WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted my monthly mortgage amount on XX/XX/XXXX I rec 'd a coupon stating that the next payment date would be XX/XX/XXXX for approx {$1000.00} The submitted and cashed payment on XX/XX/XXXX was for {$1000.00} satisfying the XX/XX/XXXX payment date. 
Wells Fargo decided NOT to apply this amount to this payment date. 
I called Wells Fargo on XX/XX/XXXX inquiring as to why this was not done. 
Customer Service had no answer for me, they then claimed that " they will expedite '' this mistake and update the payment to XX/XX/XXXX and it would take " 3-5 business days ''. THEN the person told me 7-10 business days. 
I explained to Wells Fargo that IF I did n't catch their mistake and I did n't make another payment before XXXX XXXX, my home would of went to foreclosure possibly and they would of reported my missed payment to the Credit Bureaus. 
All I get from Wells Fargo that is " human error '', well these " human errors '' seem to inundate them because I see them all the time. 
7-10 business days to update my loan? RIDICULOUS! And I will once again need to check after this time period, only to see it not applied possibly and Wells Fargo once again telling me 7-10 business days.
I currently disputed the following car loan : Bridgecrest. I have already brought this to XXXX, XXXX   and XXXX  attention. I have disputed the account multiple times for incorrect information from the monthly payment, to the terms, and also the original balance. I gave them a chance to fix it. It has been more than 30 days. They updated the item still with the incorrect information. I have sent the bureau a copy of my email coming straight for Bridge crest them self telling me my monthly payment. I also sent XXXX   my monthly statement where it shows Bridgecrest taking their monthly payment from my account. XXXX   has update my information and now it has the wrong date which I opened the account, and it shows no monthly payment and no terms.
XXXX XXXX is reporting a debt that is too old to be on my report to Transunion there are multiple inaccuracies being reported such as the date of last payment and the date it was closed. I have disputed it through Transunion multiple times and keep getting the same response that it has previously been verified. This same account has been removed from XXXX and XXXX due to age and inaccuracies.
XXXX, XXXX and Equifax attached please find complaints I have filed against two collection agencies who violated FCRA in their response to your investigations of the fraudulent accounts they, XXXX XXXX  and XXXX XXXX XXXX, placed on my credit reports on/about XX/XX/XXXX and XX/XX/XXXX respectively, which I disputed but they replied that they had verified the accounts when they had not. As such, in violation of the FCRA, XXXX XXXX AND XXXX XXXX XXXX willingly and knowingly gave false and inaccurate information in their responses to those disputes, in their responses to the disputes I filed against you and them through the CFPB and in their response to the complaints I filed specifically against them through the CFPBs website after their claiming to you that they had verified the accounts when in fact they had not nor can they because the accounts are fraud.
I requested a credit report in  XX/XX/XXXX . At that time I noticed that there were several addresses where I never lived linked to my report. I also found that a delinquent account from the collection service   XXXX   XXXX   for Speedy Cash was listed on my report. I have lived in Oklahoma since   XXXX   and have NEVER used a payday loan service. I disputed the false addresses and   XXXX   XXXX   account. I did get the addresses removed, but have tried for several years to have the negative report from   XXXX   XXXX   removed.
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I have repeatedly disputed this information on my account and have never received any direct notification from   XXXX   XXXX   until  XX/XX/XXXX . This account does not belong to me.   XXXX   XXXX   has closed this account on my report, however  XXXX  has not done so after repeated disputes.
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I have tried to find an email contact for   XXXX   XXXX   to contract them without success. I will not call them due to other consumer complaints about threatening phone calls from   XXXX   XXXX  .
XX/XX/XXXX I received a letter from this company stating I received services from " XXXX XXXX  XXXX XXXX '' on XX/XX/XXXX with two service charges of {$890.00} for that date, and XXXX for {$890.00} with a total balance due of {$2600.00}. 

This is completely frivolous and I am tired of going back and forth with collection agency after collection agency regarding this medical collection account. 

To begin with, WHAT SERVICES WERE RECEIVED? I WOULD LIKE TO BE PROVIDED THIS CONTRACTUAL AGREEMENT BETWEEN ME AND THIS COMPANY SHOWING MY SIGNATURE IN AGREEMENT TO WHAT SERVICES WERE RECEIVED. I AM DUE THIS ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 623 B. 

Stop connecting these medical accounts to me. I have not been to a hospital to receive any medical services and your inability to provide an original consumer signed contractual agreement showing services received and bearing my signature on it, proves that! Further reporting without producing this document will put you in FULL VIOLATION of The Fair Credit Reporting Act! LEAVE ME ALONE!! 

Be aware that a printout of a bill or itemized document does not constitute verification. I am once and for all requesting a copy of any documents, bearing my signature, showing that i have a legally binding contractual obligation to pay them the alleged amount. Should you choose to not comply of federal laws under the Fair Debt collection practices act, the Fair Credit reporting act, and the corresponding local state laws, I further remind you that you may be liable for your willful non compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the fair debt collection practices act ( including but not limited to section 807-8 ), violation of the fair credit reporting act ( included but not limited to section 623-b ) you will be required to appear in a court venue local to me, in order to formally defend yourself.
From XX/XX/XXXX-present Ford motor credit continues to report late payments on my account every late payment on my account has been disputed and is not accurate they refuse for removed it and continue to attack my credit. Bring my score down. I am Not able to make payments on the car they have blocked me from paying on the car the car was totally out XX/XX/XXXX has been with the insurance sinceXX/XX/XXXX besides documentation and communication Ford Credit motor company refused to work with me and think i have The car when i do not have the car they contacted me harassing making fase statements on my credit report. 

I am Trying to resolve this matter they should be in contact with the insurance company they have the car and was trying to sell it. They have been calling car shops for the car i never Been too, family members & friends asking about this car i do not have. Constantly reporting late payments constantly making the balance higher fees higher late payments knowing i do not have the car and the car has been a total loss for over three months how is it legal for me to not have the car the car be told to me by the insurance company & ford credit motor company that it is a totally loss yet balance keep going up & they refuse to work with me & any way to resolve this matter. 

I am Trying to figure out where the car is & make payments arrangements & get a lawyer because they are treating me unfairly and stilll harassing Me and reporting untrue things on my credit report. This matter dealing with the insurance company and ford motor credit and  they way they have treated me and how i how Lost my car and independence has send me into a deep XXXX i have been hospitalized they know this and they know I do not have the car they know I am not trying not to pay my car note or avoid payments yet they still call non stop, ask me the same questions over and over again, call my job, boyfriend harass me and send me into a deeper XXXX. 

This is the third car i have Had with Ford i am a loyal customer i have Paid off two other cars drove fords for over 10 years. Was an employee my family has workers there for over 40 years mate over 10 years and this is how they treat you terrible all they care about is money. Said they would waive all late fees they said no we wont they keep saying different things now they are refusing everything and being rude to every one i have had call on my behalf. They know the conditions of the car they know the car is not driveable they know it is totally out they know i do Not have the car the insurance company does! Yet they constantly call me for it i can No afford to pay the whole car note because i still Have to get around but i can Still pay something but they will not allow me to they are being so disrespectful and hard to work with and i dont understand why!
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports : XXXX, Equifax, XXXX.

I have one Hard Inquiry made by Company : XXXX XXXX On XX/XX/2017.

Credit Unions XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX I have called Credit Unions at XXXX XXXX  in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted XXXX , Equifax , XXXX with no updates yet.
I filed a chapter XXXX bankruptcy in XXXX, which I did not include an reaffirmation for my mortgage in the bankruptcy agreement. My bankruptcy has been closed. I've been paying my mortgage over the years, but the mortgage company will not allow my mortgage payment status to report on my credit report. The mortgage company has switched hands four different times since I purchased the home in XXXX. The mortgage company I have now is telling me they need a copy of the affirmation agreement from my chapter XXXX bankruptcy. I'm unable to provide this information because I did not include a reaffirmation agreement with the bankruptcy. My mortgage is the biggest asset I have and it not reporting on my credit report has affected my credit tremendously. I'm unable to obtain credit or purchase things. Please help me. I think this is so unfair. I even spoke with my bankruptcy Lawyer who assisted with my Bankruptcy in XXXX and she suggested I contact CFPB to file this complaint. Please please help me. This mortgage company has been accepting my payments faithfully for many many years, but won't allow my payment to appear on my credit report. I think this is an injustice and something needs to be done about this as soon as possible. Thank you
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately.Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/2018 Inquiry : XXXX XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXX/XXXX XXXXDate of Inquiry : XX/XX/2018
Update as of XX/XX/2017 : Hello..Today is XX/XX/2017 My Checking account by Chase Bank in XXXX California Has Inaccurate Charged and Fee of {$520.00} as XX/XX/2017 told me it was an Over draft fee for a transaction which is Incorrect! I disputed this charge and Still No Resolution. They took my whole Check with I receive from Social Security. I filed a claim XXXX regarding this error plus mistake that Chase Bank made on my checking account and I disagree with their response cornering my claim..Please keep in mind when I 1st Initiate This Dispute and Claim ... My account never was able to withdraw but 1 time Treasury Department and from my Social Security check, Which I have XXXX checks comes in monthly from Social Security and My Payday Loan from online company that I do business with. Chase Bank had my changed only debit card was changed.Basically Checking Account is still The same. Chase Bank stated I went to ATM and did a a transaction..By this it make it seems that I withdraw this particular amount {$480.00} from my account. I withdraw from my new card which Chase Bank deposited into my account from my dispute claim. I never withdraw my XXXX check from Social Security Check only withdraw my XXXX check in amount {$520.00} from my old debit card from Chase bank. This my Complaint with Chase Bank. They Treated me very Unfairly they Took my check on XX/XX/XXXX time XXXX California time zone when I called my Debit Card saying my account was negative {$520.00} and took my money when it posted from my Social Security Check. This is my Living expense income This how I pay for my monthly and This has Caused a me a Hardship crisis. As of XX/XX/XXXX-XX/XX/2017 Chase Bank Claims Department Contacted me her name was XXXX and Left me ... A massage stated they still denied my claim for refund of my money! and I spoke to XXXX on XXXX about XXXX and still claiming there was no erroron There part with My Checking account. I say they are not being honest and covering up for their mistake on my Account ... And took my check. Key point here.. Chase Bank # 1st Never Change my account number When this Issue 1st started with my claim for Social Security check on The XXXX of The Month which postes after midnight but I received myXXXX check # XXXX. Chase replacement debit card only which chase posted days later {$480.00} from The complaint I made to Claims department. On The same account which I complaint about. There focus was ... Its a chip card.
I have a XX/XX/XXXX bankruptcy on my file that I have been disputing for over 1 year. Equifax keeps replying as accurate and verified. I even contacted my State court and they verified that they do not give out any information to third parties or credit bureaus. On XX/XX/XXXX I sent a certified letter to Equifax requesting physical documentation. They fail to send me physical documentation as requested. According to the FCRA section 609 ( a ) ( 1 ) ( a ) the credit bureau is required by law to verify through the physical verification any and all accounts that they post on a credit report. On XXXX XXXX I received another updated report with the same thing " verified ''. Also claiming that the information came from XXXX. I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX and he did verify that Equifax did not request an inquiry of my public record. Also, I suppressed and froze my report with XXXX on XX/XX/XXXX. According to XXXX my file has a security freeze and credit bureaus will not have access to my file. So how could Equifax say they investigated and verified my dispute? ON XX/XX/XXXX filed a complaint with the BBB and they notified me after 30 days stating that Equifax has not responded back to them.
TEK-Collect has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
BWW Law Group representing XXXX XXXX XXXX has continue to make false statements in reference to a court case involving the property XXXX XXXX XXXX XXXX. See complaint # XXXX The judge never ruled on the Fair Debt Collection Practices. BWW Has continued to violate Fair Debt Collection Practices 807, 809 and 814. The judges ruling is only pertaining to an affidavit not debt collection practices. I am requesting that Consumer Financial look at the documents and due diligence in holding BWW Law Group accountable for the debt collection practices of this law firm.
My ex-wife made balance transfers to her individual accounts in excess of {$5000.00} on XXXX of my credit cards during the six month period before commencing an action for divorce based upon NY provision that the relationship was irretrievably broken for six months prior to filing the action. These amounts have been charged off on my credit reports and my credit is ruined. I am unable to refinance my property awarded me through NY equitable distribution as a result of these balance transfers. The bank involved says that she was an authorized user on the credit cards, and that I benefitted from the transfers. Does n't the bank involved require my notification before allowing such large transfers to another credit card or issuing a direct check to the authorized user?
BB & T Provided Senior Vice President XXXX XXXX XXXX, provided false statements in Consumer financial Protection complaint, case # XXXX. Provided statement has no records of the account number or Social Security number provided. Account number is XXXX Letter date XXXX/XXXX/XXXX. This letter is the Lead to the International Complaint drafted. Under the Mines and Minerals Act of XX/XX/XXXX.
We are almost about to lose our house due to their inaccurate reporting. 

We have disputed many many times with them and no results. We have confirmed Dispute Results that state the will remove the Items yet they still show up. I will attach the letters. 

Inquiries that are not ours either. We found out we were victims of the XXXX Data Breach. This has cost my family grate harm and we are about to lose everything now. WE have never missed a payment and our fixed debt is outrageous. We will be forced to file bankruptcy and sue them if this doesn't get corrected by early next week. 

We are trying to get funding so we can pay our Credit Card Debt off and we are unable to do so. 

XXXX is reporting outdated info Seterus bought the debt and is reporting dates wrong and outdated information. 
All of which are aware. We have a recorded conversation with a XXXX Executive stating she didn't even have copies of our paperwork. Yet they have verified it as accurate 3 or 4  times? That is a Clear Violation. 

XXXX is an inquiry not authorized XXXX XXXX and XXXX as well. 
XXXX sent us a letter stating that it was fraud and they wouldn't even open it for them. I sent that it to the agencies and nothing!
Hard inquiry made by Capital One on XX/XX/18. Spoke to XXXX agent ID # XXXX XXXX.
CHASE MTG, XXXX, XXXX Its been a total or more than 6 months for this situation with Chase mortgage. Ive asked for Chase mortgage to show me steps that were taken for the verification process between creditor and credit bureau. I am requesting CHASE MTG, XXXX & XXXX credit reporting agencies to show me proof of verification that is supposed to be in your files. By law FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it but you guys are reporting and doing things backwards, there for you are breaking the law. Anything that isnt done appropriately can land you guys in hot water and in trouble with a lawsuit. This is my final attempt to resolve this account and I am requesting it to be removed permanently from my credit file. I have recorded all attempts to contact you through certified mail, FTC, BBB. I am in the process of filing a law suit. Why isnt this account removed from my credit file, the letter clearly says that there is no account under my name
About a year and half ago, I applied and Got an American express issued By XXXX/ XXXX XXXX . The terms were that I was going to get a year of Charges or Transfers at Zero Interest rate. This Credit card Company, abused its power and started to charge Interest during that Interest free Year.
Di-Tech Holdings claims that I foreclosed on a home loan in XX/XX/XXXX. The home was taken back by bank Green Tree Services for {$620000.00} in XX/XX/XXXX, which more than covered the note. I don't know who Di-Tech Holdings are but they have put a negative note on my credit report with the major agencies. They have the date wrong and since they made money there should not be a negative mark on my credit report.
On XX/XX/2015 it was reported that someone opened up an XXXX/XXXX XXXX  Account and charged up to {$3300.00} under my name without my knowledge. Because of this my credit score continues to fall. The company has sent me various letters claiming that they ought to be paid for the balance.
( copy sent to XXXX XXXX XXXX XXXX and XXXX ) I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from XXXX and found out I owed about {$78.00} to XXXX. I paid XXXX I believe in XX/XX/XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called XXXX a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.