WillisBack/dataset-financial-user-claim huggingface dataset:
IN XX/XX/XXXX i WAS SUPPOSED TO RECIEVE THE AMOUNT OF XXXX FROM XXXX XXXX XXXX XXXX A CUSTOMER OF WELLS FARGO BANK AND IT WAS A AGREEMENT AMOUNT PER OUR CONTRACT. XXXX XXXX XXXX KEPT PROMISING TO PAY THE AMOUNT SINCE XXXX OF 2017 AND WROTE TWO CHECKS THAT BECAME NON SUFFICIENT FUNDS TO SETTLE THE AGREEMENT. 
HE STATED THAT HE WOULD GIVE ME MORE DUE TO THE FACT THAT HE WAS LATE IN PAYING THE AGREEMENT. I ATTMEPTED TO CASH THE CHECK AGAIN WITH WELLS FARGO AND REPORT IT TO WELLS FARGO BANK AND THEY DO NOT HAVE A BAD CHECK RESOLUTION DEPARTMENT AND THAT I CAN NOT ATTEMPT TO CASH THE CHECK ANY LONGER AND THAT I HAVE TO CONTACT THE PERSON WHO GAVE ME THE CHECKS. I DEPOSITED ONE OF THE CHECK INTO MY BANK ACCOUNT XXXX  XXXX XXXX AND IT CAME BACK NON SUFFICIENT FUNDS. 
THIS AGREEMENT BETWEEN XXXX XXXX AND I WAS TO DO A FINANCIAL INVESTMENT WHICH NEVER OCCURRED AND HE ALSO, WROTE BAD CHECKS TO MY FRIENDS IN MORE AMOUNTS AND THEY TO WERE NON SUFFICIENT CHECKS. THE POINT IS THAT WELLS FARGO WILL NOT INVESTIGATE THIS MATTER AND ITS THEIR CUSTOMER AND THEY LET XXXX XXXX CONTINUE TO HAVE A CHECKING ACCOUNT AND WRITE BAD CHECKS AND NOT CLOSE THE ACCOUNT TO SUSPEND HIS PRIVILEGES. I DID REPORT IT TO THE XXXX XXXX XXXX POLICE DEPARTMENT BOTH INCIDENTS BECAUSE WELLS FARGO WILL NOT TAKE ACTION. THIS OCCURED IN XXXX XXXX XXXX FLORIDA WERE XXXX XXXX LIVES AND DOES BUSINESS WITH THE WELLS FARGO BANK ON XXXX XXXX AND XXXX XXXX. 
THATS MY COMPLAINT.
XXXX XXXX XXXX calls me approximately XXXX times a day. These calls begin before XXXX XXXX. They also continue to call me at work, even after they have been told by my employer that this is not allowed. Sometimes they call me every XXXX minutes all day long. 

They have been notified that they are not allowed to call me with this frequency. They continue to do so. 

When I asked them for an address so that I may file a complaint against them, they would not give it to me.
For about the past two years, Navient ( XXXX ) has been " accidentally '' applying my payment to the wrong loan. Monthly, I pay one of my private loans that my uncle has co-signed so I do not default on the loan and mess up his credit. Navient states that if you pay on time on a loan consecutively for a year, you can possibly remove a co-signer from the loan. I want to remove my uncle as a co-signer, so I tried to pay the monthly fee on that loan on time for two years. Whenever my last month of paying on time comes, I call Navient and pay over the phone, thinking I am paying on the co-signed loan. A few days later, I get a call saying that the payment is past due. I call Navient stating that I already paid on the loan, but they tell me that my payment was " accidentally '' applied to another loan. They tell me that they can not reapply the payment to the correct loan and that I have to pay again. I ask them if I would still be eligible to release my uncle as a co-signer from the loan because I would have paid consecutively on the loan if it was not for their fault. They tell me that I have to start the whole process again. I tried to pay consecutively on the loan for two years, and each year the same incident happened. It is not fair and unjust.
I recently went on XXXX and began filling out their online application to get a quote on how much I would be able to receive as a loan with the first time homeowners program. I did NOT submit any of my information and after randomly checking my credit score XXXX, I noticed that my credit score has DECREASED about XXXX points. I looked to see what caused this drastic change and saw that it was based on XXXX banks pulling hard inquiries on my credit without my consent or knowledge. I would like to file a complaint with Transunion and to reverse this action and return my score to its original score if possible. Thank you so much.
Major Issue with Equifax Credit Bureau ... .they compromise my information on my credit file by sitting for 6 months from their Cyber- Security Incident in XX/XX/XXXX and did nothing. Now, a re-investigation as of XX/XX/XXXX, a new list was updated and as of XX/XX/XXXX when I was informed by a Rental Office applying for an apartment, the attachment is provided stating an ID Theft Fraud Alert on my credit file. Which is a Security Freeze and I was able to get the pace and I'm Homeless. Since XX/XX/XXXX-XX/XX/XXXX I have faxed my driver 's license 4-5 times.. ( enlarged ) and my birth certificate to show the correct information and to update my report. They have all gave me the run-a-round and Lied with not receiving my faxes. I also mailed my driver 's license and birth certificate as well and I'm waiting on the receipt/update on that. Equifax Never informed me of their corrupt mistake until I received a letter from them on XX/XX/XXXX ... attachment provided ... confirmation # XXXX credit file date XX/XX/XXXX. This Credit Bureau needs to be shut down and a class action suit needs to be provided. I am a victim and need to be PAID IN FULL from Equifax. Thank you and hopefully all will be corrected as soon as possible.
Owned property located at XXXX XXXX XXXX XXXX, XXXX WA XXXX. XXXX XXXX was also a register co-owner register with XXXX XXXX WA. 
XXXX XXXX had a XXXX Attorney Chapter XXXX, this was my only debt. I had my pay garnished for two years, they made the payments and took more, when all of a sudden they dismissed the Chapter XXXX. 
XXXX XXXX started to make mortgage payments, all. UNFORTUNATELY the company, OCWEN Financial placed in a separate account, unknown reason. Regardless we hired another attorney, Florida Attorney, XXXX XXXX, charging us {$1500.00} for four month in a row. 
Finding all of this too much to deal with and getting no protection from anyone, we decided to make a move back to our family in XXXX XXXX, we purchased another home and moved out of the XXXX XXXX. We were contact prior to move by a neighbor who had a friend who dealt with real estate. We asked this person to deal with the house. 
We received a notification from OCWEN that the house mortgage was paid in full, and thanking me for my payment. WE KNEW NOTHING ABOUT A SELL, COULD NOT REACH OUT TO ANYONE for information. Now we find out that the house is FOR SALE at {$400000.00} which is its true value, We want to know what or when do we receive the monies outstanding due to us above our mortgage. 
There is something shady out here and we need to know information., We appreciate your time and consideration regarding this matter. We have never received any NOTICE, letters from OCWEN, and any CREDIT ding for late payments. We have emails from the Mortgage holder as late as XXXX stating all is fine. They went paperless but that does not STOP THE FORMAL PROCESS OF ANY FORCLOSURE, we have never received any notification and our location is noticed with the XXXX and others. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
During the month of XX/XX/XXXX, I purchased a car though XXXX XXXX I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX  to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with ALLY 14 times. Each time they promised that someone would help or call me back. Please help.

XXXX  XXXX XXXX  ALLY FINAN I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXALLY FINAN I XX/XX/XXXX ALLY FINAN I XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
On XX/XX/XXXX I deposited a check at Chase Bank for my Chase account using the ATM machine. The check deposited was a check from a company owned by me but from another bank ( other than Chase Bank ). The following day I attempted to use my ATM debit card from Chase and was told the charge was declined. I immediately logged into my online banking and saw the deposit made the prior day was showing as a " pending '' deposit. On XX/XX/XXXX( XX/XX/XXXX) I personally went to the Chase branch to discuss the issue and was told the Chase Bank review process identified the deposited check ( from my own company ) was placed on a hold until XX/XX/XXXX ( 11 days from the date of deposit ) because it appears the check may not clear. I explained it was from my company and there was more funds in the account than the amount of the {$2500.00} check deposited. The branch manager at Chase said he would call another department at Chase and try to get resolution and he would call me. About 45 minutes later the manager called and said there was nothing he could do the hold was placed by Chase in the review department. Today, I received a printout from the bank where the check was written and the check cleared that bank on XX/XX/XXXX. I went back to the branch and presented the written documentation. The branch manger also called the other bank to verify the check number, amount and the date the check cleared ( XX/XX/XXXX ). The manager then attempted to release the hold but the Chase Bank system would not allow so he said he would again call the department at Chase and call me back later in the day. He called back and now said Chase informed him that it appeared the check I deposited may be a duplicate check number and they would not release the hold. I called Chase Bank and after speaking with two representatives was told the same story and they would not release the funds until XX/XX/XXXX. Hence, my complaint against JPMorgan Chase Bank. The end result is that the funds cleared my business account on XX/XX/XXXX, XX/XX/XXXX and I have no access to my funds ( {$2500.00} ) until 8 more days ... ... so that will result in me being unable to make payments or pay bills from my Chase account and possible automatic withdrawals being denied. It is completely unjust for a bank to withhold funds for 8 days after the check cleared the other bank and it was verified by representatives of Chase Bank.
This company has been illegally and inaccurately reporting to the credit bureaus. This account was opened in 2011. The last payment was made in 2011, however this company has been reporting 1 month then for the next 5 months will report negative late payments and then again report payment made. I have not made payments to them since 2011. I address it with the credit bureaus they informed me this is illegal and to address it directly to the company as well. I contacted them regarding this and they stated they did n't know what I talking about and demanded payment. I sent them a copy of my credit report that showed exactly what I was talking about and then they said they did n't know how that happened, and demanded payment. I informed them that they were in violation of the Florida Statue of Limitations of Debt Act and Fair Credit Billing Act. The Manage got an attitude and laughed and demanded payment once again. They have been fraudulently reporting to keep the account open and it has destroyed my credit. Please see page 43 of my credit report.
The mortgage company is not paying my tax bills from my escrow account, despite me faxing them into Ditech Financial. When I called today 4 separate times, I am given mis-information, bad information, no information and or hung up on. I am trying to re-send the tax bills, yet they will cooperate and tell me how to get the tax bills there. I can not tollerate this abuse any further. This is one of the worst companies I have had to deal with, bar none.
account is in bk and they reported everything negative on my cbr i have contacted them a few times trying to get this matter taken care of and have dealt with the rude collections folks who still try and collect on this XXXX balance paid off account
I have had no access to my money on my card for 3 days since they tried to upgrade, I have spent several hours on hold, with no resolution. They have sent out several social media messages saying the problem is fixed, or saying it will be fixed and as of this moment I still can not access my funds.
Unknown late payments XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 60 days Status Updated XXXX/XXXX/XXXX Balance {$4.00} Balance Updated - Credit Limit {$1500.00} Past Due Amount - High Balance {$1500.00} Monthly Payment {$4.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ownership Individual Original Creditor - Company Sold-to
In XXXX, my identity was stollen and used to open a number of fraudulent accounts. I was diligent about following up regarding these accounts and getting them closed as fraudulent, by compiling the following information : - Signed and notarized Identity Theft Report ( form provided by FTC ) - Copy of the police report I filed - Copy of my photo identification - Copy of a utility bill at the time the debt was reported to serve as proof of alternate residence Every account except for one was closed as soon as I sent the debt collector this information. However, ProCollect refuses to acknowledge that this account is fraudulent and close it. 

I submitted this packet to ProCollect on XX/XX/XXXX. 
I did not hear back from ProCollect until XX/XX/XXXX when I called them back to inquire about the status of my account. 
They claim that they reviewed the packet and decided it was still a valid debt on XX/XX/XXXX, but did not provide any details for how they reached that decision, despite me providing them with all the evidence that they requested.
I am at the end of my 5 year term with having to pay PMI on my FHA mortgage and my servicer is telling me that I will have to pay for an appraisal to show the bank that my home is worth more than the $ XXXX I paid for it I do n't recall being told or signing anything when I bought the house that stated me paying for an appraisal would be required for the PMI to be removed. Please investigate the validity of this requirement from my servicer.
Through a second mortgage on the house, I procured the funds to pay off the loan with Loan Depot. I received a check from my current mortgage company in the amount of {$12000.00}. I called Loan Depot for the address to send the final payment to. I sent the payment to that address. I was waiting for a refund for the overpayment, when I received an e-mail with a notice of payment due. I called Loan Depot and was informed that they hadn't received the payment. When I questioned further, I found out I was given the wrong address ( XXXX XXXX - their previous loan service provider ). I've provided them a copy of the cancelled check. They will not credit my account for the pay-off that was made. They need to credit my account and refund the overpayment as well as the payment I made while waiting for the cancelled check.
I have disputed this XXXX XXXX Account with Experian over 20 times for disputing inaccurate information. Here it is XX/XX/XXXX and I am demanding to have this issue resolved immediately. I have provided my discharge papers i have held on the phone to dispute this issue all together for over 3 hours. And the Credit Reporting agencies continue to tell me Nomatter how much accurate information that i provide they are going to go off of what the creditor says. I have provided discharge documents from a Judge and Attorney stating that this account was discharged in Bankruptcy in XX/XX/XXXX and  Experian continues to allow XXXX to say an do what they want. XXXX is stating that the account was discharged in XX/XX/XXXX which is incorrect. I Feel like i have all rights to sue this company because it is damaging my credit and ability to purchase anything! This is the second time i have disputed this with your company
I have sent multiple dispute letters after receiving a bogus bill by this company in XX/XX/XXXX. I began sending dispute letters starting in XX/XX/XXXX, and continued in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I Explained to Diversified Consultants that I do not owe a debt to their company. I requested in each of my dispute letters to verify and validate this debt but sending copies of original contracts with my social security along with my signature confirming that I entered into a contract with their company. Diversified Consultants has never sent any documents with proof that I owe a debt to their company. The only information that I have received from Diversified Consultants is a bill with a name similar to mine and an amount due of XXXX. I am being harassed by this company, and have had my credit ruined with all 3 credit reporting agencies. I also requested in my dispute letters that all collection calls cease and to only notify me by mail concerning my dispute and their company has continued to contact me on my cell phone number numerous times a day. I want the harassment stopped and my credit report corrected immediately by this company.
I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my XXXX account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.
I applied for Discover student loans consolidation on XX/XX/XXXX, in the amount of XXXX. I was told by the company that you may dispute the claims, and within 30 days there would be an additional soft pull of your credit report once all dispute info was obtained. Customer service stated that they would not be conducting another soft inquiry. On XX/XX/XXXX,  My credit was pulled a 2nd time within 30 days without my permission. i have spoken with several managers, who did claim that the practice was wrong, and should not have been conducted as I was told something different, than what was done. Here we are, XX/XX/XXXX, and the inquiry has yet to removed from XXXX. This is the only inquiry left, discover removed them from the rest of my accounts. Discover claims to have submitted to the credit bureaus, but this is currently showing on my report. Please help. I have been speaking with supervisor XXXX, who has helped tremendously, but this has extended too far.
{$460.00} XXXX credit card debt went to collections. Debt was owned by Global Credit and Collections. I received a notification via mail that I could settle the debt for {$290.00}. Check was dated XX/XX/2015 and was deposited into Global 's bank account. My account number is referenced in the memo line. I have a copy of check image with deposit stamp. Called Global and they said since they no longer own the debt they can do nothing. 

XX/XX/2015 XXXX XXXX owned debt and has been trying to collect. XXXX has asked for me to fax the check image, which I have done 3 times to no avail. Paid debt remains on credit report and I have been dinged several times by XXXX
ONEMAIN XXXX XXXX XXXX. XXXX, TX. XXXX ( XXXX ) XXXX, In XX/XX/XXXX I contacted the XXXX XXXX XXXX by submitting a complaint online on their website in regard to the company listed above known as OneMain Financial. I submitted a complaint that the company was illegally using phishing postal mailing scams for pre-approved loans in order to false-fully obtain credit information from prospects, I was a victim of it. The company used false advertising in order to obtain my credit information in which they ultimately denied any type of pre-approved loan. The branch office was located : XXXX XXXX XXXX XXXX, XXXX, PA. XXXX. I submitted corporate 's information to handle the illegal phishing scam. I have two ( 2 ) Hard inquiries on my XXXX credit report from ONEMAIN in which I already submitted claims of fraud/scam in which I did not authorize or make any hard inquiries in order to access my personal credit report. The dates reported : XX/XX/XXXX- Reason " Unspecified '' XX/XX/XXXX - Reason " Unspecified '' I was a victim of the original phishing scam on XX/XX/XXXX in which I did give my information but it was used against me since I was ultimately denied after supposedly already being pre-approved. However, XX/XX/XXXX I did not contact or authorize this company in any way shape or form due to the fraud/scam already reported to the XXXX in XX/XX/XXXX. I reported that I did not want any contact from this business whatsoever as it would be considered harassment. The XXXX. also rejected a recently submitted complaint and responded that that OneMain Finacial headquarters located in the state of Illinois is no longer in existence to be contacted. The above contact information should be valid as it is actively/ presently reported on my credit report. *Please see XXXX  credit report uploaded as an attached document and the black circled areas as they pertain to the hard inquires I am disputing. 

***OneMain Financial Corporare Headquarters Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IN XXXX
I notified barclays ( Re : Acct # XXXX ) that this account is the result of identity theft on my credit file and that I was not the person who applied for, or opened the account and that it must be removed. Not only did I not receive any response, but it is still on my credit file and they will not take it off. I did send them the affidavit as well as the police report along with my letter. I require further investigation into this account and I also requested a handwriting analysis as well as an affidavit from them swearing that i was the person who opened said account, which I did not. In addition to this, pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this account to report on my credit file, so either way, this needs to be removed immediately.
Progressive Management Systems is continuing to report an old debt that is n't mine. This debt is past the statute of limitations on the collection of debt and the y need to delete it .
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX.
Equifax was storing my sensitive credit information irresponsibly without sufficient security on its databases. Hackers managed to get into the system and gain access to potentially devastating information on my credit. Equifax took multiple months to make the public aware of this hack, even though they knew about it beforehand.
This is the third and last time I attempt to fix this with transunion. They are still allowing XXXX XXXX XXXX to illegaly collect a debt that is unenforceable and uncollectable. My previous disputes have simply been automatic responses from both companies and a proper investigation was never done because of it was, transunion would have found out this debt is illegal and unenforceable. This account still remains on my credit report and because of that, I will be filing a lawsuit against transunion and I will seek punitive damages as well since I have a letter from a creditor denying me credit due to this illegal account on my credit report. Ive attached the laws and statutes that transunion has broken and a letter from the Florida office of Financial Regulation that support my case.