WillisBack/dataset-financial-user-claim huggingface dataset:
My spouse and i had an original home loan with World Savings Loan on or about XX/XX/XXXX, the loan then subsequently transferred to Wachovia Home Loan then to final lender which is Wells Fargo Home Mortgage. The ORIGINAL loan went delinquent sometime in XX/XX/XXXX during the recession. Wells Fargo got our loan transferred to them sometime in XX/XX/XXXX, of which they reported out dated negative information on our credit. The reporting period for a charge off is 7.6 years from the date of first delinquency ( DOFD ). The DOFD is the first date that you became delinquent that led to the charge off, and the account was never brought account current before it was charged off. When it hits the 7 year mark you can dispute it as too old to be reporting. Our understanding of the law is the DATE of FIRST DELINQUENCY should be calculated from the original creditor, ( Wachovia ) not the date of when Wells Fargo got the loan transferred to them in XX/XX/XXXX. Then to add insult to injury Wells Fargo internally wrote off the loan in XX/XX/XXXX over 6 years after the loan was transferred to them, and they also put that information on our credit. Our contention is ( 1 ) they are reporting old information and not reporting from the original credit, thus re aging our credit file, which we believe is against current Credit reporting laws, and ( 2 ) we should not be penalized because Wells Fargo did not write off this loan in a timely manner. 
Any assistance or clarification would be appreciated. 

XXXX & XXXX XXXX
I've been trying to login to my account but am told to contact you XXXX but have heard no response and was on the phone for an hour with no answer
In XXXX of 2016 I was a victim of credit card fraud. I reported the fraudulent charges to Wells Fargo Bank. Wells Fargo took a report, canceled the credit card and told me they would issue me a new card. I later received a document stating that the claims and transactions I disputed were verified by Wells Fargo to be not allowed by me and they were removed from my credit card balance. I still had not yet received a new card and was also not able to access my credit card balance online nor make a payment. Around XXXX XXXX of 2016 I contacted Wells Fargo after receiving a letter stating that I needed to make a payment towards my account balance. I was transferred to XXXX different people who were all having trouble even locating my account. I told them I was unable to see my balance nor make payment and had not yet received a new card. Finally, after some time they said the problem was that they had not issued me a new card, and once they did that account would be accessible online and I could start making payments once again. I disputed the late fees and charges due to not being able to access nor gain information my account, but we never came to an agreement on those charges. Today, XXXX XXXX, 2016 after still not receiving my new card and still not able to access my account, neither online nor via phone ( when I tried to access it via phone I would received an automated response stating " We 're sorry we can not continue with this transaction '' and then I would be disconnected. After speaking to XXXX different people I was finally informed that my account had gone into collections even though I had not yet received my card not had access to my account as was promised to me by Wells Fargo. I tried to handle this matter and yet the things that were agreed upon on Wells Fargo 's end never came to fruition.
Upon pulling my annual credit reports on XXXX XXXX, 2016 I became aware of a collection account that I had no knowledge of. It was a medical bill from XXXX XXXX XXXX, account # XXXX, stating that the original creditor is XXXX. 

I have lived in XXXX XXXX XXXX all my life and do n't ever recall going to XXXX XXXX for XXXX XXXX. 

This collection was reporting with all three credit reporting agencies. I did an initial dispute on XXXX XXXX, 2016 with all three credit bureaus. Within twenty days XXXX and XXXX both deleted this collection but for some reason with Experian it came back verified. 

So on XXXX/XXXX/16, I sent XXXX a debt validation letter ( see attached ) Priority mail # XXXX ( see attached ). 

And on XXXX/XXXX/16 I wrote a follow up letter to Experian ( see attached ) priority mail # XXXX ( see attached ), and as of today I still have n't received any information showing how could I possibly owe this debt. 

I was n't notified before it went on my reports and as of today I am still not being provided with any information concerning this debt which is causing me a great deal of financial stress. 

It seems XXXX and XXXX have done the right thing but Experian wants to cause me a great deal of grief.
My husband and I were looking at renting a house around XX/XX/2018. We contacted the person on the ad, filled out a renters application, and lease, and he asked us to send the money via wire transfer since we both banked at Wells Fargo..

We went to our local branch, talked to the teller and he handled the transaction. We never left the bank, never touched the money, have the receipt, and all the other person 's information. A couple days later, the " landlord '' of the new property asked us for an HOA fee, and that's what made us step back and start making phone calls to verify things.

Come to find out, there was no HOA for the neighborhood the house was in, and no one had any information on or about the person we were talking to. After discovering that info, we called the bank, filed the claim with them, went to our branch to talk with the branch manager, filed police report, and every other thing the bank had asked us to do. The branch manager said that since we did everything that was asked, and gave her a copy of all the info we had about the situation and person committing the crime, that she would put a note in our account to allow us to have our money back. 

That was a month ago, and now all we are getting from Wells Fargo customer service reps, investigators, and supervisors is " It sucks to be you, and we refuse to help in any way. '' Our bank who we have been with for almost 5 years is doing nothing to help us, acts like we do not matter, and the suporvisor 's are extremely rude when we talk with them over the phone. We are still fighting with with the bank to get back the {$1000.00} we were taken for, and our wonderful bank is treating us like we are the criminals.
I have a loan that I defaulted with XXXX XXXX XXXX. My account is being sent to different collections agency. I was making payments with a collections agency than my account was sent else where with out notice. Now my loan is with XXXX law. In a response they stated that they received my account on XX/XX/2015. But on XXXX XX/XX/2015 I received a letter from XXXX that they had my account and was receiving phone calls from them up until XXXX XXXX 2015 and I filed a complaint against them and they never responded until the account was with XXXX. I do n't understand why my account keep getting passed around so quickly. I did n't received notice from XXXX until XXXX XX/XX/2015. As I stated previously I 'm unemployed and I 'm actively seeking employment. I can only pay about {$25.00} until I 'm employed. Once employed I 'm more than willing to pay more. My co signer is also unemployed and is leaving on a fixed income. He has medical bills he has to pay because he had XXXX XXXX and had to get it removed he also had XXXX more XXXX after the initial XXXX. He was in the hospital for almost XXXX months. I was paying on my student loan up into XXXX. I called the previous company and it took them XXXX weeks respond to let me know they were no longer in charge of my loan. I finally contacted the people who had my loan through XXXX they told me to call a number. I called the number several time and did n't get a response I later found out the company had changed it 's name. I also have medical problems and have to take XXXX medication which I have to pay out of pocket because I do n't have any health insurance and have to see doctor regularly and have to pay out of pocket. So the money I have left is about $ XXXX- {$30.00}.
Both my deceased husband and I have asked every company, like Green Light for information about reverse mortgages. We then later found out that people who were with Green Light were loosing their homes ; frantically scared we immediately changed to XXXX Mortgage. Once in XXXX Mortgage, we were promised from the beginning that if anything happened to my husband I will be granted to stay a year in our home. An agreement that we had was for a free consultation, which failed to happen. My husband has since passed away, and XXXX Mortgage transferred the mortgage to Champion Mortgage. I have called for months on end for the MOE Assignment to be transferred to the HUD, yet no one has returned my phone calls, leaving my house to foreclosure. I was given an extension of two 6 months, totalling for a year. I had continued calling the companies in order for the extension of 6 months to go through, but the companies who are assisting this case are not properly following steps for it to take place. Thus leaving me helpless. I was never sent any papers, and the price of the reverse mortgage is extremely high. I was never told there was going to be a lean in the house as well as that when my husband passes I 'll have to pay {$1000.00} each month. I 'm having to spend extra money for legal assistance, I 'm desperately seeking help on this case in any way/ I feel very discriminating as an individual having to go through such things with no help.
Capital One Auto Finance allowed someone to use my information and obtain an automobile loan in my name by using my correct personal information that was obtained as a result of identity theft. I have tried to communicate with Capital One Auto Finance that this was a fraudulent account, but they have refused to hear me and have continued to attempt to force me to pay the fraudulent loan amount. I have never done business with Capital One Auto Finance, but they have plainly told me that it was my fault that my identity was compromised and that I was responsible for paying them the fraudulent loan back. They have refused to accept my police report and identity theft affidavit and told me they would continue to ruin my credit until I paid them back the fraudulent loan balance. They continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
In XX/XX/XXXX I received phone call from debit collectors saying that Nelnet had sold my student loans to them to collect.. I explained I dont have any they said ya u do in default.. how could that be I asked because u didnt pay them we been trying for three years how u want to pay debt credit.. I thought it was a scam.. I thought they had been forgiven by XXXX and dept of Ed in XX/XX/XXXX I said I got letter from dept of ed saying it was taken care of they Nelnet said dont work that way we decide what happens to u loans same things nervent said how can they send things that say XXXX balance and than demand it back Im so confused Nelnet says send a note to our email saying u have no taxable income I did hope they dont start taking money from my XXXX  like XXXX did without even notifying me.. as they say they can do anything they want.. seems pretty unlawful and unethical .. nervent keep having me put it in forbearance.. I dont have over the XXXX thats considered low income .. I feel they do this because Im a widow, poor and a XXXX female.. and XXXX years old .. and they only look to line there pockets.. they give no chance and offer any of options to work to have it paid.. they just hurt people..
overwhelmed in student loan debt can not find a career in the field of choice that pays a decent wage. will eventually stop paying loans to support my family better
I disputed multiple times this incomplete inaccurate false collection with Experian and requested investigation proof of wet ink signature no lawful results provided.
When requested verification validation letter via   USPS    certified mail the address provided per Experian to my surprise the letter came back undeliverable address, not a valid address, providing reports of false, inaccurate and incomplete info which is a violation of the fcra, not doing due diligence and not protecting consumers.
Through a credit monitoring service I received notice of a collection account appearing on my credit report. On my credit report the account was reported by the collection agency  Medical Data Systems , Inc., h aving originated with  G  XXXX   XXXX   XXXX   Hospital.  XXXX  Hospital  had provided me a service in the Summer of   XXXX  .     I contacted the hospital and found that they and the collection agency both had an incorrect address on record.     My address is  XXXX   XXXX   XXXX   XXXX  in  XXXX , VA. They recorded  XXXX   XXXX   XXXX   XXXX . The first     XXXX     in my address was transposed to a  XXXX . I did not provide them with an incorrect address to my own home. Any mail sent to  XXXX   XXXX   XXXX  would have been returned to the sender.     I paid the bill immediately and received a receipt that memorializes the address error. It also has my name partially misspelled. I have included this receipt here, along with other documentation recording my correct address and name.     When I contac ted Medical Data Systems t  hey insisted that this was a valid debt and refused to remove it from my credit reports. Nothing  resulted from disputes I filed with the  XXXX ,  XXXX , and  XXXX . It now appears that the wrong address has been added to my credit reports.     I paid the bill as soon as I was made aware of it.     Prior to seeing the collection reported on my credit report, I received no notifications of the balance due.     I do n't think my credit should suffer because of a billing error.
A check was written to XXXX ( XXXX XXXX XXXX XXXX XXXX  ) for {$30.00} on XX/XX/2018, placed in an envelope and put in our mailbox. Apparently the envelope was stolen from our mailbox and the check was modified with the payee of " XXXX XXXX XXXX '' and the amount was changed to {$3500.00}. The check was cashed on XX/XX/2018 against our XXXX XXXX XXXX ( XXXX ) checking account to a payee account at the Bank of America ( BOA ). The check image is attached. We filed a police report on XX/XX/2018 and submitted an affidavit ( attached ) documenting the fraud to XXXX. XXXX   filed a report to BOA on XX/XX/2018. BOA responded ( attached ) denying the claim on XX/XX/2018 claiming the signature was modified which it was not. We have been in contact with XXXX   several times concerning the matter. This matter has dragged on for over 4 months and I am in doubt whether we will ever see the funds despite assurances from XXXX.
Since becoming the victim of identity theft ( XX/XX/2016 ), I have had numerous fraudulent accounts opened in my name. I then dispute them with the credit reporting agencies. XXXX and XXXX have been pretty good about deleting the fraudulent accounts and/or collections but Experian will not help me, even after repeated ( and extremely long ) phone calls.
XXXX XXXX XXXX ( hereinafter " XXXX '' ) has been trying to get a loan modification for more than a XXXX. However, her efforts have not been met with the same intensity by Wells Fargo Home Loans ( hereinafter " Wells Fargo '' ). After working extremely hard to solve the present issue with her lender, she was offered a trial payment period ( hereinafter " TPP '' ). XXXX ' new modified payment was going to be {$2400.00}, at 4.5 %. However, in a later review, Wells Fargo found out that the title was not clean. The title presented several liens imposed by the XXXX Court in favor of XXXX XXXX XXXX XXXX XXXX, and their attorneys XXXX XXXX XXXX. XXXX XXXX ' loan modification was denied because she could not clear the title on time. She appealed said decision on or about XXXX XXXX, 2016. On XXXX XXXX, 2016, Wells Fargo denied her appeal based on the title not being cleared. XXXX XXXX reapplied for a loan modification and her paperwork is with the reentry team, since more than XXXX days before the sale date. The sale date has been scheduled for XXXX XXXX, 2016. XXXX XXXX was not aware or was not advised about this sale date. I spoke to XXXX XXXX from the reentry team today XXXX XXXX, 2016. He indicated that Wells Fargo was not going to stop the foreclosure sale because there was a change in the guidelines from the XXXX XXXX XXXX that did not allow a loss mitigation review on loans that are more than three years delinquent. He also indicated that this rule was imposed on XXXX XXXX, 2016. XXXX XXXX has also requested foreclosure mediation on XXXX XXXX, 2016 as it is her right to do so. Therefore, having foreclosure mediation scheduled is also a reason to stop the sale date to have enough time for a loan modification. As previously stated, the title is cleared now. It is only the XXXX XXXX for XXXX XXXX XXXX XXXX that is taking its time to process it. Attached please find documents that prove that the title is clean now. Wells Fargo has more documents in their possession that corroborates this claim, documents like receipts and letters.
I have scheduled automatic payments. The payments are not going through because their system does not process the payments. I have been charged many times a return check fee, and I have to manually make payments.I need full refund on {$20.00} x number of return check fee and the system to process my {$50.00} payment on schedule. The interest of 9.9 % is inhumane, borderline slavery and an embarrassment to all of mankind. XXXX
Apartment complex automatically renewed lease after having written them to close lease at the end of original terms. The complex never did so, a few months later I received a letter from a dept collector in an attempt to collect this debt that I was not away of. Since I had wrote the originator of this debt telling them I would not be renewing. I then wrote the collection agency request ion information of verification of the debt, however I never received any information back from the collection agency. I have never received any calls or attempts to colllect this, so I thought the matter was closed until I saw it on my credit report. Now, it shows on XXXX different credit reports under XXXX different names.
I have requested multiple times VALIDATION of this alleged debt. I have advised a past bill is NOT validation. I am requesting VALIDATION of this alleged debt in the form of a signed contract with the company seeking funds from me, Diversified Consultants. I have NEVER signed a contract with DCI and have no obligation to pay this company.
I was called by Discover card on XXXX that I had an overdue account for over {$800.00}, and payment was due. I learned that an account had been opened in my name using my SSN, DOB, former home address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ), XXXX XXXX. I notified the XXXX County Sheriff 's office, my case number : XXXX. I received and completed an " Affidavit of Identify Theft Report '' with Discover card. I notified XXXX and XXXX. Upon a review of my credit report ; I discovered an address of which I have never lived : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I filed a correction with XXXX. Discover card reported that " I '' had notified them of this address change after the account was opened and there were charges. 
1 ) In their itemized charges there was a " phone payment '' made on this account dated XXXX/XXXX/XXXX {$11000.00} ; I can not provide any evidence that any payment was made by any account of mine at that time. 
2 ) There is also a listing of over XXXX charges ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ), all but XXXX with the following transaction description " XXXX XXXX XXXX ''. Charges range from {$3.00} - {$79.00}. 
3 ) Last evening, I received a letter from Discover card that there is insufficient evidence of identity theft, and that a new account has been opened in my name and I am responsible for all charges.
Something has happened to my account. 
On XXXX XXXX, I lost my purse, which included my phone and my wallet. I contacted the bank on the to cancel my account. Since I no longer had a job anyways, I decided I would n't be opening another account. I was going to have to make arrangements for my checking account because it was over drawn. I was advised that I would need to visit a branch to do that, and at that time I closed out my savings account as well. I no longer have access to the accounts online and no one will answer any of my questions on the phone as to : A ) Why and how both accounts are right at or more than {$500000.00} overdrawn B ) Why did I get a statement on XXXX XXXX advising me that they were closing out all XXXX of my accounts. 

I do n't know what has happened or how any of this has happened, and now I 'm running into problems verifying my identy online with ANYTHING XXXX XXXX  XXXX, even the XXXX XXXX Please help!
I have a loans that originated through XXXX which XXXX XXXX XXXX later had Greentree Servicing to service. I have requested a XXXX and Greentree just keeps giving me the run around. This form is needed by another entity to assist with my mortgage payments. Greentree is only capable of calling about the money past due not giving me the form which will allow my mortgage to be paid.
Navient has reported negative information to my credit bureau on XX/XX/XXXX. 
I have a deferment that started XX/XX/XXXX. This is incorrect information on all three of my credit reports.