WillisBack/dataset-financial-user-claim huggingface dataset:
After years of paying this account now the payments are being applied to interest most of the time and this is different from previously.
Also, recently I was issued an insurance check by my insurance company for hail and wind damage ( see attached check ). Wells Fargo asked me to mail the check to them. The first time I sent the check I did not endorse it but sent it overnight express. This was in XXXX 2017. Wells Fargo sent the check back to in regular mail, I endorsed it and sent it back to them express mail overnight again. The check was to me via regular mail, my signature had been stamped Endorsement Cancelled. I thought it was because I had signed twice because I am the POA for my husband nd had to sign as his agent. I deposited the check into an a shared branch of my credit union. The check was put on hold for 7 days. Then I learned it was returned because Wells Fargo had stamped Endorsement Cancelled. When calling Wells Fargo again, about the same check it had been miss-logged and was attached with our other home. Speaking to XXXX I felt as if they did not even believe they had sent the check out a second time. Especially when I asked if they made copies of the front and back of the check. Now they know they made mistakes on the processing of this check which had to be cancelled by the insurance company and reissued. But here I the kicker, Wells Fargo still wanted to hold the new check in an account and issue increments because they were misinformed as to what the claim was truly for. They were working from the standpoint of mold but the check was issued for hail and wind damage. Now we are into over a month of the back and forth with the check and still Wells Fargo Wanted to control the process. It was not until my insurance agent was on the phone and brought out the fact the check was issued for wind and hail that the process was altered. Then Wells Fargo would not allow the check to be issued without their endorsement after all we have been put through on errors made by their staff. This company has taken money from our account, take monthly payments and applying the bulk of the payment to interest versus principle and now this ordeal with the insurance check. They believe after so many errors, they can say you can now take the check into a branch and have them call us and the branch can endorse the check. No one understands how this could have cause us problems because it makes it look as if we were trying to commit fraud because Wells Fargo cancelled our endorsement on the check that was issued by another financial institute issues to my husband and me from premiums paid to our homeowners policy from funds paid by us. I feel it is retaliation because I have filed so many complaints against this company.
Spoke to a rep at Capital one auto finance on XXXX/XXXX/XXXX named XXXX regarding them showing XXXX late payments on my account. I explained that my husband was XXXX XXXX military and he requested this loan be put on allotment. His finance department said it went through and he XXXX to XXXX. Well the allotment did n't go through so I called in to make other arrangements while waiting on the allotment to start. I have been fighting this since XXXX and would greatly appreciate if the late payments can be removed due to him trying to set this up before XXXX our country.
I sent a letter to Diversified Consultants asking them to VALIDATE the debt that they claim I owe. I was sent a bill that not VALIDATION. I would like for Diversified Consultants/XXXX  to remove this account off my credit file. Account number XXXX
I SENT TWO CERTIFIED LETTERS TO CHASE FOR A CREDIT CARD DEBT THAT HAS BEEN REPORTING ON ALL THREE THE MAJOR CREDIT BUREAU 'S. IN THE AMOUNT OF {$10000.00}. THE ACCOUNT NUMBER THEY ARE REPORTING SHOWS AS XXXX. THE FIRST CERTIFIED LETTER ASKING FOR VERFICATION OF MY SGINATURE WAS SIGNED BY CHASE ON XX/XX/18, THE SECOND CERTIFIED LETTER WAS SIGNED FOR ON XX/XX/18. I RECIEVED NOTHING BACK FROM CHASE EXCEPT FOR STATEMENTS, THERE WAS NO VERFICATION OF MY SIGNATURE. THEY DID NOT PUT A DISPUTE NOTE ON MY ACCOUNT WITHIN THE 30 DAY PERIOD AS WELL. ALSO THEY ARE NOT REPORTING THE ENTIRE ACCOUNT NUMBER, ONLY A FEW DIGITS, FOLLOWED BY ASTRICKS/STARS. PLEASE SEE THE FOLLOWING VIOLATIONS BELOW : VIOLATION OF SECTION 609 OF FCRA, SECTION 623 ( A ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICIES ACT SECTION 807 ( 8 ) BY NOT PLACING THE DISCLOSURE WITHIN THAT REQUIRED 30-DAY PERIOD.
My home was bought out by caliber home loans I received a letter that we owed XXXX so when my husband received his SOCIAL security check I mailed XXXX to them then I sold some retirement and mailed another XXXX Then my husband received his va Benefits I mailed another XXXX Logged into their website it showed I owed XXXX today I logged into their site it showed I owed XXXX called them and was told that all my payments were not applied to the loan they were holding XXXX to see how to apply it to the loan and they had not received the other XXXX Caliberhomeloans.com is a rip off
I previously held an internet account with XXXX. My services were held at location # 1. I attempted to have my services moved from location # 1 to location # 1 and was toyed with for about 3 months with XXXX telling me I needed to wait to have services installed. On the 5th month of waiting a representative told me when I called, " We won't be able to install your service ever and we are canceling your account ''. I never heard another word from XXXX. At this point in time I am living at location # 2 and have not been at location # 1 for 5-6 months and had XXXX installed at location # 2. My XXXX equipment was stolen during the move from location # 1 to # 2. XXXX sent a bill for that equipment to location # 1 ( where I had not lived in over 6 months ) when they clearly had an address change on record for location # 2. As I did not know I owed the bill I did not pay it. I have recently had a collections account from Diversified Consultant Inc show up in the amount of {$160.00}. Both companies are refusing to allow me to pay this without it reflecting negatively on my credit, despite the fact that XXXX wrongfully reported the debt to a collections company without giving me a chance to pay the bill and having sent the bill to an address that is not mine. I have repeatedly tried to get XXXX to fix this and can not speak with management from DCI because they yell and are rude and will not let me speak whilst on the phone with them. I feel as if this is unfair practice by XXXXwhich is tainting my credit because they sent the bill to an incorrect address. Multiple times on a recorded line an XXXX representative has told me they can speak with DCI to have a pay for deletion and never followed through with that statment.
XXXX   XXXX   XXXX   " reaged '' an existing debt I had with  XXXX  on a repossessed vehicle. They are showing that the repossession happened this year when it was in fact years ago. I have had no contact with this company, nor have I agreed to pay anything towards this debt so the account legally can not have the clock restarted, so to speak.
In a statement with the date XXXX XXXX, XXXX, i received a letter from the Financial Corporation of America. This is a collection company that is trying to collect funds for XXXX XXXX XXXX. This bill is for my XXXX XXXX XXXX step-daughter that does not live with us. She is a competent adult that we are not responsible for. I provide her insurance through my XXXX and that is the extent of my obligation for her. She saw this medical group on XXXX XXXX, XXXX and never paid her bill in the amount of {XXXX}. I did not know she went to the XXXX nor was I present for the visit. I did not sign any statement of financial responsibility for this visit. I called this company on XXXX XXXX, XXXX and informed representative XXXX that this was not my debt it was XXXX XXXX 's and they have billed me in error. He confirmed with his supervisor, XXXX, that they correct and allow to bill me. They stated that since i am the insurer they will hold me responsible and not take my name off of the bill making me responsible for the balance. I then conferenced in XXXX on the call and she agreed it was her responsibility and not mine. XXXX gave them her current address and phone number. I followed up the following day and talked with XXXX again who told me even though she gave them her information they will still leave my name on the bill. This does not seem legal to me. I am not responsible for her bills or debt she incurs as an adult. I have also reached out to XXXX XXXX XXXX to also see what can be done to remedy this situation. Please contact me if you need any further information from the XXXX XXXX. Thank you
I was contacted by XXXX XXXX regarding a debt. I asked question and he used an abusive and threatening tone. He continued to talk over me when I was asking questions. I then spoke with his supervisor regarding the call. XXXX XXXX was the supervisor I spoke with and he said that there was nothing to discuss and that they have removed me from the system. I do not need the torment and harassment methods that these individuals used to carry out there daily business. please help it is just plane wrong.
I called a couple dozen loan companies to find Refinance rates XX/XX/2015. Not as single company was given my social security number. When I filled out forms I NEVER gave my social security number or authorized any credit checks. Quicken Loans was the ONLY company to run a credit check & they ran a " Hard Credit '' check. I have screen shots from filling out there form that show diffinatively I never gave them my SSN & the form specifically says they are NOT authorized to run a check. On XX/XX/XXXX I saw a " Hard Inquiry '' was run by Quicken Loans. On XXXX XXXX, 2015 I logged on to XXXX ( Quicken loans web site ) to confirm they did not have my SSN. I have a screen shot of the form that shows that they were never given my XXXX. At first they said they ran no credit check. Then they said they ran a check and that I authorized it. Then they deleted me from XXXX and said they did n't run a credit check. In the end they said I ran a credit check and I authorized it. THE SCREEN SHOT PROVES THEY WERE NEVER GIVEN MY SSN. They took the information I provided and STOLE MY SSN and then ran a " Hard Inquiry ''. I reported all this to the credit reporting agency " XXXX XXXX '' and gave them the screen shot proving my SSN was stolen. And the screen shot also says I was not authorizing a credit check!!! XXXX XXXX, which appears to be a branch of Quicken Loans, said I gave " implied concent '' even though the screen shot specifically says the opposite. Quicken Loans stole my SSN. I have provided a list of all the executives I spoke to and there numbers. I tried for over a month to get them to correct it, even sending them the screen shots. They claim now that my MyQL.com account was deleted by accident. This " accidental deletion '' occured on or about XXXX XXXX, 2015. The executives at Quicken Loan are clearly covering this up at the highest level as only they could have there IT person delete me. They deleted me before they were notified by me that I had a screen shot already that proved what they did and that they stole my SSN and ran an unauthorized credit check. Even in the face of this evidence they are now saying I authorized the " hard inquiry ''. I authorized no inquiry of any kind and this is proven by the screen shot. I do n't know for sure how they got my SSN but I suspect that their credit agency, XXXX XXXX, stole it for them and then they used it to run a " Hard Inquiry ''. Again, I inquired with about XXXX dozen other companies at the same time period about their rates thriough online forms and over the phone and not a single other company ran a credit check because I NEVER GIVE OUT MY SSN!!! My fiance, XXXX XXXX, has the screen shot and emails sent to those involved on our home computer and can send the proof right away if you call him at XXXX or you can call me, XXXX XXXX at XXXX and I will have him email you the proof from my email address.
In 2012 I attended XXXX XXXX XXXX college. This balance needs to be forgiven under the condition that this school closed and I am eligible for Closed School Debt Relief. I have spoken with representatives from XXXX XXXX on several occasions in regards to this debt and no one has removed this account from my credit report. This account needs to be updated to a XXXX ( XXXX ) balance and " Paid as agreed '' OR removed completely and permanently from my credit report.
Received notice from XXXX managment and paid {$310.00} for old debt for spouse to remove from credit report so we can purchase a home. They sent the attached letter. They stated they have the debt from XXXX XXXX XXXX who had the debt originally before I found out about it. XXXX is still reporting this debt on both credit reports despite numerous attempts to get them to remove it since the debt was paid in full. 

Either XXXX is a scam and collected on a debt that they did not have access to, or XXXX is refusing to accept the fact that someone else collected on the debt since they would not. The original Creditor was speedy Cash.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
T-mobile renewed my 2 year contract without letting me know, when I just had XXXX months left. Told the manager at the store, and he said he would have it fixed ... its been over XXXX years.
Experian refuses to remove a collection account, even though it has been paid in full. I have repeatedly tried to contact them.
I am being charged for dental work that I did not receive I am also being charged for dental work received that is bad. I returned to the XXXX XXXX XXXX 4 times to have the problem fixed and they did not fix the dental work. They are suppose to have a money back guarantee. Not only that but I am being charged for dental work not received. I am also being charged over {$800.00} in fee and interest. I really need to see a dentist who can help me but I would like to straighten this out first. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
I have been disputing Wells Fargo dealer services with XXXX for the past few months. My last time disputing this item wasXX/XX/XXXX Wells Fargo was supposed to fall of my credit file in XXXX of this year which it hasnt as of yet. My last time disputing this item they marked the account as having a late payment. XXXX has failed to follow the rule of the FCRA and is still reporting this company on my credit and its been over 7 years. XXXX has also allow a few companies to run my credit without my consent or knowledge even though I have a credit freeze on all my accounts.
I have a loan with XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX   XXXX with no successful resolution.XXXX only reporting me late. There was definitely an error on their part. I was never 59 days late.
Good Day to whom it may concern, I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business one of your largest competitors that I am no longer in need of PayPal 's services. 

I have been made aware that the limitation on the account can not be appealed. Although I disagree with the decision to close my account to future business I will abide by it - however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPal 's Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the attorney general of California, as well as the DBO of California in order for them to mediate and decide whether this practice is acceptable in my specific case. Additionally, i am not satisfied with the current response to hold my interest bearing money for 180 days solely at the discretion and best interest of Paypal for monetary benefit and security purposes. 

I understand PayPal 's need for holding funds for credit card chargeback purposes, however due to the sheer amount of customers compared to the rate of claims I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leaving a balance of {$500.00} for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account. 

Should you remain to not release my cleared funds, please provide to me a lawful reason that allows you to hold my money for 180days? I do not wish to wait 180 days nor is this a reasonable amount of time to continue to operate a business in the same manner with cashflow disrupted due to gross negligence and lack of information regarding limitations. Proof of past gross negligence can be seen in XXXX PayPal Inc., XXXX XXXX. XXXX XXXX XXXX XXXX XXXX California XXXX where Plaintiffs allege that PayPal improperly handled disputed transactions on PayPal accounts and improperly placed holds and reserves on accounts or closed or suspended accounts. 

Section 1841 of the state 's Money Transmission Act reads : " Every licensee or its agent shall forward all money received for transmission or give instructions committing equivalent money to the person designated by the customer within 10 days after receiving that money, unless otherwise ordered by his or her customer. '' I am mindful of the Civil Procedure Rules and am seeking a mutually satisfactory settlement of this issue. As a result, I am informing you of my willingness to cooperate in voluntary, non-binding and confidential mediation.
on XX/XX/2018, an XXXX number called posing as the Chase bank. I became a victim of identity theft. Chase bank is saying the charges were actual charges and will not refund the money that was stolen. However, they refunded partial monies, {$30.00}, but not the {$4900.00}. Chase is saying the card was present at the time of transaction. Which was false because I brought my card to the bank shortly after I found out. Chase call center 3 times said this was definitely fraud. But, the Chase fraud department denied the claim 2 times ... even after the call center said this was definite fraud
I obtained a Loan from Santander Consumer 4yrs ago for a car. Now they are telling me that I still owe {$17000.00} for this vechicle and the car is only worth {$2400.00}. I can not afford to continue to pay on a car that is 3 times it 's worth. They are a BIG rip-off. They prey on people who ca n't get a traditional loan and have HIGH Interest rates that will make a person have to pay for a car for the rest of their life. This is not right and they should be investigated for this. I am a retired person who live on a strict income and I can not afford to continue to pay {$550.00} for a XXXX old car.
This last response from XXXX XXXX XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response We are sending the customer a letter advising that we previously sent requests for the inquiries to be updated ; however, to further assist, we reached out to Equifax on his behalf to confirm the inquiry update. We further advised to allow until XX/XX/XXXX for the update to occur. 
DESCRIPTION OF NON-MONETARY RELIEF Credit bureau inquiries changed from hard to soft
On XX/XX/18, I reviewed my updates credit report and noticed that XXXX XXXX, XXXX, is reporting twice on my Experian Credit Repoert. Negative information is reflecting twice which is affecting my credit score. I'm the process of closing in my new home.
I initially took out a loan through Advance America, as I was in dire need at the moment, and I appreciate their fast service. The issue that I have, is that in their company policy it states that within 180 days you 're only able to renew your loan 7 times and then you 're to pay in full. I took this loan out in early to mid XXXX and I pay biweekly, it is now XXXX and for the first time, I was told that I need to pay in full. It was brought to my attention that a buyout was done for me before in XXXX, as I would only have been paying the fees on this XXXX day $ XXXX would be a bit steep. After being informed of the buyout policy, I did a little math and realized that since I never took out another loan, my loan therefore should 've have been terminated in XXXX, meaning that the following payments would have then gone directly to the principal. Later I spoke with the customer comments team, who pushed my concern to the Area Manager, who was very rude about the situation of my mishandling and then suggested that I do what I 've already done, pay more money and continue to pay until the loan is paid off.
transunion is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only  have one n umber that is legit and that is  XXXX   XXXX
my info does not match up with my social security number and i put in all of the correct information in and i still cant access my account
Hello, I submitted a complaint #  XXXX  on  XXXX / XXXX /  XXXX  . Your company FAILED to respond to this complaint within 30 Days. In fact, it is now over 60 Days!     The contents of the complaint are : I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. Th e 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the   sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE.  1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgment 2.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Unknown Judgment 3.  XXXX   XXXX   XXXX / XXXX /  XXXX    XXXX  4.  XXXX   XXXX   XXXX   XXXX  Not  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  over 120 Days  6.   XXXX  's  XXXX   XXXX   XXXX  Not  XXXX  7.  XXXX   XXXX   XXXX  8.   XXXX   XXXX    XXXX   XXXX   XXXX   9 .  XXXX   XXXX   XXXX   XXXX  10.  XXXX    XXXX    XXXX   XXXX  11.  XXXX   XXXX   XXXX   12.   XXXX   XXXX   XXXX  Collection I expect that you will provide verifiable proof as required under the  15 U.S. Code 1681g -  Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!     You have not provided me with any viable proof of ownership. An employee looking at a computer screen and sending me statements is NOT a form of verification per the statute of the FCRA  15 U.S. Code 1681g.      Please remove the above accounts from my credit report forthwith due to your lack of response of 30 Day turnaround.