WillisBack/dataset-financial-user-claim huggingface dataset:
Everhome who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the XXXX of 2017 all payment went through XXXX XXXX  as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially 2017 in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information
My fiancee and I have a joint mortgage that we got through Wells Fargo Home Mortgage. A condition of getting this mortgage was enabling auto-debit, so our mortgage payments are automatically taken out of our bank account every month. 

During the month of XXXX, my fiancee and I opened a joint checking account. We updated our bank account information in Wells Fargo online banking. At no point did I see an option to enable or disable auto-debit, and at no point was I ever warned that auto-debit would be disabled. When looking over my bank statement at the end of the month, I realized that no mortgage payment was taken out of my account. I logged in to see that I had my XX/XX/XXXX payment >30 days past due and my XX/XX/XXXX payment several days past due. 

I called Wells Fargo, who informed me that when you switch checking accounts, you need to call them to have them manually re-enable auto debit. I was not warned of this at any point during the process. Wells Fargo also assured me that this wouldn't be reported to any of the credit reporting agencies. I made both payments and I am current on my mortgage. 

During the 30+ days my mortgage was past due, Wells Fargo made no attempt to call me, email me, or send me a letter to let me know I was past due on my mortgage. They did, during that very period of time, call me to offer me credit cards, deposit accounts, and investment services. 

2 days later I received a notice from XXXX that my credit score had dropped from the mid-700 's ( pristine credit ) to XXXX because I was delinquent on my mortgage. I have called Wells Fargo several times over the past three weeks and have been told " well, I don't know what you want us to do ''. They also said that they had no phone number for me. No phone number ... .the same bank that called me not 1 week prior to say " because you have been a great customer of Wells Fargo Mortgage , we would like to offer you a special rate on a credit card! '' I have spent a lifetime making debt payments on time. Not one blemish, not one late payment, not one single reason to think I am anything short of being as creditworthy as the US government. My fiancee and I make over {$300000.00} a year combined. These payments are literally no trouble at all for us to make. I need Wells Fargo to remedy this situation, which was entirely their fault.
I took out a RE secured NOW Account with Wells Fargo Financial Services after being asked to close XXXX times on the loan because information needed to be changed. In XXXX 2007 I wa forced to file Chapter XXXX which then converted to Chapter XXXX. Years later Wells Fargo reported the discharged RE Secured Card on my credit report as in a late status. Finally got Wells Fargo to remove the reporting with I have been told violated my FCRA rights and I suspect US Bankruptcy Laws. I pay them Principal payments since Chapter XXXX. Can not get statements or other information. Tell me the loan has been charged off and is not in their loan account systems. Recently read about WFFS consent order. Tell me my loan not included. Suspect these BK Loans charged off and tracked off system were never examined
Identity Theft XX/XX/XXXX someone opened an auto loan in my name under XXXX XXXX and now its in collection. closed XX/XX/XXXX XXXX XXXX  hi balance of XXXX   closed XX/XX/XXXX is not mine XXXX XXXX opened XX/XX/XXXX someone used my ssn for this account. not mine. this account closed on XX/XX/XXXX XXXX XXXX XXXX this account went to collection. opened XX/XX/XXXX. not mine XXXX opened XX/XX/XXXX. not my account closed XX/XX/XXXX XXXX XXXX XXXX   opened XX/XX/XXXX balance XXXX  is not my account MAJR FINANCIAL CORPO showing as a charge off. this is not my account Bankruptcy XX/XX/XXXX error. not mine
I had XXXX collections on on my Transunion report removed then they added them back on without telling me they were going to do that. I cant look at my XXXX report but I believe they added them back on to report also. I have a screenshot of the removal and then the replacing back on.
To whom it may concern ; I am currently writing you for the horrible service I receive from a mortgage loan officer XXXX XXXX. I filled out an application in regards to a mortgage and just general information because I do n't know much about the different types of mortgages and based on the service I decided I am definitely not getting a mortgage with Bank of America ( who 's service I usually like ) but now also now thinking of withdrawing all my accounts/products from BOA. I 'm writing this because honestly I 'm about to purchase XXXX of the biggest things in my life and your company treats people like garbage, rudely pushing people off the phone and acting like any other big bank push wanting another customer and money in the end I just hope your company does n't treat anymore like this. Thank you for your time. 

XXXX
XXXX XXXX XXXX of XXXX, Tx sold my debt to a collector. I had payments set up to be auto drafted from my bank debit card. My bank closed the card and sent me a new XXXX. I tried to online and change my information and pay my bill. It would not allow me too. I did not receive a call from XXXX XXXX XXXX stating that they had issues with my automated payment that I set up on their website. This was done after I questioned the bill. I believe I was XXXX charged for my deductible. I sustained a XXXX XXXX XXXX shortly after and have received numerous automated calls from the debt collector on my cell phone. I received XXXX call prior to my accident and calls while in the hospital. A total of XXXX calls. It is my understanding that the law does not allow automated calls by debt collectors to a cell phone without permission. I was XXXX in the hospital. 

The debt collector is Central Financial Control located in XXXX, AL. They threatened further collection activities ( Not sure what that means ) The amount is for {$320.00}
On XX/XX/2018 I wrote to XXXX/XXXX in regards to them saying I owe them {$2000.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX/XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately.
Santander Bank has not settle Civil terms of XXXX Mortgage .Santander has failed to validate XXXX mortgage debt, as stated in a letter Sent from Santander Bank , Santander Banks has failed to validate XXXX Mortgage by not submitting the banks license to collect a debt in PA and Santander Banks has failed to validate, XXXX Mortgage by also not submitting its OMB control number, under the Paper Reduction act of 1995. XXXX
This complaint is in regards to My  XXXX  Store card. I received a letter in the mail that my  XXXX  store card was closed due to non-payment of a {$35.00} balance. The card is issued by Wells Fargo Bank. I contacted the bank and spoke with account specialist   XXXX   in the collection department. I informed the representative that I did not receive a monthly bill as I always do and why did it take 3 months for the bank to notify Me of the past due amount.
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I was told that my account was switched to electronic statements and the representative told me that there is no notes in the system to indicate that the customer ( Me ) requested electronic statements. Now Wells Fargo Bank is asking me to pay late fees and interest of {$130.00} for a balance that was {$35.00}. This is very disturbing to me, I have always paid my bill faithfully and this bank wants to rob me of my hard earn dollars.
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The representative removed one late fee and I went ahead and paid the {$100.00} because I did not want this to ruin my good credit history because of a {$35.00} dispute. No company should be allowed to deceive any consumers in this way, if the consumer did not request electronic statements then no company should not be allowed to get away with doing these things.
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If Wells Fargo bank did not received my payment of {$35.00} and I have always paid on time, perhaps a letter and a phone call would 've been more appropriate to send immediately to the consumer but no they did not do anything until interest and late fees racked up. This is shameful and bad business practice on their part and I would truly appreciate if you could look into this matter further. Thank you for your time.
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Sincerely
I just requested a copy of my credit report to verify how everything looks as I am planning on changing my vehicle and noticed my credit score dropped more than XXXX points. I am completely frustrated and concerned about this situation. My credit report reflects XXXX collections and I have NEVER received a notification on any of them. This Collections company never executed XXXX. Validation of debts per it is required by the FTC. 
the Collections Companies are : 1 ) GOLD KEY CREDIT INC ; and 2 ) XXXX XXXX XXXX XXXX I must report a predatory action coming from this companies as I understand they are perfectly aware of this 30-day. I have excellent credit, no late payments in more than 6 yrs and now I have this companies doing this illegal action. 

I need this items to be removed from my credit report and also need evidence of what is this collections for.
XXXX XXXX, XXXX I paid my XXXX over the amount that was due. I ended up calling XXXX to refund the money back to my account in which they did. I look at my account today and see that American Express Serve is holding the amount that was taking out of my account. They keep sayings its there policy but numerous times I have received refunds in a timely matter. They state its due to the amount but its my money and I should not have to wait XXXX days to receive my own money back especially when I have bills to pay. This company continued to mislead customers and its not fair one bit.
Background- as a precaution to the security breach by XXXX , and my husband 's identify being compromised. I put a freeze on all three credit reporting agencies in XX/XX/2018. On XX/XX/2018, I wanted to lift the freeze temporarily as my husband and I are buying a house and needed to have credit pulled. I successfully completed the temporary lift with XXXX and XXXX both online or over the phone on XX/XX/2018. I called Transunion after I attempted to go online but could not remember my XXXX pin. I spoke to three individuals about what alternatives they had in place other than requesting a new pin ( 3-5 business days ) by mail. I had to repeat my story three times. Two individuals asked me to guess what the pin was by giving them what I believed was my pin #. I was told by all three they could not give a new pin over the phone. I offered to verify past information on my credit report or give other specific identifying information. The last person I spoke with was XXXX ( no last name ) in " Special Handling ''. He offered that I could write a letter stating I forgot my pin, provide a copy of ID ( GA Driver 's License ), state the time period I would like the lift, and then provide my payment information, but he could not guarantee this request would be completed today. He said I would need to fax it over to XXXX. I repeated back the information and confirmed the fax number. The fax number was not correct and I had no way to call back XXXX directly. He didn't give his full name or his number. No one seemed concerned about asking me for my pin # over the phone and how not secure that request was but of course as XXXX said, he wouldn't want to go to jail over using my pin so I should assume the two other individuals who had version of my pin felt the same. I understand the need to protect consumers but when Transunion takes steps to protect consumers they also need alternatives that address the consumers needs who are honest and forthright. Transunion is only concerned about its company, not about instituting better procedures and protection. I spent over 2 hours on the phone stating my story to three people and not one person had a solution that worked. Extremely frustrating!
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
XXXX XXXX sold my alleged debt to a collection company. I was forced to settle the account to protect my credit. When XXXX sold me their cell service the representative told me that I could make toll free calls to XXXX. I relied on this and spoke to family in XXXX extensively and was charged over {$1000.00} for the month. When I attempted to contest the charges with XXXX I was given the run around and treated " like a criminal ''. I was promised adjustments and an investigation but instead my account was sold to a collection company. I was forced to settle with the collection company as the debt was interfering with my ability to obtain new credit.
I was expecting my Direct deposit today Friday XX/XX/XXXXbut it was not in my account at Simple Bank ( BBVA compass ) i verified with my employer that they sent it and it was to the correct account number. I called Simple customer service and they could not give me a turn around time of when it will be resolved. When i asked for a manager i was told that the manager cant help me either but went on to pur me on hold for 45 mins. I read online that this happens a lot with Simple. Pls help. The amount of my deposit missing is {$300.00}
I sent a piece of certified mail to BANK OF AMERICA on   XXXX   XXXX  , 2017 and it was received by BANK OF AMERICA on   XXXX   XXXX  , 2017.. This demand letter for specific validation was never responded back to within 30 days of receipt of my certified letter. BANK OF AMERICA is in violation of my rights under the FAIR DEBT COLLECTION PRACTICES ACT. I then sent a certified letter back to BANK OF AMERICA on   XXXX   XXXX  , 2017 and it was received on   XXXX   XXXX  ,2017 informing them that they did not respond back to my direct validation dispute and they are required to remove this from my credit immediately. Currently BANK OF AMERICA is still on my credit and they will need to remove this trade line from my credit immediately.
I work as an XXXX XXXX XXXX XXXX for my daugther, who was in the Intensive care unit at XXXX XXXX XXXX in XXXX XXXX in XX/XX/XXXX. When my daughter is hospitalized I do not get paid. After being in the hospital for a month I signed an Opp loan for {$2600.00}. From XX/XX/XXXX to XX/XX/XXXX I have paid them over {$3600.00}. Today they tell me that I owe them {$2800.00}. I just made a payment for {$210.00} That I am placing a Stop payment on. I was never told the INTEREST RATE OF 160 % THAT IS ACTUALLY OVER 430 % APR.
On XXXX XXXX 2016 at XXXX XXXX there was a call place to XXXX, XXXX XXXX XXXX, XXXX in regards to my account according to the caller they spoke with an employee by the name of XXXX, she proceeded to disclose information in regards to my account such as the beginning balance to how much is left the amount paid in and the last payment received without verifying the identity of the caller, when ask their company procedure when verifying the consumer befor releasing information she stated the caller said their name and according to the FDCPA she has violated the third party disclosure act. I am currently employed as a debt collector and know that puts not only the debt collector as well and the employers in financial risks.. so if at all possible can u direct me to whom or where I can go to seek monetary fines in relation to this violation.
I received a settlement agreement from XXXX XXXX XXXX XXXX XXXX for a debt with Nissan Motor Acceptance Corp. When I spoke to a representative from XXXX, they confirmed that if I paid the settlement amount the account would be considered paid in full and removed from my credit report. I paid the amount on XX/XX/XXXX but I received a letter from Nissan Motor Acceptance Corp that I had to pay another {$180.00} and as of today, the account still shows on my credit report. I would like the account removed as promised.
This morning my bank account was frozen by XXXX XXXX, every XXXX was removed without any prior knowledge. When I went to see what this was on behalf of I was told there was a personal judgment as well as a lein to my property. I have never been served any papers from a court on behalf of a hearing or a judgment. No one is able to provide me this proof of service or information about the debt. Was only told it was for 2011 and now is at over {$15000.00}.
I have been disputing this debt on my credit report because XXXX XXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX, which I have submitted court documents and pictures, have reported the incorrect information to the Credit Bureaus. Under the FCRA, it states that if any of the consumer 's information in not 100 % accurate, then by law the credit bureaus are under obligation to investigate it and remove that item ( s ) from that consumer credit file. I have disputed this for over 3 years, with no success. I have submitted documentation to the credit bureaus from the creditors stating my position and they still will not remove these items from my credit file. On XX/XX/2018, I sent in documentation, then again on XX/XX/2018. I have just recently sent more documentation in around XX/XX/2018. The only results I am getting is the items are being updated on my credit file. I have received correspondence from the creditors saying that they have no identifiable information in their system on me. I have even called the creditors and was not able to speak anyone and I also left messages, but received no return calls.
I went on a cruise wi th Carnival Cruise Lines fir st week of  XXXX   2016 .   I used my personal master card tied into my room number and no other cards were permissible for use.   In  XXXX , I received a  letter from a collection agency stating I owe Carnival world Mastercard {$600.00}. I called Carnival Cruise Lines and dispu ted my claim to not owning a Carnival Mastercard. They stated that there was a mix up and would look into the problem.   In  XXXX  I received another letter from  XXXX   XXXX   XXXX  - Creditor :  Barclays Bank Deleware stating  I owe  XXXX  with several pages o f Carnival World Mastercard State ment. It had my name with another address which was not found as a working address. I first called  XXXX  collections agency and spoke to  XXXX   XXXX . He said there w as nothing he could do with the charged that I would have to contact Carnival World Mastercard. I called the Carnival Maste rCard company and spoke to  XXXX   XXXX  about the issue. I explained that I had previously called and was told it would be handled. She told me she could not do anything to contact the collections agency. I proceeded to tell her that I was directed to call her company. I gave her all of my personal information to check for any open accou nts. Explaining to her that the mailing address was incorrect on the Carnival World Mastercard    bill I received only the second time I was contacted by  XXXX   XXXX  agency. The bill not only has my name without my correct address, it is not clear on what the charges are for. It states Fun points ending balance and h  as 10 pages of the statement that does not give any clear information.
This is a bogus statement put in my name in order to attempt to r  eceive funds.
Today I contacted Central Credit Services LLC and informed that the debt in question had been charged off XX/XX/XXXX.I do not see this debt even listed on my credit report as well as no public record. I was originally taken to court XX/XX/XXXX and because I was on ssi the bank wrote the original debt off.