WillisBack/dataset-financial-user-claim huggingface dataset:
I am the parent of a previous college student who applied for and was given several student loans by Wells Fargo to attend the University XXXX. I was asked to co-sign the student loans which I did. The loans varied in amounts - usually around {$10000.00} - and the interest rates also varied but averaged about 8 %. 

In about 2013 or so, there was public outrage over the high interest rates that college students were being charged, and so Wells Fargo contacted ME to see if I would be interested in consolidating my son 's student loans with a much lower interest rate. I said of course I would. So with the understanding that everything besides the interest rate would basically be the same - the outstanding amount, the term, and the fact that I would still be a co-signer guaranteeing the loan - I signed and returned the documents that were sent to me. 

During the early years of the loan, my son was still a student and had no source of income. So I paid the entire monthly balance myself. For about two years after he left college I continued to make the entire payments since I was the co-signer. Because I was not the student, however, I was not entitled to any income tax deduction for the amounts that I was paying. 

In the last year, my son has become employed and is now capable of making the student loan payment payments himself and receiving the income tax deductions. So I contacted Wells Fargo and asked that the request for the monthly loan payment be sent to him instead of me. I knew I would continue to the be the co-signer and guarantee the loan, but he now needed the income tax deduction for the payments he would be making. Wells Fargo responded back to me saying that when the student loan was consolidated, I agreed to be entirely responsible for the loan and that my son was no longer responsible for payment. 
I told them that I NEVER agree to be totally responsible, especially for a student loan where I was not the beneficiary ( the student ) and for which I received no income tax deduction for my payments. After discussing this with the Wells Fargo Student Loan people for several weeks, they would not budge and will not recognize my son as the legitament holder and beneficiary of the loan. He was the student, not me. He is entitled to the income tax deduction for payments, not me. Please help.
Collecting dept that I do not have knowledge of never receive a letter or phone call for this company I just now saw them on My credit report do n't have any knowledge with this
On XXXX/XXXX/XXXX I was contacted by XXXX XXXX from Wells Fargo ( WF ). She asked if I ever lived in XXXX or if I ever worked at XXXX XXXX XXXX XXXX in XXXX XXXX. She then told me that XXXX fraudulent accts, a Brokerage acct and a Command Checking acct had been opened in my name at a Wells Fargo Bank in XXXX XXXX on XXXX/XXXX/XXXX using my actual social security #. I received a letter from WF dated XXXX/XXXX/XXXX signed by XXXX XXXX ( Liability Fraud and Claims Manager WF ) asking me to sign, notarize and return affidavit of identity theft as well as supporting documentation ( police report, copy of drivers license, proof of address ). 
A XXXX Credit report documented that someone had tried to access my credit report electronically on XXXX/XXXX/XXXX but was denied access because they did not have my birth place. On an XXXX Credit report a fraudulent address ( XXXX ) and a XXXX XXXX employer were listed under my name. I submitted the Identity Theft Complaint & Affidavit to the FTC as well as the IRS and Social Security. 

I called the Liability Fraud Claims Dept of WF on XXXX/XXXX/XXXX at XXXX to obtain follow up and provided my claim number that they provided to me on the XXXX/XXXX/XXXX letter. The lady at the call center said that she did not have any record of such a claim #. I asked her what I was to do and she said that she did not know. 

As I live in XXXX, and there are no WF Banks in Hawaii, it is not easy for me to go to WF and meet personally with someone for assistance. I flew to the XXXX XXXX on XXXX and went to a Wells Fargo in XXXX and spoke personally with a XXXX XXXX XXXX XXXX ID XXXX re : this matter on XXXX. He looked in his data base and verified that what I said was true and indeed said that there was still money in XXXX of the accounts. I asked him for a copy of all of the activity in the accounts and he said that he was not able lot access that. He said to call WF Advisors at XXXX and ask for XXXX. This is as expected another call center. They gave me an email address to contact re : the fraudulent account. They however could not give me a contact name or phone number. 
The only account that I 've ever had with WF was a WF Auto Loan that I opened XXXX XXXX and paid off in a few months. 
I would like the following information : 1. Documents relating to the fraudulent transactions made on the accounts opened in my name. 
2. I would also like to know if these accounts were opened by one of their employees or by someone from outside the institution. As I do not have an account with Wells Fargo, there is no issue of my having waived my right to sue them for the time I took from my medical practice to chase this information down, fly to XXXX XXXX, as well as the stress of having identity theft perpetrated while I was attempting to secure a loan for home. 
3. I understand that WF has established a complaint and mediation system for people affected by fraud. I have not been contacted and indeed I feel that I have been stonewalled because I do not have an account with Wells Fargo.
My inquiry involves a debt : Unknown, no information available from credit agencies or initial correspondence. 

The nature of my concern : Commonwealth Financial Systems sent me a letter on, or around XX/XX/XXXX alleging that I have a legal obligation to pay them a debt from one of their clients. Per the information provided in their initial correspondence I am undoubtedly confident that the debt they allege I owe is false, inaccurate, and made in bad faith as an attempt to collect on a false debt. 

I submitted a dispute letter via certified mail on XX/XX/XXXX to which Commonwealth failed to respond. Following their subsequent failure, I disputed their listing on my credit report, which was promptly removed for their failure to submit evidence of their claims to the ( 3 ) credit bureaus. 

On, or around XX/XX/XXXX Commonwealth has again appeared on my credit report without sending me a letter or a phone call which I am happy to validate upon request ; their fraudulent listing has since been disputed - again - as of the date of this complaint. I fully expect their fraudulent and bad faith listing to be removed from my credit report within the next 30 days. 

I kindly request that the XXXX take this complaint with my testimony above to investigate Commonwealth Financial Systems for their categorical abuse of the FDCPA and harassment of Wisconsin consumers.
I got a credit card from Target to avail of the retailer 's discount for 5 % off. I then went online to set up my account and set up automatic payments using their website, specifically because I was going to be travelling out of the country with limited access to emails. Unfortunately, I did not take any screenshots of this ( which I should have ). I was out on a long international vacation and when I came back and checked my mail, I saw that the account was overdue and I had to pay late fees and interest charges. I work in technology, so I 'm pretty confident that that I set up the automatic payment according to instructions on the website. I strongly suspect that Target is doing something devious so that they can charge late/interest fees.
Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken. A proper investigation has yet to take place, if this complaint is closed without proper action being taken by your company. I will seek legal means to take action against your company through the judicial process. I have sent all paperwork necessary for a dispute with Experian, including an affidavit, police report, letter from the DA, and a cover letter on which accounts I was a victim of identity theft. I mailed them US priority mail, I have yet to get a response back. The police report and the letter from the DA verified that I have had numerous accounts that had been opened fraudulently while serving in the US Military. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable { {$2500.00} } per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. First I want to address the is the collection account XXXX from XXXX XXXX. Second I would like to address XXXX from XXXX XXXX XXXX XXXX This account was mine, however, I was never late! And, I paid it off. Please refer to my XXXX credit report that I have attached for verification. Third account # XXXX from XXXX FI. This was not me and is fraudulent. Fourth account # XXXX with XXXX XXXX This was not me as well. Fifth, account # XXXX that was originally with XXXX and now is with XXXX. Again, this is not me and I 've sent documentation from local law enforcement proving all of these were identity theft. Sixth is account # XXXX that was originally with XXXX XXXX XXXX XXXX XXXX A and now is with XXXX XXXX XXXX XXXX is account # XXXX that was originally with XXXX and is now with XXXX XXXX XXXX I have never even been to this place. Eighth is account # XXXX that was orignally with XXXX and is now with XXXX XXXX XXXX Again, I have never been to this place. Ninth is account number XXXX with XXXX XXXX. I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed and/or fixed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA.
Peoples Bank is practicing what they called XXXX banking in the XXXX 's. It began by the bank charging {$10.00} on a small checking account. When I called to close the account I was told I had to drive from XXXX to XXXX. Instead I wrote a check to take the balance to zero. They chose to accept a direct debit against a zero balance of XXXX to collect a XXXX fee. Any review of the notes they could have easily seen I wanted to close the account. Instead they continued to charge service fees on a zero balance accounts Today this day is why the XXXX distrusts the XXXX banks
I sent {$2000.00} to a girl in XXXX and when I looked up the MTCN # it said the money was received so I texted the girl and she said she did not pick it up so I asked XXXX XXXX what city was the money picked up in and they told me and its XXXX Km from where she lives and she is a school teacher and works very long hours so the only time she would be able to get the money is on weekends. 

So I want a refund.
For the past year or so I have had a AAA/Bank of America Rewards XXXX card. Recently, since I was overwhelmed by credit card payments, I made a loan against my retirement account and paid off my BofA card. The day after that, I went in to see whether the payment was recorded, and could not log in. When I phoned them, they told me they had closed my account due to payment history of not paying my minimum payments. I had not been able to set up online bill-pay with them because I did not have a Bank of America bank account, and they kept telling me I needed to submit signed affidavits from my bank that my business bank account ( which is IN my name ) was really my account. So online banking never happened. So I was reliant on payments in person - and sometimes I could n't get to the bank on time so my payment was 1, 2 or 3 days late. That is their rationale for closing my account. I am most concerned about my credit history showing that despite paying off my balance to Bank of America, the account was closed involuntarily the day afterward. I was going to cut up the cards anyway, but the fact is this will worsen my credit, and I would like to stop that from happening if I can.
I have wrong letters and contacted both XXXX credit and Transunion about the hard inquirys recently put on my credit they have refused to remove th hard inquiries and it was not me none of the hard inquiries was me for auto loans. They told me I need to place a police report the police said that no crime has been committed so Im at a rock and a hard spot. But here has been XXXX hard credit pulls for auto loans most of them where done from XXXX. XXXX XXXX to XXXX XXXX XXXX My name is is XXXX XXXX
I purchased XXXX XXXX My Cash Cards on XX/XX/XXXX in CVS for {$500.00} each, total {$1500.00}. When I tried to load them to my XXXX account several days later, XXXX of XXXX cards I bought had issue to load, one of them loaded successfully. I contacted XXXX and tried to resolve this, they asked me to contact a company called InComm, said it 's their partner to handle XXXX Cash. After multiple failed attempts, I finally reached InComm, and they mentioned they will look into it. Then after several months I did n't hear from them, I contact InComm again, they asked me to send copies of my XXXX Cash Card, a bill has my address and driver 's license. After sent all my files, they promised to open an investigation and update me for the case, and gave me a case number but I never heard from them for anything relate to my case for serval months. I almost lost my hope to get my money back, then finally got hold of their customer service again, and the representative on the phone told me the case was closed, and they are not talking to me unless a law enforcement agent contact them, but she 's sure {$1000.00} on my two cards have been loaded to a different account, not mine. She keeps blaming me and said I 'm the one responsible if someone " stole '' my cards, and I told her my cards are with me, and the time when I tried to load them to my account, I was the one who scratched those cards to see the PIN, and I never shared the PIN with anyone! 
After the unpleasant conversation, I did some research online, and found out I 'm not the only victim of this potential fraud. A lot of people posted online they had similar experiences. For example, one case I found on XXXX website, it 's a complaint filed by XXXX, XXXX CASE # : XXXX, it 's basically the same experience I 'm having. And he even posted on his blog of findings he had that InComm had security breach and their own employee potentially stole customer 's money. 

One of his post can be found through this link : https : XXXX I strongly believe this is a systematically flaw in XXXX 's system if not an intentionally scam. Please help me to recover my money lost and investigate InComm for their wrong doing and hostile treatment towards customer, {$1000.00} is a big amount of money for me, you are my only hope! 

Thank you for your help!
Experian send out a new report this time they add middle Ination I Never Had One.First it was my address now it read XXXX Can They Please Have My Correct Name And Address XXXX OR. XXXX Thank You.
the person they are trying to collect from does not live or has ever lived in our home and is unknown to us. We have lived here for more than 25 years. They are trying to collect from a XXXX XXXX I have explained this over the phone numerous times and now they are sending collection mail to my address
I have two hard inquires on my XXXX  report from Citi one dated XX/XX/2017 and XX/XX/2017. Either of these hard inquires were not authorized by myself and I was not asked if Citi was permitted to pull my credit report they did it without my authorization. I did try to make contact with Citi however they advised to dispute through external source.
We have been patrons of citibank for decades. We had applied for a XXXX XXXX to refinance our home. When I happened to be at Citibank for another reason, I mentioned that we were getting a loan from XXXX and the loan representative at Citi was called in. He sat down and said we can offer you a better deal. We will match the interest rate and eliminate most of the closing costs since you are a preferred, long time customer. 
I asked how difficult it would be to do this, because XXXX was simple and did n't require reams of documentation. I was told we would need to supply tax statements, and pay stubs, and that was pretty much it. We started this in XX/XX/XXXX. We continued to supply documents until XX/XX/XXXX and then were turned down because of the debt to income ratio. Those very facts were available in the paystubs and taxes we supplied on day one! 
They appraised our home, which we were charged for, and it appraised positively. I feel like we were conned. Our time was wasted and we abandoned a loan that was about to happen. This took place in a branch in XXXX XXXX, where we live.
I have had a total of four different times. Some one is trying to use my former divorced name and address and phone number and social security number from 12 years ago. They have applied for XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 2 times XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. 
They have showing up on my credit reports as hard inquirers. I have called and had them removed. But found some one is still trying to use my former name and information.
Ten years ago I was given a line if credit from XXXX. During phone application process I was told that I can pay extra to have a protection in case I lose employment. So I signed up and was paying for that. After I lost my job I submitted for that protection. They never responded until years later they started garnishing my wages without any notification. They took money for over a year. After that employment ended I did not hear from them. When u obtained employment last year I called them right away. They refuses to speak to me or work with me. I attempted several times. Then they started garnishing my wages again and claiming same amount after they already garnishes couple of thousand few years back. They did not honor protection I was paying for nor did they want to work with me. thank you for any advice.
On XXXX XXXX, 2013, I sold my property located at XXXX XXXX XXXX, XXXX, NY XXXX. At the closing, the first and second mortgage balances with Chase were paid in full. My lawyer disbursed funds to Chase Mortgage for {$630000.00} to satisfy mortgage number XXXX. He also disbursed funds to Chase Mortgage in the amount {$51000.00} to satisfy mortgage number XXXX. 

Despite the property title clearing and the property changing ownership, Chase continues to report a {$7100.00} past due balance to the credit bureaus, and also reports loan # XXXX as " charged off as bad debt '' rather than as " paid. '' I have reported this to the credit bureaus and my lawyer and I have XXXX contacted Chase on repeated occasions to try to remove this. I have been trying to correct it for 3 years. 

As of XXXX/XXXX/XXXX, however, the loan balance and the charge off remain on my credit report- ruining my XXXX score and also preventing me from securing any new credit. 

This is highly unfair and must be rectified immediately! 

Its bad enough that Chase forced me into bankruptcy because of a botched refinance. Continuing to report that I have not paid my debts when I have paid off everything to the penny only adds insult to injury. I certainly hope you can help with this matter. 

My attorney 's information is : XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX
MY name is XXXX XXXX XXXX. I work for XXXX XXXX since XXXX. At the beginning of my employment, XXXX deposit my paycheck with the ADP Bank before my personal account was set up. After the personal account was established with the XXXX XXXX Bank, XXXX XXXX direct all the new deposit to the new account. ADP bank closed my account on XXXX without notification to XXXX or to me.the account remain in it over {$2500.00}. On XX/XX/XXXX, I received an old letter dated XX/XX/XXXX was forward to me through the post office from ADP bank saying the account is closed. I contact ADP bank more than XXXX times every time I call they ask me for the new address. I had to speak with XXXX supervisor for the same issue. they promise to send me a check, but never happened. they do not want to release my money. on XX/XX/XXXX the XXXX payroll personal ( XXXX ) called the ADP and I was on the XXXX line with them, XXXX ask them to send me a check with the remaining amount. the ADP promised to send me a check within 3-5 business day, but never happened. XXXX ( XXXX payroll personel ) Ph # is XXXX. 
My ADP Acc Debit # XXXX. ADP ph # XXXX. 
AM asking you in my behalf to speak with ADP to release my money. it is urgent. I need to pay my mortgage and other bills. thanks. if you have question please call me.
While currently serving in the United States XXXX XXXX overseas ( XXXX ), Navient put my student loans in default. Navient has my XXXX XXXX address because it was provided to them before I departed the United States for my service. 

To begin with, prior to leaving California, my loans were in deferment because I was a XXXX XXXX student at XXXX XXXX. I spoke with a representative the 1st week in XX/XX/XXXX and requested a XXXX XXXX XXXX. They informed me that my loans were in good standing and that the paperwork regarding my full-time status at XXXX State and my enrollment in the XXXX XXXX was acceptable and that I had nothing to worry about. I wanted to make sure, before leaving the States, that Navient wouldn't make any mistakes and place me in a default status : was I wrong. Just recently, I found out within my year abroad that my loans defaulted and that my credit ruined. I contacted Navient over a course of 3 months. Over this course of 3 months, I've spoken to several representatives ; sent emails and I have given them my address where they could send notices. Never once have I received in writing or email, that my loans were in default. I finally spoke to a representative who assured me that everything should be ok and that I will get an answer. In the meantime, I sent Navient every document : XXXX XXXX proving I was enrolled full-time and an official letter from XXXX XXXX stating that I am serving for 2 years and 3 months. With that said, I received an email from Navient stating that my loans are in good standing and that I am in forbearance and have to make a payment starting in XX/XX/XXXX. The problem with that is I am in the XXXX XXXX and can not make payments. My service ends XX/XX/XXXX, and will not be gainfully employed, but will enroll back at XXXX XXXX XXXX of XX/XX/XXXX. Instead of placing me in a deferment status, I'm in a forbearance status which was not suppose to happen.
XXXX XXXX did some work on XXXX XXXX teeth. When that work was completed and paid for. XXXX XXXX was SUPPOSED to remove XXXX and give XXXX.. BUT they did the first treatment over again and did not want to XXXX XXXX 's teeth and give him a XXXX So we went to a different Dentist to get a second opinion.. AND XXXX 's XXXX were beyond saving they were XXXX and causing him a Great deal of pain and had to be removed IMMEDIATELY, or cause other health issues! XXXX was treated that day. We contacted XXXX XXXX and told them what had happened and they would not return our calls or make any contact with us and then sent us to collections for work they did not do. Now they want payment for something they did not do AND XXXX has no more XXXX and only XXXX.
Social security administration reporting on XXXX and experian reports payment history is inaccurate. Currently Garnishment twice a month as well as voluntary payments being made.