WillisBack/dataset-financial-user-claim huggingface dataset:
I went to see XXXX XXXX XXXX XXXX in 2013, to get XXXX, on my first visit was the XXXX exam and how much my XXXX would cost me per XXXX. I give them my XXXX insurance card and a voucher of {$120.00} for my XXXX or XXXX. I was told that my exam was {$120.00}, I let the lady at the front desk know she can use my {$120.00} voucher to pay for the exam and XXXX will take care of the remaining balance. I told the doctor I would have to come back for my XXXX, do to money problems. The doctor told me to use the XXXX trials for two weeks to see if I would be happy with them. Once my two week was up, I went back to order the XXXX that 's when I was told I had a outstanding balance. Of which I never received any XXXX nor XXXX from them, I only received an exam.
This a complaint against Wells Fargo Bank. Concerning XXXX XXXX XXXX, XXXX, XXXX. Based on WFM not providing the complete truth to the Credit Agencies, but only a misdirected biased opinion against our family, we have suffered considerable damages. As much as {$100000.00} in direct costs and more in other costs and ongoing costs. Wells Fargo intentionally keep as trapped and unable to get a new mortgage. THE Credit Agencies, XXXX, XXXX and XXXX have wrongfully refused to alter our credit reports, they have told us, this because of the ( false ) information supplied by Wells Fargo Mortgage. Here 's new and additional information.. 1 ) WFM wrongfully show late payments in 2016. There was one occurrence of late charges about 24 months prior XXXX 2016. Wells Fargo wrongfully carried these late charges forward. The late charges occurred when l became seriously ill. We requested numerous times, from Wells Fargo , emergency 401k application forms, so we would remain current. Despite numerous requests Wells Fargo did not supply the forms, leaving us unableto stay current. We made a complaint to WFM about this and WFM produced false documentation to 'claim ' they provided timely documentation. We will testify under oath WFM intentionally misled with  this false claim and these false documents. 2 ) WFM have told the Credit Agencies we were late in all of 2016, when in fact WFM made no late  charges against in 2016, the dispute over all late charges was n ongoing dispute and WFM had  suspended late charges as we tried to negotiate a settlement on all late charges, without resorting topossible class action law suits. We have never yet filed any law suits against WF, but we are very very hurt, at the ongoing abuse and hurtful actions to this day from WFM, as noted above.
3 ) WFM unfairly, even told the Credit Agencies we made a late payment in the month of XXXX 2016. 4 ) In XXXX 2016, after discussions, my wife and l informed WFM of our intention to settle 100 % of the mortgage on XXXX XXXX 2016. We were assured there would be no late charges from WFM in XXXX 2016, as we were settling/paying off the mortgage account in full XXXX XXXX 2016. We notified WFM in writing our payoff was arriving XXXX XXXX 2016. There was a timely written notice from our Title Company to WFM, weeks before XX/XX/2016. WFM. WFM received that written notice.
Greetings, I never heard of Clarity services not until I was trying to get an approval for furniture that I need for my new house. They are reporting inaccurate report about me to the company I was trying to get credit with. I called them to ask why that my bank account that I have since 8 years is not accurate as they said and they told me that at times it is because of military services which do n't make any sense. They need to remove fro they file because I do n't know who they are and they are being paid to report negative items on individual 's credit profile.
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Clarity services is a ripoff and they are reporting XXXX report so the same report is reported twice on my credit file. Shame on you.
i recently found 6 fraud accounts has been listed to my credit reports to ( EXPERAIN, XXXX XXXX XXXX ) and also found address has been listed that 's i never lived there also wrong names has been listed too, i filed FTC report # XXXX and also i reported to local Authorities to XXXX # XXXX, the accounts listed below as : ( ( 1- ) ) -Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 3 ) ) - Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Date Opened : XXXX/XXXX/XXXX ( ( 4 ) ) - Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 5 ) ) - Account Name : XXXX Account Number XXXX XXXX Date Opened : XXXX/XXXX/XXXX ( ( 6 ) ) - Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date XXXX
I get repeated daily calls from Continental Finance on my cell phone from XXXX. The hang up when I answer. I owe nothing to them, or anyone else. I have never done business with them. The harassment must stop.
I have sent Fair Collections & Outsourcing a Debt Validation letter three times asking them for proof that I owe them any money. I have ask them to provide me proof that I signed any letter or invoice stating that I would pay them for any service. They have failed to provide me with any proof. I have asked them to stop reporting this alleged debt to the three ( 3 ) major credit reporting bureau 's ( XXXX XXXX, XXXX and XXXX ) until they provide me with the proof I have requested, they have failed to stop reporting this alleged debt.
I had an auto loan with Oklahoma Motor Credit Company, I got behind on it and had to work with their attorney to get the balance paid off before they repo the vehicle. Which I did, in XX/XX/2015. I received a balance in full letter and account closed. Now, I'm trying to purchase a house and when I had my credit pulled, this company is showing a XXXX balance and a monthly payment of XXXX plus it's a charge off account with current delinquencies. I attempted to contact them and they refuse to speak with me, stating that they doesn't have to talk to me regarding this account and hung up on me.
I opened a XXXX/ XXXX XXXX XXXX credit card account in XX/XX/XXXX. There was no interest rates due that I was told. I was making timely payments on account until they XXXX XXXX on balance on account and never credit payments towards account. I have been disputing off and on since XX/XX/XXXX and XX/XX/XXXX now XX/XX/XXXX. I have sent proof of a letter from Sams Club crediting my account in the amount of {$770.00}. This is admitting they made a mistske on account. Otherwise they would never have credit my account. I also have a letter on the interest rates. They have made my credit XXXX by reporting a false report on my credit report. I am not able to get or do anything for three years. I need them to either correct my account or take their name off my credit report. 
I also have a Walmart credit card by same bank. I have been making my payments on Walmart since I opened in XX/XX/XXXX never late. So this shows proof I do pay my bills. This company is violating the fair credit reporting act by reporting an account where XXXX XXXX XXXX have no paperwork to show the account. 
I declare under penalty of perjury under the laws of the state of California that the above is true and correct of my own knowledge. God Bless Sincerely, XXXX XXXX
My Student Loans are mostly managed through Navient but also through  XXXX  I live in  XXXX  but am a US citizen. For almost a decade now I have been repaying my  XXXX  student loans and my law school student loans. I have two types complaints the first is general regarding both Navient and  XXXX . The second is specific to Navient.      1 )  The options for repaying student loans from a foreign country are MISERABLE. While I understand that loan repayments must be made in  US d ollars, this leaves me with the option of mailing checks or money orders in  US .  This is not a problem save for the expense of mailing  XXXX  checks to  XXXX  different places ( about {$6.00} extra a month ). My real concern is that these companies continue to tell me they prepare invoices and mail them 20 days before they are due. There is no way to change that except through registering for e-notices. I do not want to go this route but my bills often come days after they are due. I live in  XXXX  outside  XXXX  so it is not like it should take that much longer to reach me.      2 )  Navient : I am sure you get tons of complaints about navient 's services. Their automated telephone receptionist is beyond unhelpful. As i said, I live in  XXXX  so there are always problems with my questions, e.g. payments. I can not reach a live person on the weekends ( i tried 4 times on  XXXX   XXXX  only to be disconnected when i asked to speak with a representative ). I called regarding a loan payment that bounced because of a banking issue. That was corrected and  Navient  told me the payment had gone through on Friday. I wanted to make sure after speaking iwth my bank on  XXXX   XXXX  and could n't reach anyone. I then called on  XXXX   XXXX ,   XXXX   at   XXXX   XXXX   to make sure again that the payment was fine. IT was not and I had a past due amount. When i attempted to make the payment over the phone I was informed they no longer took CC which is insane and the only way I could make payments in the past over the phone as i have no US bank account. They then took my debit card information and told me it went through but that I should check back. Again, that is insane. They charged me interest on the past due despite my efforts to make the payment and ensure things were corrected. Then I was told that they would charge me interest until my loan check arrived by mail if the debit card did not go through. This is unacceptable. I have made considerable efforts to ensure that I pay my loans on time including getting a US $ checking account at my  XXXX  bank. I am responsible for late fees despite getting invoices after they are due and while my check is in the mail to them ( an extra 7 days ) I have no options to make payments directly. Rather than make it easy to make loan payments and keep them current, Navient has reduced my " emergency '' options when a problem rarely occurs. I can not correct the problem and have to rely on smail mail at my cost and with interest while it works its way to Navient.
On XX/XX/XXXX, I opened my e-mail from my citi cards account to be informed that the line of credit on my account was being reduced from {$24000.00} to {$21000.00} and the stated reason was that I had big balances on other bank credit card accounts. I have had the citi card since XX/XX/XXXX, and with the exception of XX/XX/XXXX, I have paid my account in full or in an amount exceeding the minimum payment each month before the due date. Last month I was visiting friends in the Florida XXXX when I mailed my citi card payment on XX/XX/XXXX, but the payment was not credited to my account until XX/XX/XXXX.
I have an ongoing dispute with RoundPoint Mortgage Servicing Corporation XXXX. 
XXXX, NC XXXX https : //www.rpmservicing.com/ Phone XXXX RoundPoint XXXX up my escrow account and trying to make me pay extra {$500.00} per month ( they included our property taxes in the escrow account while based on the closing agreement we pay them on our own ). I called company at least 4 times to resolve this issue and at this point I 've been told a million things by their various employees claiming everything from " I do n't have to pay until receive a new escrow statement analysis and new invoice and your late fees will be waived " to ' you have to pay full amount anyway '' Recently I 've got a new escrow analysis statement, but they again XXXX it up made it effective just XX/XX/2017 and I 've got a new invoice with wrong amounts for two month now and a late fees. Could you please help me in this matter, your help will be highly appreciated.
I wanted a {$45000.00} cash back. In the whole process it was never talked about that I had to pay a third loan They were very dishonest because they told me until the end when the loan was closed. 
They did not give him the opportunity to choose if I wanted to continue with the loan
We have a mortgage that the company holds us in escrow. In reviewing our tax history they have not paid our taxes on time for the past 4 years of taxes, and of course it comes out of our escrow so we actually are paying these fees, the fees total {$430.00}. I contacted the Federal Trade Commission and they advised me to contact you regarding what we can do. I did email the mortgage company and they gave a non-answer or explanation.
I applied for financing via XXXX XXXX on XX/XX/18. I received an immediate denial letter stating my credit score was XXXX reported by XXXX. I have an Equifax account which shows my XXXX  score being XXXX as of XX/XX/18. I've tried reaching out to XXXX  with no results.
This debt is subject to the Hospital Fair Pricing Act and request has been made for the same. Collection efforts thus violate XXXX Health and Safety Code Section XXXX.
Complaint made to Transunion on XX/XX/XXXX for derogatory account which they say is not on my credit report. I tried to file a dispute and they said it wasn't on my report, which in turn, kicked me out of their system and did not allow me to file a complaint in their system. In addition, this lien I m speaking on was taken off of all other reporting agencies, reporting only on Transunion 's credit report. The lien was released and does no longer belong on my credit report.

Recorder of Deeds Lien Status -Released REF # XXXX  Amount -XXXX   Transunion last reported this derogatory account on XX/XX/XXXX even with my complaint attempted to be filed on XX/XX/XXXX. It is off all other reporting agencies expect this one. ( i.e., XXXX & XXXX )
I sent a letter XX/XX/2018 to Trans Union which was Signature received on XX/XX/2018 challenging the accuracy and compliance of a bankruptcy in which they have on my credit report file. I received a response from Trans Union but they failed to provide me with a copy of any viable evidence showing the account is being reported accurately and no name, address or telephone number of any person contacted during this reinvestigation.
On XXXX XXXX, 2017, I contacted Midland Credit Management about a debt that I had owed. I was not disputing the debt but wanting to pay it off. I negotiated a payoff amount of {$1000.00} and paid it by credit card. I have received several notices threatening garnishment of wages AFTER I paid. I tried several times to contact them and each time I was transferred and then sent to voice mail. I have left several messages trying to explain that this debt was paid. I finally went on line to find a different number or address to contact and found one for the corporate office in XXXX XXXX, CA. I sent and email and a copy of the credit card statement. Two weeks later, I received a letter validating the debt that I had owed but nothing about the pay off. I have the credit card statement with the payment to Midland Credit Management on their and they still refuse to acknowledge that I paid the debt. I just received a letter again ( XXXX XXXX, 2017 ) stating that they investigated and found that the debt was valid and they would start collection procedures again.
I failed to pay my car loan. Thought I paid on line but must have clicked wrong button. Money in checking for car loan was spent ; mixed together with tax refund. 
I understand that I need to pay and appreciate the loan but received a notice that my car will be repossessed if I do not pay within 10 days. 
I feel that after paying on a loan for 4 years a 10 day notice that they will take my car is extreme and unethical. 
This was my XXXX notice of repossessing my car and after 3 days for mail delivery I now have seven days. 
I contacted Chase on line yesterday and my message was transferred to another department ; no reply from them.
there were several inquiries in my credit on XX/X/17 regarding a car financing application. I only applied with one institution, but the dealer sent it to several banks including a bunch of hard inquiries in my credit
The credit report agency is reporting inaccurate information on my credit report. They have the collection account contract caller Inc on my credit file This is not my account. This belongs to someone to someone else.
An entity known as Evans Law Associates is threatening legal action against me on a debt I do not acknowledge dating back to 2007. 

I have asked verbally for them to cease and desist. I have also asked for their mailing address which they refuse to provide. 

They are also harassing family members who are not affiliated with the debt in question whatsoever.
XXXX XXXX CFPB Case number : XXXX ] ***** [ Chase XXXX # XXXX ] I previously submitted the above claim numbers. In this complaint I pasted the same information used the above referenced complaint. 

After careful review of the original claim I discovered that I only submitted a claim for the unauthorized transactions committed against the estate checking account and I mistakenly omitted the claim for unauthorized transactions committed against my sisters Estate savings account. I am now attaching the XXXX in-person unauthorized draft transactions Chase bank permitted an unauthorized person to sign checks, order checks, draft money in-person, establish ACH recurring payments from an Estate account. This person had NO authority from the Vermont probate court and also this person had no signature card on file. Also Chase bank allowed the previous XXXX to in-person draft large amounts of cash without any due process to the disposition of the funds. 
On XX/XX/XXXX I was appointed by the Vermont Probate court as the XXXX Estate XXXX for my sister who passed away XX/XX/XXXX Upon my sisters death the XXXX probate court appointed my Mother as the XXXX of my sisters XXXX and this is when the Chase estate account was established. From XX/XX/XXXX to XX/XX/XXXX my mother was in XXXX under total XXXX for almost the entire time until her death on XX/XX/XXXX and was unable to perform her duties as the XXXX. During this time many unauthorized transactions were performed and Chase permitted most of the incidents. Upon my appointment as XXXX on XX/XX/XXXX I went to a Chase banker to establish myself as the Newly appointed XXXX and in XX/XX/XXXX I was granted access to Estate account. During my initial meeting with the Chase banker we discovered multiple discrepancies and files the initial temporary claim. Since this time I submitted a full claim on each fraudulent item in the bank account and I am being denied the claim ( s ) based upon the date I filed the claim exceeded the Chase time window. How can I file a claim for something I did not have access to see? I did not know of the fraud until I was granted access to the account. Since them Chase has pulled back some of the temporary credits not all of them and will not give me a final decision on the remaining. I feel they are hiding behind the date / time period for submitting the claim and in this case I believe the time requirements should be waived so we can receive our returns and begin to deal with all of the fraud in this account. These fraudulent transaction by Chase representatives and my step father should have been prevented by Chase bank instead it looks like they were permitted by Chase bank. My family is torn apart with the death of my sister and a year later my mother and only to find Chase did not perform due diligence to protect my sisters assets.
I contacted this company a few times over the past years. The original amount of {$95.00} was paid to the dentist and I was insured. They dont have any further records and cant confirm because the dental office closed its doors years ago! Please remove this from my credit report its been over 6years now. Thanks
This will be our XXXX filing with you guys. As of today we have also hired a real estate attorney to represent us in State court. Our loan was originally with XXXX XXXX XXXX with underwriting when it got transferred to BSI. We were told BSI would pick up where they left off and complete our modification. Both my husband and I were previously laid off and fell behind on everything. We were only asking for a recapitalization. No debt to be written off. No decrease in interest rate. We were fortunate enough to find full time jobs again and I ended up making more money then before. We have submitted proof numerous times and they still decline any type of assistance. These people are the rudest most unprofessional people in business I have ever dealt with. There are numerous complaints about them on line and numerous people trying to get a class action law suit started. The only option they give you is foreclosure or short sale. We have been in our home for 18 years and all of our children have been raised there. We have provided proof we can afford even an increase in our house payment. I do n't understand why they would rather someone lose their house then working with them. Along with hiring an attorney today, we have also contacted the state attorney general, HUD and the housing authority. Our home is currently on the market for sale and is n't even released from the bankruptcy that we were forced to file and dismiss multiple time trying to work with BSI. Please investigate this company as they are ruining peoples life. They refuse to work with anyone. I wish our loan would of just stayed with XXXX XXXX XXXX.
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
When  Costco  made the change fro m Amex to Visa,      Citibank issued me a new credit card. I am also a citibank banking customer. I never used my new credit card, except as a costco membership card, I have other visas that I prefer using. T he card was also never added to my online account.     After roughly 9 month s, Citi close d the card, and filed a notice of delinquency. They did not inform me of this, I actually found out via  XXXX  's  credit score m onitoring service, if it had not been for this  Citi would still never have informed me of the charge. I started calling Citi to figure out which account had a notice of delinquency, and when they identified the Costco account, I did n't understand, never having spent money on it. It turned out that I was charged the Costco membership fee ( automatically )  on that card, and was never told about it. By that point my payment was about 6 months late and had an addition  XXXX  dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that citi dealt with this situation poorly.     However, this event has turned out to have a profound impact on my  credit score.  The day it happened it fell by  XXXX  points, and has recovered  XXXX  points in the months since. Working with  Citi has been impossible and they say nothing can be done now. They actually made the claim that since Citi has NEVER misreported credit data, they do n't have a way t o rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.
Credit reporting agencies Transunion, XXXX and XXXX  refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from XXXX, Transunion and XXXX. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!