WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I had previously informed the Trans Union that this account that they have been reporting on behalf of their client was opened in direct result of the theft of my identity : XXXX Reported account number XXXX This account is unknown to me and were opened in result of theft of my identity. The opening of this fraudulent account was reported to the FTC in XX/XX/XXXX under affidavit number XXXX after repeated attempts to delete them via Trans Union in XX/XX/XXXX Trans Union are still reporting it today. 

This will be my last attempt in requesting that Trans Union remove this account from my credit file. Since Trans Union insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and Trans Union have failed to remove it, for this reason I request the assistance of the CFPB.
On XX/XX/XXXX I made a deposit into a checking account with Bank of America for the amount of {$3500.00}. After making the deposit the bank put a 10 business day hold on the check. Going against the Expedited Funds Availability Act of 1987 ( aka Regulation CC or Reg CC https : //www.federalreserve.gov/bankinforeg/regcccg.htm ). It was explained to me with several generic reasons for this. However, each time I speak to someone they will not state the exact reason? So on XX/XX/XXXXI called Bank of America and spoke with XXXX XXXX ( of Texas ; who would not allow me to identify them any other way ) to discuss whats going to happen with my current account seeing it is now negative due to two payments that come out ( XXXX {$1400.00} and XXXX {$210.00} ). It was explained to me that I will now receive not one but 4 ( Non-Sufficient Funds fee ( aka NSF fee ) of {$35.00} ) totaling {$140.00}. Not to mention that I am now late on not one but two of my credit accounts. Each of them are going to charge a NSF fee of {$50.00} ( 2 ) to {$75.00} ( 2 ) totaling ( {$390.00} ) and impacting my credit worthiness ... When speaking to XXXX she explained that this was the banks policy however after investigating this further its not following the law as define in the URL provide above. I spoke with a XXXX XXXX ( this is probably spelt wrong ) from XXXX XXXX ( where the check was drawn on ) on that transaction of the check and it was presented to the bank as an ACH and with a return answer of funds available on XX/XX/XXXX and delivered XX/XX/XXXX at XXXX   as a completed transaction with no issues or fraud risks.

This is an unfair practice as checks are now delivered via Automated Clearing House also known as ACH ( https : //fiscal.treasury.gov/fsservices/instit/pmt/ach/ach_home.htm ). The past reason for these long holds was due to the fact of horse and buggy delivering or presenting check from bank to bank for the exchange of physical monies for each account. My account has always had large deposits, some via cash ( because I have to cash my check prior to depositing to prevent the long holds that BofA is doing ) or Direct Deposit. I have also made other deposits via check and normally will get the first {$200.00} available with a reasonable hold time. However, this time and every time I have tried to present my payroll check to this bank theyre always wanting to put an extended long hold. However, after the several excuse that was explained to me by XXXX ( new account, previously deposited bounced checks, or previously deposited checks from that account ( XXXX XXXX ) that were returned ) and speaking to XXXX ; the XXXX   account from which the check was drawn from has never had a bounced check nor has been reported to check systems.

I find this to be appalling and do not feel this is fair or just. It to me appears as if the bank is trying to capitalize on this situation and damage my credit and credit history. I need help in this matter as it is now a financial and credit impact on me.
1. DID WELLS FARGO FORECLOSE ON A SECOND.MORTGAGE? 
2. Was there a second mortgage on my property at XXXX XXXX? 
3. Was the Wells Fargo loan a second mortgage? 
4. Did this loan pay off the previous loan with XXXX - WITH Their MONEY? 
I Want the TRUTH IN LENDING DISCLOSURE SETTLEMENT STATEMENT and PAY HISTORY forwarded to the CFPB. 

5. DID THEY ( XXXX ) USE MY MONEY TO PAY OFF THE BUYER 'S MORTGAGE OF {$91000.00}? 
6. WHY WAS THE MODIFICATION DENIED BY FANNIE MAE? 
7. Were we paying PRIVATE mortgage insurance? 
8. Why did Wells Fargo return XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments? 
9. Why did Wells Fargo return our modification payments? 

WHY/HOW DID THEY FORECLOSE MY PROPERTY?
Upon checking my credit report there is an account that has been placed in collection on my report that I have no idea what it is. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account does not belong to me and the only Bureau this is reporting to in Experian.
An autopayment for the minimum amount due was paid on XX/XX/XXXX, on XX/XX/XXXX I paid the rest of the balance in full. When i checked to confirm, capital one added another {$190.00} in interest charges. I called XX/XX/XXXX to dispute, no ther cards added interest after i paid them in full, and they stated nothing they can do
i applied for a small business loan they deposited stolen checks into my personal account. Thus causing my checking account to overdraft. Both checks came from different institutes and were invalid.
I am a parent that agreed to consign my child 's student loan. My daughter has not worked in over a year. I make a monthly payment however, it 's not the payment amount that the company want me to pay. I have my debt responsibilities to maintain. As a result of me only paying between $ XXXX {$60.00} dollars monthly, my credit score took a hard hit. I received between 5-8 calls daily from Navient. I hit the ceiling when they told me that I had {$10000.00} available on a credit card and why ca n't I make a payment with this card. They did n't say the name of the card but I knew what card they were referring to. The customer representative has said this to me the months of XXXX, XXXX ( XXXX ) and XXXX XXXX. These people continually threaten me with court action and that they will have my salary garnished and any tax returns garnished. I have always had a high credit score however, as a result of me only making the small monthly payment, my credit score has plummeted. They say that they want to work with me, I keep telling them that I ca n't make a higher payment. I have my bills to pay as well as my living and commuting expenses. I refuse to give them my salary information. This seems to anger them. They even ask me if I have someone else helping me with my expenses ( I do n't ) I live paycheck to paycheck frugally. These people also dislike it when I tell them to review the recording on past months. I tell them the same thing over and over again. As I previously stated, I make a small payment monthly, I ca n't go any higher, I need to maintain my bills and living expenses. I can not afford an attorney. Navient is wrong, I feel, looking at my credit report and saying that they see that I maintain my bills but refuse to pay them. When I say that I ca n't make a higher payment then they say " so you 're refusing to make a payment ". I have told them that they are twisting and playing on words by saying this. This happens every month. My daughter hopes to start a new job in a few weeks. She is very timid. She cries when these people talk to her so now she wo n't talk at all to them. Once she starts working, she will make her payments. The payments will not be the payments that Navient want ( she too will have living expenses ) but payments will be made. Thank you
COLLECTOR KEPT CALLING MY FAMILY AND AT WORK 16 TIMES IN 30 DAYS AND BILLING FOR A DEBT NOT MINE.
A credit card was placed for collections with XXXX XXXX XXXX. The matter was set for a hearing in XXXX County Circuit Court ( Case # XXXX ). Prior to the hearing, I contacted XXXX and we reached a settlement in the amount of {$750.00}. Two payments were to be deducted from my account on XXXX XXXX and XXXX XXXX, 2016. XXXX agreed to dismiss the case pursuant to the settlement. The payments were made and the case was not dismissed. I filed a motion to vacate the judgment. I also contacted XXXX and was advised that the attorney handling the case had made notations in the file that the case had been settled. My credit score has dropped with all three bureaus because the public record of a judgment has been reported. I also moved and now will have to travel 2 1/2 hours for a hearing that is unnecessary. I have fulfilled my end of the settlement terms and XXXX has breached the settlement agreement to my detriment. I am pretty sure that I was denied an apartment w/o a co-signer as well as may have my pending refinance application for my vehicle denied because of the erroneous reporting of the public record.
On XX/XX/2017 I received an alert that my Credit report had changed. Hard inquiries were removed from Transunion and XXXX accounts were deleted. I then noticed they were put back on without any notification by letter or email. I have made several calls to the Credit Bureau and still no assistance. I did take screen shots showing them took off and put back on. This caused my score to drop and a denial for a new car purchase. I just want them removed off.
XXXX of XXXX Wells Fargo, Home preservation ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Partial account number is XXXX XXXX XXXX, 2016 XXXX XXXX, 2016 called at XXXX again I can not believe that this gentleman from your company is still calling me at the hours that I told him I was at work. I am for certain that he is sabotaging me and setting me up to be be homeless. Between the lies he told on me and not respecting my request of times that I 'm home to receive his phone calls and yes I have returned his calls and he never is available to answer his phone directly. He has called again at XXXX PM knowing good and well that I am at work. He ( XXXX ) told me that he starts work at XXXX I understand that it is XXXX time in about two or so hour difference however he could have called at an earlier hour. Please know that I have documented every call that comes into this house via caller ID and I have a log phone conversation record of every phone call that has been made to me from your company. I think it maybe time to find an attorney who will represent me pro bono ( because of my financial challenges and not being able to pay an attorney out right ), to be able to sue you ( Wells Fargo and XXXX XXXX ) not only for stress that you have brought upon me, ( That has changed my life drastically and made health issues appear that I have never had before ), making it hard for me to hold down the necessary jobs to be able to take care of myself financially through this process, but for unfairly treating me as as though I was some kind of XXXX female incompetent dummy. Maybe a lawsuit and attorney can help me get you to be a person of your word and stick by what you said you would do in finding a appraisal agent that can represent both parties. Ironically today I received a phone call from a previous client that I recommended to Wells Fargo to get their mortgage in the past as they are real estate agent and they are having the same identical problems as an XXXX family, and I will be helping them in whatever way I can, sharing all of the experiences that I have went through with your company. I see why your company has so many legal issues currently because of the service that you render to innocent person.
Dear CFPB, Thank you for handling my complaint with Wells Fargo. My complaint # XXXX and after submitting my complaint, I sent a letter to you to add to my file. I see that it did not get added so basically this is what WF replied. 
I had a 30 year loan with 11 years of payment history. My son has been handling this as I have been ill so this is what WF came up with and I believe that this " modifacation '' is not what the HAMP program was thinking of ... but leave it to WF to figure out a way to get them more money and me further in the hole. 
They modified my loan as this : They extended my loan to add another 10 years to it with the same 5.6 % rate and a reduction of my payment from {$1500.00} to {$1400.00}. 
I hope that you will see that only WF is gaining from this modifacation. By extending my loan out another 10 years, my loan will never get repaid as it will take me another 11 years ( or more ) to get the interest paid down before I will actually be paying on loan, not the interest. 
I do n't believe this is what the HAMP program had intended and because WF is in control of the modifacation and likes it this way, this is the only modifacation they are offering. I have no recourse. 

My son signed me up for it, but I am protesting this loan and need your help to get this rectified. 
Since this has happened, and my loan payment is still pretty high, I have been unable to make my credit card payment and my credit score is now in the poor range. I will never be able to requalify for a new loan, so I need them to go back to my 2015 paperwork and use that and not request new credit info. 
I actually believe my only way of receiving any assistance is to take them to court. 
Please, if you can help me CFPB ... I would be truly thankful. 
Best regards, XXXX
During the loan period on a vehicle I purchased from XXXX of XXXX XXXX, XXXX ; I was making scheduled payments on time with auto-pay through a debit card recommended by Social Security Administration. At one point in the payment period of the loan the finance company ( Universal Acceptance Corporation of XXXX XXXX ) attempted to withdraw two payments for the same month without success. They called about every other day demanding I pay the extra payment. When I refused to do that they repossessed the vehicle and charged me X amount of dollars in penalties and unpaid loan amount after the vehicle was sold by them and when that was not paid, reported the account to the credit bureaus with erroneous/incorrect payment history information which had an even more negative influence on my credit rating.
my credit was ran in order to obtain a loan however there was an issue with my documents and they had to be manually inputted and someone would contact me with a decision this lasted a couple of weeks causing my application to expire so in effect my credit was ran for no reason
XXXX  has been non-compliant with removing the unverified account SANTANDER CONSUMER USA XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SANTANDER CONSUMER USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Experian has our XX/XX/2018 mortgage status listed as 30 days late, however, it should be current status since we paid on time.
Been monitoring my credit report as I came across to see all my credit inquiry 's were removed and put back on
Back in XX/XX/XXXX company responded to complaint and said they would have item deleted off credit reports it has yet to be submitted to credit bureaus as I have already called and verified this with the bureaus. 

See attached documentation ... 

The only proof that they have supplied is statements from original creditor which is not Validation of a debt owed
I keep receiving a denial for the Amazon.com visa signature card, which i have not applied for. I think it might be showing on my XXXX report. its probably hurting my application for a home equity line
I am aware that you may have totally disregarded my letters or have failed to carefully review my letter due to the high volume of requests EQUIFAX receives daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
I am aware that you may have misplaced my letters ; tossed my letter to the trash can ; or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily OR SIMPLY better yet EQUIFAX does not have a suitable person on staff that can read letters in ENGLISH!! If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : Please investigate these three inaccuracies appearing on my credit report Public Records as there are DUPLICATES and remove at least two of the three PREFERABLY remove all three since XX/XX/XXXX expired on XX/XX/XXXX ( per FCRA - XXXX shall only be reported for up to Seven Years ) See Excerpt on next page : BANKRUPTCY DISMISSED XXXX Reference XXXX Filing Date : XX/XX/XXXX BANKRUPTCY DISMISSED XXXX Reference XXXX Filing Date : XX/XX/XXXX BANKRUPTCY DISMISSED XXXX Reference XXXX Filing Date : XX/XX/XXXX Please attached copy of Petition XXXX and Petition XXXX which were filed under the Original Cause No. XXXX requesting permission to sell properties protected by the Bankruptcy ( which was granted AND sold ). 
The perception EQUIFAX Credit Reporting indicates that I filed Bankruptcy three different era when I fact only I file Bankruptcy once in XX/XX/XXXX, not three times as being indicated on EQUIFAX Credit File! 
If my claim above is disputed by the Bankruptcy Court, please provide me with a copy of any viable evidence s ( submitted by the Court ) so that I may elevate this matter with Consumer Financial Protection Bureau ( CFPB ). Otherwise, please delete all three very old account from my Credit File ( beyond Seven Years Limit ). 
I trust XXXX will avoid perceptions of acting in bad faith, and will continue to comply with the Federal Trade Commission ( see 15 USC 41, et seq. ).
My name is XXXX XXXX, I have a property with Wells Fargo that I purchased with my I.T.I.N number and currently have a short sale offer for. In the past I applied many times for a loan modification but Wells Fargo never granted a modification ; Wells Fargo stated I was not eligible due to social security not matching, so continued to foreclose against me. How is it Wells Fargo allows me to purchase the property but will not allow me a work out option due to my I.T.I.N not matching? 
I decided to list my property for a short sale instead of having to go through a foreclosure. Once a submitted an offer, Wells Fargo suspended foreclosure against me on XX/XX/XXXX. In the final stages of the short sale review, XX/XX/XXXX, I was informed that the short sale buyer needed to submit bank statements to Wells Fargo by Sunday XX/XX/XXXX and Tuesday, XX/XX/XXXX, XXXX XXXX. I contacted him and he was out of town the rest of that weekend until XX/XX/XXXX. Then I contacted Wells Fargo, per XXXX ID # XXXX, I asked him if they would give us more time since the realtors office was closed ; he said to fax them in soon as possible. 
On XX/XX/XXXX the bank statements were faxed. The next day I called Wells Fargo to follow up and they told me the file was closed. When I asked why they said because they received the bank statements on XX/XX/XXXX instead of due date XX/XX/XXXX, XXXX XXXX. 
I pleaded with them and they still refused to continue the review for short sale. Shortly after my home was sold the same day I filed bankruptcy CH XXXX. 
For several months I worked on getting my home back from Wells Fargo, until finally I was granted on XX/XX/XXXX to stay in my home and work towards that short sale. I called Wells Fargo, customer care recovery, to start the process again but I was told it would take until XX/XX/XXXX for them to have an update on the rescission. I attached a letter with the same update. 
On XX/XX/XXXX, I sent the new short sale cash offer for review, I also attached to this letter for proof. On XX/XX/XXXX, I called Wells Fargo for an update on the short sale review, per XXXX ID # : XXXX, informed me that a letter was sent with stating documents were needed to continue the short sale review. I requested the letter to be emailed to my realtor but what we received were no way near asking for documents ( attached proof ). 
On XX/XX/XXXX I was informed by XXXX ID # : XXXX that I had a scheduled auction sale date for XX/XX/XXXX. 
On XX/XX/XXXX per XXXX, did not see any new notes on short sale review then she transferred to the re-entry team, per XXXX he said I was not eligible for a short sale review due to the sale date being so close! I do not understand why my file would be ignored if they had the short sale offer since XX/XX/XXXX.
I got the Wells Fargo Cash Wise VISA Platinum card and then used it ... When I went to pay the bill it said nothing due. Then they charged me a XXXX late charge. I just opened the account. When I tried to get someone on the phone I called the XXXX XXXX XXXX. On this line they keep trying to sell you things ... saying I qualify for something free and to click this number. 

I do not click any number and I get another sales of a free trip to somewhere. When I do not click that it says I qualify for {$100.00} .... When I do not click that I get a message to hang up now. 

There is no way around the sales pitches ... I am just trying to pay my bill and I should not have to go through all this sales stuff to accomplish that.
On XX/XX/XXXX I contacted my mortgage lender Bank of America to automatically withdrawal my house payment of {$4200.00} on XX/XX/XXXX from my XXXX checking account prior to my mortgage becoming 120 days late. I let them know I want to stay within the 120 minimum day rule, in accordance to the law, 12 C.F.R. Section 1204.41 ( f ) which became effective XX/XX/XXXX. I am making this complaint due the fact that nothing has come out of my account and nothing is pending. I am currently in review for a loan modification that they are stalling asking for documentation that is irrelevant in hopes to deny me. They are asking for me to show a deposit in my bank statements ( which they already have ) of a cash bonus that I received or a canceled check of that bonus, knowingly that is NOT possible when they have my bank statements during that time frame of receiving that bonus. Bank of America once AGAIN is trying to find ways of how to deny eligible applicants for a loan modification, struggling to keep their homes. I have been trying to get a loan modification since XX/XX/XXXX.
My complaint is in reference to a complaint I submitted with CFPB in the past ( # XXXX ), my home was wrongfully foreclosed upon in 2010. Due to this situation, I have received XXXX settlement and have been recently notified to receive another settlement by the Georgia Department of Law. 
I would like to have the foreclosures removed from my credit report.