WillisBack/dataset-financial-user-claim huggingface dataset:
I have inquiries on my credit report on equIfax that does not belong to me from XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX and ive reported this to them on numerous occasions as well as sent in police reports and they refuse to take them off. I also have and XXXX/XXXX account on my XXXX in the amount of {$1400.00} that does not belong to me and is showing that is a late payment from XX/XX/XXXX.
I contacted equifax regarding multiple Hard Inquiries that did not belong to me, the representative and I went through all of the the inquiries that did not belong to me and she insisted they should be deleted within 30 days and they are still on my credit report
XXXX XXXX, XXXX entered into a contract with XXXX XXXX XXXX and her bank U.S. Bank. XXXX XXXX 's home sustained flood damage in which her insurance company paid for the repairs and the funds were held by her mortgage company U.S. Bank in their Loss Draft Department to be disbursed to the contractor of record " XXXX XXXX ''. 
XXXX XXXX relinquished all rights to the funds so that U.S. Bank 's Loss Draft Department could pay the contractor directly and signed a direct pay, work authorization and authority to discuss all matters of the loss with U.S. Bank. XXXX XXXX then provided all required documents, Lien waivers and contracts to the Loss Draft Department of U.S. Bank and was approved as the Contractor of record. U.S. Bank released a first draw payable only to XXXX XXXX to start the repairs on X/XX/2017 in the amount of {$40000.00}. Following an inspection by U.S. Bank another draw was released payable only to XXXX XXXX in the amount of {$31000.00} on X/XX/2017. 
According to U.S. Bank a contractor can request a final inspection when 100 % of the structural and 90 % of non-structural are completed. At that point XXXX XXXX requested a final inspection in which U.S. Bank approved 95 % complete and issued a check in the amount of {$22000.00}. We confirmed the Loss Draft Department of U.S. Bank had issued a check made payable only to XXXX XXXX and that the check was mailed. XXXX XXXX received the check as did with the others but instead of contacting XXXX to pick up the check XXXX XXXX noticed a " note '' on the bottom of a letter from U.S. Bank that was attached to our check that stated ; " Contractor ( s ) can be removed from disbursements checks if paid receipt ( s ) are " RECEIVED and VERIFIED '' She then contacted the Loss Draft Department of U.S. Bank and stated that she had paid XXXX XXXX in full and requested the the check be re-issued to her alone. U.S. Bank took XXXX XXXX 's word and a copy of a {$7500.00} check that she had paid to XXXX for the gutting of her home and without doing there due-diligence and VERIFYING with XXXX XXXX that this information was accurate and correct and that XXXX was paid in Full they re-issued the check to XXXX XXXX XXXX. 

After a week had passed and no check was received we contacted U.S. Banks Loss Draft Department and we were informed what they had done, After two days of conversations with the supervisor of the Loss Draft Department of U.S. Bank, we were told they consulted with there legal department and that although they understood that we had not paid in full by XXXX XXXX, and that U.S. Bank was still in possession of {$9200.00} of the insurance proceeds, there was nothing they could do. Then they informed us that they were releasing the remaining balance and they would make sure XXXX 's name was on the check along with XXXX XXXX XXXX 's name. They then stated that they would send the check out immediately and that once that was done they would no longer speak with XXXX XXXX. That is exactly what they did! 
Please find attached all of the documents that were signed by XXXX XXXX and sent to U.S. Bank along with the letter stating that a contractor can be removed.
I have repeatedly stated that this is NOT my debt yet I have not been provided any information as to why they think it is mine. This is in connection with a debt for a " XXXX XXXX XXXX ''. I have never gone to an XXXX since living in XXXX. This is NOT my debt. I am asking for the last time that I be provided information / signature, SOMETHING that makes them think this is mine. I am prepared to file this with an attorney and sue for damages as well. I need to hear a resolution back by XXXX XXXX, 2016.
I have had a monumental problem with Wells Fargo student loans. I have had these to loans under a single loan for years. Since I 've recieved these loans they have been running my money in ways that cause me late fees. Every. Single. Time. I send in my money every month and they put it in XXXX of my loans and never the other therefore I 've paid well into the Thousands of dollars so far. I have complained numerous times even multiple times a month to have this issue fixed and all that 's happened is me paying more unjustified fees on the simplest of transactions. I actually OVERPAY monthly to pay off my debt faster and yet they divide it in their favor. I have records of every payment every made to them I just ca n't get them to credit back all my money that they have basically stolen from me. As of recently they " lost '' my monthly checks, even with faxed in proof from the bank it was made to them they denied it and basically said tough luck. My Wells Fargo loan has absolutely demolished my credit and cost me incredible amounts of money in fraudulent fees, all for a higher education.
My XXXX child was hit by a commercial van on XX/XX/XXXX. We almost lost her, there was an extensive hospitalization. I lost my husband on XX/XX/XXXX from XXXX. I was left with XXXX children ; my XXXX has XXXX and XXXX, myXXXX child was born with XXXX and XXXX. 
I work as a XXXX and struggle daily with the financial obligations of homeownership and medical expenses for my children.
I disputed the referenced accounts ( # XXXX & # XXXX XXXX by third party XXXX XXXX XXXX XXXX. The credit report shows these items were deleted from my credit file XXXX 2017. HOVG LLC, dba Bay Area Credit service ( BACS ), XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX has now reinserted these items on my credit report. The reporting period has expired and I have NOT received any notification. This is a serious violation of the FCRA.
There was a charge back issue that occurred as a result of my former bank XXXX. XXXX did an intense investigation and found err on their part and returned XXXX back to PayPal 's merchants bank to be placed back into the sellers account. I have sent them proof from the bank that the funds has been returned via the visa network on XX/XX/2016 and posted into pay pal 's merchants bank account. However pay pal is refusing to give the seller the money ( XXXX ) that is due to him after the bank explained it was error on their part and sent the money back!
Today 's date is XX/XX/XXXX @ XXXX. I am currently on the phone with a Mr. Cooper representative to address the status of our request for a reasonable modification of our loan. We have made three trial payments, but as yet have not come to an agreeable, acceptable modification. We have also questioned why there are arrearages totaling $ XXXX. Please explain where this came from ... ... furthermore, modification letters revealed the interest rate is not adjustable and subject to change. WE ARE ONLY INTERESTED in a fixed rate, preferably lower than 6.85 %. 

Addition comments made via email to XXXX XXXX : I have received the documents that were included in your previous email to me. As of today, I have spoken with a supervisor in the modification/ligation area or financial assistance to help explain those documents and answer remaining questions. We have noticed there is an arrearage ( accumulations of payments ) on our loan. Could you please explain this? For informational purposes, I have included a pdf of payments that were applied to the account and deemed complete and current after our bankruptcy in XXXX. 
Further, we have questioned the interest on our loan during modification request and was told a mistake was made in offering a 3.86 interest.
This complaint is in reference to case # XXXX. We received a response from the mortgage company back on XX/XX/XXXX which included them issuing us a check in the amount of {$2000.00} and as of today, XX/XX/XXXX we still have not received it. I feel a month 's time is adequate enough that we should have received it by now. 

Thank you!
On XXXX I sent the money to incorrect account number via Wells Fargo to XXXX bank.I registered my employee information ( name route number account number ) on direct pay registration.3 days later Wells Fargo verified the registration and I sent the money on XXXX.A few days later I found that I missed XXXX number ( employee account number is started with XXXX and XXXX digit ) and registered only XXXX digit.I stopped by Wells Fargo and XXXX so many times and report this matter. It is not solved until today.
In XXXX 2015 and in an earlier Qualified Written Request ( QWR ), both Congresswoman XXXX ' office ( via XXXX XXXX XXXX ) and I inquired in writing about who in fact is claiming ownership to my loan and under what authority was Select Portfolio Servicing ( SPS ) given the right to service the questionable loan. In a letter dated XXXX XXXX, 2015, SPS again did not provide written proof of their financial or legal interest they are claiming they have in my property. 
Upon researching recorded documents at the XXXX County Recorder 's Office, the Mortgage-Backed Security ( MBS ) SPS cited in its correspondence ( XXXX XXXX Trust XXXX ) as connected to my home ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) does not exist within any records submitted to the XXXX XXXX XXXX Recorder 's office. It does not appear on any documents connected with my residence. More important, this MBS ( XXXX XXXX Trust XXXX ) does not exist within the records of the Securities and Exchange Commission ( SEC ).
In XX/XX/2018 I disputed an inaccurate account with EXPERIAN XXXX XXXX XXXX. The account I disputed was XXXX XXXX XXXX Account ending with XXXX well Experian did their investigation and the account came back verified and accurate. On XX/XX/2018 I typed a letter to Experian asking for their ( METHOD OF VERIFICATION ) for that account and dispute. I am absolutely certain that the item I disputed is incorrect and should be removed, so I was hereby exercising my rights under the FCRA 611 ( A ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I have attached the letter that was sent to EXPERIAN via certified mail. I have a copy of the certified mail receipt that I sent the letter to the address listed on my credit report. On XX/XX/XXXX Experian received my certified letter started the process of my letter they received it and they refused and failed to send me my request. This is not right are you Experian investigating and verifying this account and me as the consumer cant the METHOD OF VERIFICATION like I asked for. Experian you are in violation of the FCRA and this is against the law and I will be filing a small claims suit for the non compliance for this matter. The letter was sent certified you received it and did the reinvestigation and failed to send me what I am entitled to see. I would like this account removed from my credit report. On XX/XX/2018 I received a letter stating that this account was verified and Experian wasn't going to investigate the matter again.. Experian you failed to send me by mail the proof and the method of verification that I am entitled to. On XX/XX/2018 I called the original creditor which is XXXX XXXX XXXX   and spoke with a XXXX XXXX XXXX agent her name was XXXX her rep id is XXXX and I asked her for the records of Experian Method 's of verification the agent stated she didn't have any records of the method of verification from Experian on this account This is not right and against the FCRA. Experian please remove this account from my file,, I will be going downtown to my local court and file this suit if this account isn't removed from my file. be advised I have all the paper work showing that is sent all letter to Experian and they received them and violated my rights under the FCRA. Experian was given ample amount of time to send the paper work and yet they refused to send me the METHOD OF VERIFICATION. please delete the account asap from my file or this will be a legal matter in court. and I will be entitled to damages for the non compliance and violation for the FCRA 611 ( A ) ( 7 ). and willful non compliance. I have attached the delivery notice, the certified mail receipt, the letter dated XX/XX/2018 and the Experian results,
Upon receiving my credit reports from XXXX XXXX XXXX XXXX on XX/XX/2018, I noticed a negative/derogatory line item from XXXX XXXX XXXX, XXXX in the amount of {$6300.00}. I have sent two certified letters to XXXX XXXX requesting validation of this debt, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. They have not provided me with any documentation bearing my signature. XXXX responded by saying that they verified the account. However, they have not shown proof of my signature. XXXX went on to say ( in their most recent letter ) dated XX/XX/2018, " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed ''. 
What is the next step in getting this removed from my credit reports?
Equifax is reporting my last name inaccurately on my credit file, I have tried getting them to fix this error twice with no resolution. My first dispute was sent certified mail in XX/XX/2018 and my second attempt was through Equifax Online Dispute Portal on XX/XX/2018. I have sent them all required documentation both times. They received copies of my drivers license, social security card and, proof of residency. Equifax is reporting my last name as XXXX which is Not the correct spelling. The correct spelling of my last name is XXXX. I have had it trying to dispute anything successfully with this company because they Do Not take responsibility. Equifax is Not properly investigating my disputes. How can this company claim to have my best interest in mind at preventing identity theft when they allow for a simple misspelling of a consumer last name to appear on the consumer file. I want CFPB to take the necessary steps to penalize Equifax for allowing these preventable mistakes. I am a victim of Identity Theft and I take my consumer files very serious and when I have tried disputing the incorrect spelling of my last name for 2 months to no avail it starts to make one wonder what Equifax is even doing to protect consumers and why they are reporting inaccuracies.
Wells Fargo I had my loan redone by Wells Fargo and there was issues with it and a complete mess. Next I mailed them letters certified time after time had several phone calls for information that would never send. I also got foreclosed on and never received any foreclosed notices or anything. next thing I no I was foreclosed on and cll them and they would say its a mistake. I was calling Wells Fargo on an average 2 times a day some days more than 4 getting sent around to another department like there was no one could never tell me nothing. no one never followed up on nothing. went into a Wells Fargo mort office and they gave me the run around in XXXX CA. 

When I look at my original loan documents on the day they closed there is about 70 % percent of the documents not even sign by me and there was other issues that I bought to there attention but never no truthful answer. 

I have all my documents from the day of closing in the orginal packet they gave them to me and everything that was giving to me when I first purchase the home from Wells Fargo.
Portfolio Recovery called my mother and convinced her that it was urgent they sneaked with me. My mother was called at XXXX CST and frantically handed me the phone. I asked who was calling for me and the lady only gave her name repeatedly. I specifically asked who she was representing and finally said Portfolia Recovery. I 've told them to stop calling me as the statue of limitations is passed in Alabama, 3 years if I remember correctly. I 've filed a claim through a credit reporting agency as I 've never received any paperwork via mail from them. I will now send them a written cease and desist.
We called reporting credit bureau, they said my personal report had no record of an eviction. But they said there are other reports that are used, like in this case .... tenant screening report. The information on that report was wrong. That eviction was a sealed court document that was dismissed. We have copies and a telephone number of court / contact.
I have had NUMEROUS complaints and ISSUES with Bank of America. In 2005 when we got hit with XXXX XXXX and I lost my XXXX income, I was told they had a hurricane relief program where I did not have to make a payment for 3 months. I called and applied, they told me no problem, after 3 months start making payments again. They told me I did not need to sign anything. After 3 months I receive a notice that I was in foreclosure. WHAT? I freaked out, called and they told me I had to make all my payments immediately or they would foreclose. I emptied my bank account and paid them. 
Then 5 years ago after the real estate market crashed I had a hard time making payments. I was 3 months behind but finally had the # to pay in full. They would not accept my payment, telling me I was in foreclosure. I had never been served. I was NOT in foreclosure. They would not take my $ and told me to call their attorney, XXXX XXXX. It took a month to get ahold of them, I called, faxed, emailed sent certified letter and US mail. Finally they called me back and told me to bring them a {$10000.00}. cashiers check and they had me sign a Stipulation Agreement to make 1 year payments and everything would be fine. I signed it and they notarized it and I thought everything was ok. Well, Bank of America apparently did not know what their attorney was doing and again they denied my #. They returned my payments and told me I was in foreclosure. I was freaking out. B of A said they never received the $ XXXX. I paid for a mediator to straighten this out and B of A told them they never got the {$10000.00}. that I gave the attorney several months earlier. Fast forward 3 years, I have been dealing with B of A to get a loan mod. It has been EXHAUSTING and time consuming. They keep switching account representatives, I keep being told one thing and they do another. Recently I completed my XXXX TRIAL Loan Modification where my payments would be based on 30 year mortgage @ 2 %. I bought the condo in XXXXXXXX5.87 %. So I made the payments based on that new payment structure. So imagine the SHOCK when I get the paperwork to sign for the NEW LOAN and it tells me I will have a 38 year mortgage at 4.87 %. I never would have made those payments if I knew that was the case. I am underwater here and they are NOT helping me, they are hurting me! I agreed anyway because I feel like I have no choice. I made the new payment for this month, after I had notarized the new loan and returned to them. And NOW I just received another NEW LOAN AGREEMENT for a different rate and they are telling me I do n't have to make payments til next year! I am SO confused. I called them right away and they ca n't explain it to me. They said they will have to call me back. I strongly believe they used the old " switch and bait '' on me. I need someone to look in to this for me and help me out. I am drowning here & they are XXXX me. Over and over, and over. It must be illegal.
XXXX on XXXX XXXX should be altered and Macy 's name should be removed. 
I was informed earlier by XXXX Macy 's employees that XXXX was available for using any credit card at Macy 's stores. I also checked on XXXX site as well as XXXX credit card 's site to confirm and Macy 's was clearly written as a participant. XXXX card is having a promotion wherein transactions would receive 10 % cash back of the total amount transacted, if used with XXXX Pay in-store. 
I saw some pieces of jewelry at Macy 's amounting to around {$10000.00} and wanted to buy them for my sister and mother. I however did not have the XXXX Pay/XXXX card set up, so I went home to get those. 
Also, AFTER confirming with Macy 's on the phone and website XXXX as well as with XXXX at their store and online AND with XXXX online and on the phone ; I was sure that Macy 's would honor XXXX Pay, and so then I came back to Macy 's within 2 hours to buy and was informed now that Macy 's does not support XXXX Pay. 
I have now technically LOST 10 % of my transaction amount in XXXX Cash-back. I would like Macy 's to please refund me 10 % of the transaction amount that I have now lost in cash back due to Macy 's deceptive advertising around XXXX Pay availability. 
I was hence Forced by Macy 's to use the Macy 's credit card for the transaction which is absolutely unfair and incorrect behavior. 
I had put another piece for around {$8000.00} on hold and was going to buy that as well on my XXXX XXXX, but after being informed of Macy 's stance on XXXX Pay/Discover card, I chose at that point to leave those XXXX additional pieces of jewelry aside from my purchase order. 
The said transaction for the XXXX piece of jewelry is said to hit my account on XXXX/XXXX/2015 and I want Macy 's to refund me 10 % of that transaction to address the loss I have had to incur due to not being allowed to use XXXX Pay/Discover at the Macy 's store. I have included relevant links for your validation in the email above. 
On subsequent follow-ups over the last 2 months, Macy 's reps have been extraordinarily rude and defensive and simply unwilling to hear me out. On several occasions, I had to request the reps to stop 'interrogating ' me or to not interrupt my sentence prior to my finishing my thoughts. I was provided ultimatums and told in many nuances what a miserable individual I was ( the recordings at Macy 's would concur ). At this point, I had to take a stance as well and be more forceful in my responses. 
XXXX of the Macy 's Exec office rep ( PLEASE listen to her recorded conversation with me as well - XXXX XXXX ) pretty much informed me to follow her terms or pretty much go to XXXX. My cards on the Macy 's card website have also been blocked so I can not see any balance information etc. I would imagine this is breaking some Regs out there. I also informed XXXX XXXX that if they applied the said credit against the 0 % APR balance, Macy 's would only benefit. She refused flatly and even expected me to take leave from work and stay at home to accept her certified mail.
cra violation debt collection sending paperwork that are not mine hippa violation i sent all bureaus the police report