing us into Bankruptcy and foreclosure on our home. I attempted to find aid through the FHA and HUD and other entities with no success. I have the documentation of the rec ended agreement I filed a complaint to Wells fargo and I have that paper work.I also have the record of filing to the consumer affairs for Montana.
We are a title company. We deal with many lenders. The Buyers chose XXXX XXXX Mortgage as their lender. This was a FHA loan so XXXX uses AFR XXXX American Financial Resources XXXX to service the loan. We had a closing date established for over XXXX weeks, but AFR could n't close and did not tell us until day of. Buyers had to rearrange their work schedules. Attempted to close a week after and on date of closing, AFR took issue with our Deed. The Deed language was legal and correct ( we are also a law firm XXXX but they refused to allow our closing attorney to speak with underwriting to discuss the issue. This went on for 3 days and delayed closing due to the loan processsors refusing to provide contact information for a manager or an attorney in underwriting. Our closing attorney finally looked up their website and found a number for the VP and spoke to him. This was after we already were suppose to close. VP instructed the processors to provide contact information and the issue was then resolved. Also, AFR kept changing their figures on the HUD and refused to approve it. Even attempted to add their own origination fee, which they can not because original lender XXXX XXXX XXXX XXXX was only XXXX allowed. XXXX XXXX and AFR went back and forth for almost a day until finally AFR changed the wording of that particular fee. Mind you, XXXX already sent the loan documents and it closed but this was 2 days later they said they were not approving the HUD yet! XXXX XXXX demanded they keep the closing date so Buyers did n't have to redo the loan. So for almost 3 days I went back and forth with AFR on figures, XXXX of which was XXXX cents they were changing, which changed the entire HUD!! XXXX XXXX tried to resolve the figures with AFR through numerous email exchanges but XXXX was funding so ultimately it was up to them to approve. Finally, on almost day XXXX, they approved the HUD a full TWO DAYS AFTER CLOSING. I almost missed payoffs and other figures that were date-sensitive on the HUD on our end for Seller. AFR refused to work with us, refused to communicate with us and only did so when their own VP stepped in. XXXX XXXX stated they have this issue with them a lot on FHA loans. Not sure why they still use them, but we had a XXXX closing lined-up right after this XXXX that we terminated due to AFR servicing it. We lost almost 3 days worth of billable hours, not to mention delayed closing by a week to begin with, due to AFR. We will NEVER work with them again.
The following companies made inquiries into my credit profile, inquiries that were not authorized by myself and after sending a letter to the company, they were not able to establish a permissible purpose or furnish a signed authorization by me to run my credit. 

This is an example of what I sent to each of the following companies : " Dear XXXX XXXX XXXX, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made on : XX/XX/2018 Made with : TransUnion To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX '' Below are the inquiries I'd like to have removed due to my not authorizing. The biggest culprit was XXXX XXXX XXXX in XXXX, IL : XXXX XXXX ( XX/XX/2018 ) XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX ( XX/XX/2018 XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/2018 XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XXXX, XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, CA XXXX ( XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/2018 ) XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/2018 ) XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/2018 ) XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/2018 )