WillisBack/dataset-financial-user-claim huggingface dataset:
Opened business account with Wells Fargo XXXX XXXX branch 4 years ago. 
The account was open with XXXX individuals on this account as owners. 
We explained to the bank that we had a partnership and presented our partnershippaper work to them for general information. We also told them this account belonged to only XXXX individuals in that partnership. 

After having this account for four years we noticed that an atm card was withdrawing funds from our account over the last couple of months withoutour permission. 
We notified the bank and froze the account and made inquires concerning who was drawing funds. 
They told us it was XXXX of the XXXX partners in the partnership who was not suppose to be on the account. The bank also explained that these partners were on the account from the very opening of the account. 
We told the bank to provide us with the original paper work which would have onlytwo signatures and all the information regarding true ownership. 
The manger could n't find it nor could the executive office. 
I requested a written letter from both the manager at XXXX XXXX as well as the executive office regarding how I could acquire policy information on how initialrecords are maintained and how can account owners get them. 
I also asked if it was a policy that individuals can go on account without signturesor knowledge of primary owner. 
They had no answers and they would not supply me with anything in writing regarding bank policy. 
I told the bankers that my main purpose was to find out how to clarify this situation and to retrieve all funds that were taken without our permission. 
Again they said they could not provide me with anything I requested.
I received notifications of bill from the hospital and they agreed to accept monthly payments. Then the hospital turned my account over to Professional Credit Management. I contacted them and they agreed I could make monthly payments. I was told I would not receive any billing statements or phone calls to attempt the debt owed. 
I tried to call the hospital and they had no information on the company to contact. So I patiently waited for some kind of contact or post from them. I didn't know who to pay much less where to send it. My account has a guarantor on it and at first the bill was in his name and then they put it in mine.I am covered by my parent 's insurance although I am of legal age. Initially they spoke with the guarantor, but then refused shortly there after. On or around XX/XX/XXXX and again on or around XX/XX/XXXX, and other multiple dates, attempts were made to contact them. I actually received a post in the mail of a facsimile copy of their bill marked in red " Collection '' .Even the envelope could be mistaken for " junk mail ''. Immediately I paid the account balance in full in XX/XX/XXXX. This collection marked my credit reports and I honestly believe, in good faith I was attempting to pay the debt. I understand collection agencies have policies and procedures they must follow, however my credit up to this point was impeccable. I simply ask the collection be removed from all of my credit reports. Thank You!!
Advance America charged my bank account that was already closed after the date the loan was due. 
I was expecting this check that I had written them to post the day the loan matured. I then received multiple fees and it caused another payment to return because of those fees ( {$35.00} each and they presented it twice plus the one that returned because of those fees ; resulting in XXXX in overdraft fees ) which ultimately led to my bank account being closed. 
Additionally, they have been advised via written notice to not contact my place of employment and they have called 4 times a day since the notification went out on XXXX XXXX, 2015. This company is putting me at risk of losing my job.
On XX/XX/XXXX I sent a letter to Experian requesting the correct the personal information they are reporting on the credit file they keep associated with my social security number. I included copies of the following documents for clarification : Commonwealth of Pennsylvania Official Birth Certificate ; U.S. Passport ; Goverment Issued ID ; Current Bank Statement ; and Current Utility Bill They are continuing to act in grossly negligent manner by reporting incorrect and inaccurate names and addresses. 

On XX/XX/XXXX a dispute was opened under Experian report number XXXX. 

I contacted Experian on XX/XX/XXXX to get an update on the dispute. I was informed by a representative of Experian, who can only be identified by XXXX of the Impct Team, that Experian will not update the information. 

I expressed to her that in accordance with the FCRA any address that is undeliverable to me by the U.S. post office is  inaccurate and must be deleted. I also informed her that XXXX and XXXX has already corrected the errors. She informed me that Experian will not delete the inaccurate addresses or delete the erroneous names on my file.
I have recently become an adult and monitor my account like I should. I purchased a XXXX  account which shows the reports for all the Credit Reporting Agencies. As ofXX/XX/XXXX I also purchased the Experian premium service and found that there were to credit cards opened in the name XXXX XXXX one on XX/XX/XXXX and another in XX/XX/XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over 50 XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX P.S there is over 250 XXXX XXXX in a 6 hour radius of where i currently live.
Derogatory information from the company XXXX XXXX continues to be on all 3 credit reports. This debt has not been validated and keeps being reported on report since XX/XX/2015, I have repeatedly disputed this account and credit agencys only response is this is a accurate account.
I have been charged numerous overdraft fees because, according to Chase Bank, I did not uncheck the overdraft protection box. I now owe {$350.00} in fees.
This is in reference to two complaint file with the CFPB ( Please see attached, I try to submit the notes below via " feedback '' however I kept getting the error message that the page was not found.   Complaints #   XXXX   and  XXXX  Both companies alleged to have sent the results summary was sent to of you for review On    XXXX   XXXX  2017 ,  However as of today    XXXX  2017     I have never received anything from USAA or  XXXX . They have validated the debt with  XXXX  without providing any supporting documents. As listed on the complaint files, my mailing addresss is :  XXXX ,  XXXX     XXXX   XXXX   XXXX   XXXX   , CA  XXXX
I received a settlement offer to pay off my debt for my XXXX XXXX credit card account from Progressive Financial Services. I received this offer on XX/XX/XXXX. I sent the settlement offer amount on XX/XX/XXXX ; documentation to support. Over the last year I have received several notifications that I still owe on this account, and several collections agencies have sent me letters ; documentation to support XXXX agencies still trying to collect this debt. I found out today, XX/XX/XXXX, that this debt is still active against my credit report and is effecting my credit score. I want this debt erased, and I want my credit score adjusted to when I actually made the settlement payment back XX/XX/XXXX.
1a. on XX/XX/XXXX XXXX filed a fraudulent Assignment of Deed of Trust falsely claiming to be nominee for the defunct XXXX XXXXXXXX XXXX. XXXX  violated RTC 23302 Transferring Property in California under a corporate suspended license. XXXX  license to do business in California was suspended by the Secretary of State of California XX/XX/XXXX. XXXX  license to do business in California was also suspended by The Franchise Tax Board XX/XX/XXXX. XXXX XXXX did not own any loans in XXXX XXXX XXXX XXXX XXXX. also filed a Corrective Assignment of deed of trust in XXXX operating under a Suspended Corporation violating State and Federal Laws. 
2 Specialize Loan Servicing is responsible for the illegal transferring of loans XXXX XXXX XXXX who is employed by Specialize Loan Servicing forged the Corrective Assignment falsely claims to be Assistant Secretary for the California Suspended Corporation XXXX, and representing the defunct XXXX XXXX XXXX who denies owning ANY LOANS as of XXXX See XXXX XXXX XXXX Liquidating Trust Letter Page 3.
I sent Transunion numerous documents to show that information on my credit report is incorrect. They have put a freeze on my report and will not correct my information. They will not help me, and I've sent sensitive documents through the mail to them, to verify that the information they had was not correct Please Help!
On numerous occasions, my wife and I have been contacted by representatives from a company named " Curtwright & Klein, LLC ''. The messages are usually quite vague, stating that the person is " trying to get in touch with XXXX '' ( my brother ) and that they 'd appreciate if we could help them get in touch with him due to an " urgent matter ''. In most instances, only a return phone number is left and no mention of debt collection. 

My wife and I are estranged from my brother and have no way of getting in touch with him. At several points over the last month, we have called this collection agency back and asked to be removed. They have not respected our request and continue to call us. Sometimes it 's a live person, other times it 's a recording, and the caller ID varies. 

Phone numbers used : XXXX XXXX
We have been experiencing extreme hardship, me with an injury that left me XXXX which forced me into early retirement after XXXX yrs as a XXXX XXXX for the XXXX XXXX XXXX, then a XXXX XXXX XXXX XXXX to on/off to date ; my husband 's loss if his job last XXXX XXXX re-employed as of XXXX XXXX ). Thus we applied for a modification through our mortgage company, Nationstar in XXXX of XXXX. In our humble opinion, we received horrible service in our attempt at modification ; scanning in their computer which was never downloaded which held up processing, us constantly scanning, rescanning & faxing docs, talking to people who were rude, totally unprofessional, unknowledgable, being told frequently that part of the mod packet had expired & had to be resubmitted, etc, etc. We were told by one representative that Nationstar demonstrated this common behavior on purpose to gain more interest on the account, XXXX they certainly did. 1 year & a half later this matter has not been resolved ; we never received any response. We refiled in XXXX of XXXX, the new company, XXXX XXXX claims Nationstar sent out a decline in XXXX, XXXX. We NEVER rec ; d it. The company has now become XXXX XXXX, and I must say they are more customer friendly ; however misinformation is still rampant. 
We contacted HUD in the summer, that representative was no help. He resubmitted another mod & left us hanging with no action on our behalf. After receiving a foreclosure notice at the end of XXXX, we contacted another HUD representative who filed another mod on XXXX/XXXX/XXXX. We were told by the HUD official the the mod was declined for " insufficient processing time '' before the foreclosure, According to my research of federal regs, the consumer has up to 10 days before a foreclosure to file a modification. 
We contacted XXXX XXXX and relayed the same. At first they continued to refer to the 30 day allowance they had used for the purpose of the decline. Then a XXXX kindly stated she would look into it. We are waiting to hear the outcome, and would greatly appreciate any assistance provided.
I made a payment to cap ital one f or {$280.00}. They claim they have returned check for this amount. Contacted my bank  XXXX  who told and gave me ( written confirmation ) that  capital one never   attempted to draft {$280.00} and they never returned it obviously. I tried correcting this error by phone multiple calls send documents proving capital ones mistake. Capita l one stat ed they would not reprocess the original payment that I had to make it again. Well I did and still  XXXX  has not seen any pending drafts from my account ( I made the second attempt to pay 3 days ago ) since having the card maximum time frame is 2 days during the  week 3 on  weekends ... it 's weekday. Cap ital one h as chosen to close my account. Told me I had to honor my payment without having access to my  XXXX  cards. This has left me without food drinking city cloudy tap water until Tues  XXXX   XXXX  and only this soon because I receive my paycheck. The documents I have show there 's not stop payment on my open   XXXX   account there previous drafts and pending drafts showing there was no attempt on capita l one to collect a copy of my statement showing I have had the fund available to capital one since I 've made the original first payment. Capital one is violating  there terms and conditions we agreed upon when I originally signed up with them. Considering the error is on there end I feel my account show be open and shou ld of not been closed and any negative information from this should not affect my credit score. After providing proof capital one has changed there reason to why they closed my account however fact is they did n't process a payment and fraudulently marked my account with a returned check. I want this matter resolved immediately. Capital one continues to say they have to review the documents I sent .... no what capital one should have done w as collected my original payment then my account would still be open and they would n't of screwed up my credit wen I was planning on buying a house in the next few months.
Information they are asking me to verify my account is not relevant and none of it relates to me. It keeps denying me a copy of my report saying I have failed to verify information that is not mine. Addresses and liens are not mine, as well as some charges from comcast related to the bad address. This is from equifax. The other agencies responded and removed the information from my report.
A company identifying themselves as XXXX XXXX XXXX XXXX called my cell phone XXXX at XXXX XXXX XXXX XXXX. The automated dialer asked if I was XXXX XXXX to press one and I think it said disregard call if not, this is an illegal non-compliant TCPA call that was made to my cell phone. I pressed one to tell them its a wrong number. 

The male agent was immediately defensive about me asking for the company name as if he didn't want to give it, he stated he didn't call me that the automated dialer did, I advised that was a problem, he was speaking over me and very unprofessional, he refused to give me an address to send correspondence to and hung up on me. I called back and the same thing happen again with a male agent I think the same one, again refused to give me an address for correspondence, I was online and asked if he was associated with the MN location and he said no XXXX, GA and was extremely unprofessional, said he didn't have anyone in their Compliance or Legal department and hung up on me again. 

They acted so deceptive and unprofessional that I felt an obligation to report them. I was going to mail them correspondence to not contact me anymore just in case verbal wasn't enough but instead ended up wasting time while I'm working to get an address from someone who called my cell phone for the wrong person. This company is clearly not living up to what they say on their website and I quote " We practice our PhD, or " Preserving Human Dignity, '' philosophy when talking to clients ... we will collect money while maintaining mutual respect. '' On the third call I reached a Mrs. XXXX who accidentally hung up on me, I called right back and she answered and gave me all of the requested address information. XXXX XXXX XXXX XXXX XXXX, MN XXXX.
I received a signup offer of spending {$1000.00} and get : 1. 30000 XXXX XXXX miles. 
2. {$100.00} statement credit. 
3. Free Companion fare ticket XXXX {$99.00} XXXX. 

However, after I spent {$1000.00}, I received only 30000 miles but not 2 and 3. I called BOA and the customer representative had no idea what I was talking about and even transferred me to XXXX XXXX to ask for my statement credit. 

I have no clue in how to request {$100.00} credit card statement from XXXX XXXX
I 'm a victim of identity theft. The following XXXX credit card account is listed on my XXXX XXXX, Equifax and XXXX credit credit report and it 's a fraudulent and unauthorized account. I never applied for the following XXXX credit card account : XXXX. Someone stole my personal information and identity, and fraudulently applied for and used the above XXXX credit card account. The XXXX credit card account do n't belong to me, because I did n't apply for the account.
All Collection or Charge-Off accounts on credit report should reflect a closed status. By leaving the status as open, my balance has changed several times from the collection and/or charged off amount. My understanding is that " Open '' accounts influence your credit score much more harshly than " Closed '' accounts. If a company has " Charged Off '' or sent your account to " Collections '' should n't it be closed from reporting every month as a revolving or installment account?
My house is scheduled to be sold on X/XX/17 and since Wells Fargo has not properly administered the loan details I can not sell. The buyer wants a clear title and without one will not proceed with the purchase. Wells Fargo has been contacted to clear the title but has not yet done so. My loan was due to end in XXXX of 2017 so this issue would have cropped up at that point even without the sale of the house at this time.
Original loan was through XXXX XXXX, when it came time to repay my loan, my loans were then the property of Navient. They wanted me to pay {$1000.00} a month for my student loans and I did not have the income, they explained to me that I could pay deferments of {$150.00} for every 3 months to keep them in good standing. I did this, but of course I ran out of deferments and my loan amount went back up, I tried to set up an income bases or payment plan with them and they would not give me any amount less than {$800.00}. I tried to I did not have the money as I was just graduating from school and not landed a full time yet. my income was unpredictable. I asked for relief after paying something towards it, but they said since my account was in good standing there was no program that I could qualify for. So I had to let them go bad, by this time they were willing to work with me or so I thought, no they wanted XXXX dollars, again stressing to the and filing out monthly financial reports, they then begin to say you do n't have enough surplus income to pay these so we ca n't prove that you can pay them, therefore you do n't qualify for a relief program. I was so disgusted. Again, I had to let them go bad. Then, finally in XXXX I spoke with a nice lady who told me I had now been able to qualify for a 15 month, lower interest rate program, where I could pay {$260.00} a month for all of my private loans, and that they would lower the rate to 3 %. I had to set up automatic payments for the entire program, but could not be promised that after the 15 months, they would skyrocket again. I decided to take their word in hopes of raising my effected XXXX credit score due to these loans, and pay them so they would be in good standing. Well I received a call on XXXX XXXX stating that XXXX of the loans would not qualify for the repayment plan and they needed an additional XXXX dollars to satisfy the loan. " Wait, what? '' I said to myself, this can not be true, the whole reason I signed up for this program was to state repaying this loan, after Navient continued to attack my credit score and offer me absolutely NO RELIEF, I finally qualify for a program and they renege on our agreement! I am considering bankruptcy because I do not see an end in sight. I am XXXX years old with XXXX in private loans, and if they continue to treat me like a rag doll my credit score will be XXXX : ( I do n't know what to do!
I attempted twice to get my free annual credit report from XXXX, XXXX and Experian on Sunday, XX/XX/XXXX from the US government approved site XXXX. Both times I received a notice that I was unable to get a copy of this report.
Experian reports FICO score to XXXX XXXX which allows me access to it. My credit rating throughout the last year was steady at about XXXX ( see attachment ), then in XX/XX/XXXX, inexplicably, my score tumbled to XXXX. Shocked by the rapid decline, and knowing there were no triggering events, on or about XX/XX/19, I reviewed my credit reports from XXXX, XXXX, and Experian. All were stellar -- no defaults, all bills paid on time, all closed accounts were left in good standing. I called Experian, XXXX XXXX 's supplier, to complain, and they threw it back on the bank, which in turn blamed Experian.
A {$100.00} rebate was offered from Synchrony Financial when opening and using a new " XXXX & XXXX '' credit card on any single-receipt purchase. Offer valid XX/XX/XXXX. I made a {$260.00} purchase on XXXX after applying for and using the card info at the store to make the purchase. I paid the account on XX/XX/XXXX. I mailed all required documentation including a copy of the original receipt and rebate form to : XXXX & XXXX   Rebate, Offer # XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX on XX/XX/XXXX. After no response or rebate, I contacted XXXX XXXX XX/XX/XXXX, and was told they had none of my paperwork. The rebate form had to be postmarked by XX/XX/XXXX. I spoke with a program manager named XXXX and was told although XXXX could not help, if I would fax her all my paperwork she would see how she could help. She did not contact me. I contacted the rebate center and spoke, emailed my documents to XXXX. I was told they would see what they could do to help. No one contacted me. I called XXXX XXXX  on XX/XX/XXXX, and talked to XXXX who wanted me to AGAIN fax everything. The rebate center emailed me they were trying to get in touch with XXXX. I still do not have my rebate. Have I been scammed?
I have been fighting with Synchrony Bank with credit card accounts they said I open on line. When I asked them to please validate that information all they show me are bills with my name attached to them an a online application with my social and address but not the correct phone number. Also what I told them is when I apply for credit I always either use my middle name or middle initial because within XXXX miles of where I live there are several individuals with the same name as myself. The company refuse to remove anything and has me liable for those accounts, however I receive in the mail today a letter from them saying they will delete the credit inquiry that I never made from my credit file. What can I do to get not just the credit inquiry removed but the unauthorized accounts in my name removed also?