WillisBack/dataset-financial-user-claim huggingface dataset:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof.
To whom it may concern : I complained to Wells Fargo Bank that I did not receive the service, amenities and destinations that I purchased from XXXX. For this reason, I was disputing the transaction. 

I have received a letter from Wells Fargo bank that my claim # XXXX has been closed. 
On XXXX XXXX, 2016 I emailed Wells Fargo as well as mailed them a letter that the letter they mailed to me stating they closed my claim must be a mistake because they are addressing different concerns in that letter, that do not pertain to my case. 
On XXXX XXXX, 2016 I called to find out if Wells Fargo received my response / concern. Also, I requested the copies of merchants response to the inquiry / my claim. Instead I received the general contract from XXXX that could be printed out from their website or if you call XXXX and ask for the general contract. I received copies from my emails that I sent to Wells Fargo and my charges. In XXXX word, nothing of what I requested. 
On XXXX XXXX, 2016 I called and asked to speak with the manager and was told that XXXX XXXX will be calling me back within 48 hours, however no one called me back. 

I believe Wells Fargo should have a protocol they follow and it was not followed in my case. I have a dispute where I am looking to get my money back and instead Wells Fargo addressing some other issues and not what I am disputing. 
Please look into my situation and address my concerns. 

Thank you
Navient began Harassing me and my Father on XX/XX/XXXX with phone calls. 
Navient claimed that a payment for {$92.00} was late. Payment actually arrived on XX/XX/XXXX and XXXX XXXX of Navient confirmed receipt at XXXX XXXX  on XX/XX/XXXX. 
Received another call on XXXX from Navient Robot stating payment was still late. 
Called staff at Navient and spoke with XXXX at XXXX XXXX onXX/XX/XXXX 
He was not sure why me and my Dad were still being Harassed by Navient. 
XXXX Stated that account should all be up to date by XX/XX/XXXX. 
On XX/XX/XXXX My Dad an I each received harassing phone calls and also email messages saying payment was late. Navient is completely incompetent.
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
On XX/XX/XXXX I sent a goodwill letter and an extra car payment to XXXX XXXX for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made XXXX XXXX aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears. 

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, Equifax and XXXX. 

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX XXXX XXXX would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit  bureaus, and still there was nothing done. As of now it has been 11 months and still XXXX XXXX and the Credit Bureaus have not removed said late payments or remarks but did cash my check.
I received an email this morning from my mortgage company Primary Residential Mortgage, XXXX XXXX. She stated that she tried to contact me by phone and wanted an update on my XXXX Mortgage. I emailed her back let her know I was unable to call her back after work. At XXXX est, she emailed me again requesting an update and asking if I was still occupying the residence. Really, I am late 19 days on my mortgage,. I called her provided my banking information and asked her " why did you ask if I was occupying the residence? '' she stated to update her records, I believe that she was using it as a scare tactic. No one for the last 2 years ( Making timely payments ) has ever called or inquired about updating my account. Poor Service, using scare tactics. I thought the CFPB would want to know, what type of mortgage company Primary Residential is and how they treat consumers.
In XX/XX/2015, I applied for a Chase Slate Credit Card with a promotional offer that would help me improve my credit. The offer was a balance transfer offer. After applying i received a letter from chase that was dated XX/XX/2015. This letter stated that they had received my request for a balance transfer and would transfer the approved amount to the identified account. The account that was identified was the INCORRECT account.The letter advised me that if it was the wrong account or i wanted to cancel the balance transfer that i should notify them by calling XXXX before XX/XX/2015. Upon noticing that they had identified the wrong account I immediately called and requested that they NOT transfer that money into that account and gave them the correct account. Without any regards to my request and complying with their letter, CHASE continued and transferred the monies into the account. I have notified Chase over XXXX times over the phone and have spoken to Credit Customer Supervisors more than XXXX times. I have been given the same story that it would take up to 30 days to process any resolution to this matter. It has been well over 30 days and i have note received any resolution to this issue. Chase has continued to fail to contact me with any solution to their negligence in depositing the money into the wrong account. The option to " UPDATE '' or 'CANCEL '' the balance transfer has been ignored after we complied with there letter and have made repeated attempts to have them correct their mistake. Meanwhile chase has begun to receive payment on an balance transfer that was erroneously deposited into the wrong account and has done nothing to correct the issue. I have now inherited another payment to a XXXX that i did not want the payment going to. The intended Chase offer was to transfer a card with a higher interest rate and a balance that would be covered by their card. Chase chose to pay into a account that would not be covered by the credit extended. Thus creating another debt / bill for us.
Today I was Contacted by XXXX from credit control at XXXX on XXXX/XXXX/15 for the purpose of a debt collection. She Previously called on XXXX/XXXX/15 XXXX and was unable to provide information substantiating a debt she was attempting to collect from XXXX XXXX When we first spoke I informed her that There exsist the possibility that I may be a victim of identity theft. To day when she called I informed I would not provide her with any verification information and to no longer contact me in regards to the matter or I would be forced to contact your agency and execute my rights under the law. I was very adamant and calm when I informed her of my wishes. XXXX informed me that the calls would continue despite my strict instructions that I do not want her to call my residence any more. To paraphrase her words, " it might not be me who calls but someone will call you. ''
Our loan is through Loan Depot 's XXXX Branch and started end of XX/XX/2018. I attempted to pay my first payment on roughly XX/XX/XXXX by check as directed, however the check had not cleared by XX/XX/XXXX. I worked with Loan Depot and they had no idea why it hadn't cleared and then attempted to make a payment over the phone, however i could not make the payment over the phone. After spending more time running around with them, they finally figured out they had changed my loan number and that is why i couldn't pay my mortgage. I then called in to pay my mortgage on XX/XX/XXXX, they then cashed the check i sent 4 weeks prior on XX/XX/XXXX. I contacted them and said this XXXX, you took two payments, you owe me 1 payment back. They called me on XX/XX/XXXX the day my second payment was due to tell me they had sent me a check for the mortgage payment they stole in XXXX. This check was lost and i requested a new check on XX/XX/XXXX. I have been contacting Loan Depot for the past 3 weeks now about the replacement check and no one can tell me anything. This company has stolen roughly {$2600.00} from me and is unable to provide me the funds they stole back. I've wasted weeks now trying to get my money back but am getting no where. I need help getting what is rightfully mine from this company.
Wells Fargo ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill.

I NEVER SIGNED UP FOR ELECTRONIC STATEMENTS, I NEVER KNEW I HAD ELECTRONIC STATEMENT, I NEVER AGREED TO ELECTRONIC STATEMENTS. I DID NOT RECEIVE ANY EMAIL REGARDING ELECTRONIC STATEMENTS.

The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX XXXX XXXX ). After a while, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.

I DISAGREE WITH WELLS FARGO 's RESULTS. I REQUEST A REINVESTIGATION OF THIS DISPUTE. WELLS FARGO NEEDS TO ADDRESS EACH CONCERN IN DETAIL AND PROVIDE PROOF THAT THEIR RESULTS ARE ACCURATE. WELLS FARGO HAS NOT PROVIDED WITH PROOF THAT I SIGNED UP FOR ELECTRONIC BILLING STATEMENTS. ( I NEVER SIGNED UP ) WELLS FARGO NEEDS TO PROVIDE PROOF OF DELIVERY OF THE PAPER BILLING STATEMENTS.

If you find the disputed information referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX Unauthorized Inquiries : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX Equifax Unauthorized Inquiries : XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
My home loan is now being serviced by Ditech, Original Loan XXXX then Greentree I believe XXXX thru today 2016. In the Months of XXXX Thru XXXX of this year I have been seen discrupitancies having difficulty in speaking with a humane that 's does n't seem threatening. I am on a BI-Monthly payment which is every other Friday deducted out of my bank account. I started to notice in XXXX Late charges being applied to my account, when I called they said it was a computer err and would ask that the fee be removed, Again the following month another Past due charge was applied ... I called again ... " They will request this be waived '', Computer err my account is in good standing ... Then come XXXX ... I get a NON so Nice man Beating on my door, handing me a notice to Call Ditech.. I call no nothing 's wrong account is in good standing ... then I receive a letter notifying me that there has been a collection agent assigned to my account XXXX at XXXX ... PLEASE CALL " This communication is from a Debt collector. I call .... NO your account is in Good Standing ... THEN on XXXX I receive a Notice : This letter is to inform you about a Loss Mitigation : Temporarily Forbearance Agreement, which gives you time to pay your monthly obligation, If I are unable to make my payments, my best option to find AFFORADABLE Housing or oss Mitigation .... 
Additional ... Seek housing XXXX Assistance. 
Again sent from This communications is from a Debt collector Ditech Every time I call Ditech, I have to start from the beginning to be transferred to a supervisor only to be disconnected ... After XXXX Calls or MORE. That last person I spoke with was XXXX a supervisor who said I DON '' T want to hear again that you 're a Commercial lender and do n't need to know that you know what a Forbearance agreement is, when I asked that this letter of collection be retracted he clearly declined saying that last letter was only a sales tool and did NOT need to be retracted. As of my XXXX statement Thru my XXXX Statement and XXXX payments later I can only see approx XXXX Applied to my principal balance. I have asked serval times for the statement reflecting their accounting and how 's it has been applied with NO success to date
Complaint # XXXX. This is our complaint on file with your agency. I received an email today stating you are passing it to the OCC. I already tried to file a complaint with the OCC and they would n't take it as the lender is a mortgage company and NOT a bank and referred us to you. This is beyond frustrating!
A recorded voice from " Northwind Associates '' calls saying that they have exclusive information about a debt " -- -- '' and if you are not " -- -- '' then please hang up. Otherwise they threaten legal action if I do n't call them at XXXX which is only answered by voicemail. This is a scam. I never heard of this company and do n't owe any debt. Please track them down and make them stop!
The account is over the Statutes of Limitations and I have a bad credit because of this account. It is with XXXX XXXX XXXX.
Security questions for Equifax all had to do with accounts opened within the past few years -- I have n't opened any accounts, which makes me worried that someone 's using my identity. But because I ca n't answer the questions I ca n't access the report online!!!
I have been writing letters and disputing an issue on my credit report since XX/XX/XXXX. My student loan was being serviced by XXXX soon after moving to XXXX I place the loan in forbearance. Within the forbearance time, I received an email encouraging me to lower my student loan payment by allowing this organization to take over the loan, which I did. A year or two after this time frame I notice a 60 day late on my XXXX XXXX XXXX this is around XX/XX/XXXX. I made several calls explaining that not only had the loan been bought out but that it was in forbearance. My pleas were ignored and so I began to challenge it with all 3 of the credit bureau. About every 3-4 years I get a period where I have the time to once again attempt to fight this issue. I have used several credit repair companies with no results. When the issue is disputed XXXX moved the date of the claimed offense. I spoke with an attorney today from XXXX XXXX and found out XXXX has now moved the claimed offense to XX/XX/XXXX. I have not had an account with them since the transfer which was done in XX/XX/XXXX. I am also told by the lawyer that XXXX  is not obligated to send me nor the credit repair agencies ANY documentation of proof, but rather just tell the credit bureau that they are right. I question not only the legality but the fairness. It appears that I have no defense in addressing this issue. PLEASE HELP ME XXXX XXXX XXXX   XXXX XXXX
I RECEIVED AN ALERT ON MY XXXX REPORT FOR A COLLECTION ON XX/XX/XXXX. THE COLLECTION AGENCY IS MIDWEST RECOVERY SYSTEM IN BEHALF OF XXXX THE ORIGINAL CREDITOR. THIS IS AN ALLEGED PAYDAY LOAN THAT WAS BORROWED BACK IN XX/XX/XXXX. I HAVE NEVER GOTTEN A PAYDAY LOAN FROM THEM. I CONTACTED THEM AND TOLD THEM THAT THIS IS A SCAM. I ALSO CONTACTED ALL XXXX OF THE MAJOR CREDIT BUREAU. THEY HAVE PLACED A FRAUD ALERT ON MY CREDIT REPORT BECAUSE THIS COLLECTION APPEARS ON MY REPORT. THESE PEOPLE ARE SCAMS ARTIST BOTH MIDWEST RECOVERY SYSTEM AND XXXX. I DID ONLINE SEARCHES ON BOTH AND I SAW THAT THIS HAPPEN TO ALOT OF PEOPLE.
At the time of this encounter, I was covered by medical health insurance and provided same to the provider at the time of service. Additionally, the provider indicated that they were an In-Network service provider at the time I scheduled the appointment.
I have a vehicle financed of which i paid a total of 59 payments on a 60 payment loan as of XXXX/XXXX/15. The financial institution was trying to charge me an additional XXXX in interest which i had made multiple requests and sent multiple overnight letter to try and discuss due to this should not be due and it has gone un responded. I have since made the 60th payment on my loan and still they do not respond and will not try and help. We did take extensions on the loan due to family illness and job issue during the 5 years which is way our maturity date was moved to XX/XX/2015 but all payments have since been made our original maturity date was to be XX/XX/2015. Any help to gain a response and to help fix my wife 's credit for the last few months would be great. Each time i have spoken to a representative they advised to hold the payment until the issue is taken care of and it never was and they in turn reported negatively on her credit.
AS I WAS GETTING A BACKGROUND CHECK FOR NEW EMPLOYMENT I 'VE RECEIVED A COPY OF INCORRECT INFORMATION AS FAR AS ADDRESSES I HAVE NEVER RESIDED AT BASED ON SOMEONE USING MY NAME IT IS ALSO SHOWN ON MY CREDIT REPORT.
My mortgage has been transferred to GreenTree Mortgage dba XXXX. I have requested a modification due to my current health issues. While in the process of requesting a modification, I also requested several legal documents from them such as my Mortgage Note, and copy of my security deed, and past 3 yrs mortgage history. I requested these documents 30-45 days ago, but never received any of them. The payoff balanced that was quoted to me was {$42000.00} more than what I originally started with the mortgage. I did not understand how the principle balance increased so high. In addition, I asked the name of my current investors or who really owns my mortgage, but was given vague and erroneous information. There are so many discrepancies with my loan. My original loan was with XXXX and then transferred to at least XXXX different servicing companys. Please help me, I do not want to lose my home, or taken advantage of. I am XXXX years old and very afraid.
I have a debt on my credit report with XXXX, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX last year and removed, XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.
Mortgage payment made through XXXX XXXX XXXX bill pay on XX/XX/XXXX. To date, Wells has not posted this payment.
I 've been paying extra toward my monthly principal EVERY MONTH. Freedom Mortgage has not credited me the full amount of 'extra principal ' every month that I 've been paying of {$200.00} extra principal since XXXX XXXX, 2016. They have only been crediting {$150.00} instead of the full amount of {$200.00} of extra principal. My previous amount due every month was {$1300.00} and starting XXXX XXXX, 2016, Freedom Mortgage did a 'review ' of my escrow and determined that my payments should be lowered to {$1200.00}. I 've attached a statement from Freedom Mortgage dated XXXX XXXX, 2016 that reflects the monthly amount that is 'due ' as of XXXX XXXX, 2016 is {$1200.00}. XXXX Mortgage even acknowledged their receipt of {$1400.00} and that the amount due was {$1200.00} as evidence on the attached statement. Please have Freedom Mortgage credit me for XXXX, XXXX, XXXX, and XXXX 2016 ( and any months following that I 've paid ) for the extra principal amount that I 've paid of {$200.00} each month. Thank you in advance.
Virtually since this loan 's inception about six months ago, our lender, LoanCare, has refused to recognize our initial mortgage payment and apply it against our principal. I believe their claim is they never received our check. We have provided proof by means of the ACH tracing number personally and via email from our bank that the payment was processed through XXXX XXXX. Despite my efforts and numerous emails to LoanCare, their employees and a supervisor, they will not adjust our account and statement to show the initial payment. Months later they still allege we have not made the payment. The supervisor I have emailed has not provided, as I requested more than once, her superior 's name ( s ), so I can take this to the next level. I have also requested via the company 's portal that someone contact me. Absolutely no response. That was over a month ago. Please help.
My husband and I contacted USAA on XXXX/XXXX/XX/XX/2015 to apply for a VA Mortgage Loan. After a series of long hold and providing information to the representative. We were advised that we were not approved at this time for a mortgage loan and that we would receive a letter in the mail to explain, in detail, why we were not approved. After a week had gone by, I contacted the company to find out if the letter had been sent, they advised " system had not generated the letter yet ''. Again after 3 weeks, I still had not received a letter and I contacted the company to find out why. I asked to speak to a manager and the representative proceeded to advised me that she could help and that we were not approved because my husband 's credit score was below XXXX. I do believe discussing credit scores and denial reasons over the phone is a violation. I still have yet to receive a letter of explanation even though it has been well over a month since applying for the loan.