WillisBack/dataset-financial-user-claim huggingface dataset:
My wife just received a promotion w/the Feds to XXXX, DC. XXXX ( relocation dept for FDIC ) performed a pre-qualification app on Friday XX/XX/XXXX, to find out that our current mortgage holder, Wells Fargo Mortgage, showed XXXX lates on our credit report. The pre-qual process stopped by XXXX until we call WF to see what has happened. Calling into the mortgage company we find that a few years back my wife and I did a remodification loan to our mortgage - as a matter fact back to back contracts until we could get refinanced. WF says that remod ( lower note from 1700/mth down to $ 1100/mth - a contracted lower note ) each month showed less than the normal mortgage, therefore every payment is showing late. 
We were not informed that the lower payment would reflect as less-than the original monthly payment - netting late payments. AGAIN NO ONE EXPLAINED THAT THIS WOULD HAPPENED. With this in mind, we feel that we were not properly informed about the negative side to a remodification loan ( unless this is an isolated Wells Fargo Mortgage rule only. ) We have sent a letter to WF Written Correspendence Unit. We have also sent dispute into each credit report agency, so we can clear these XXXX lates from our credit reports. So in the meantime XXXX can not go any further therefore interrupting the Gov't employee relocation program
I had a car loan with Santander Consumer for almost 3 years. When I decided to switch for a lease, the loan balance was paid off but there is not an option in their website to stop the automatic monthly payments drawing from my checking account. I should 've called them earlier but did n't do it and they drafted one more monthly amount of {$320.00} and when I called them they told me a prepaid visa card will be mailed with that amount and that I have to wait a month. I spend several minutes arguing with the guy in customer service asking for a check because I just need the cash and finally they told me that they will do it. The guy told me that he started a process to substitute the prepaid visa for a check. 
A week after another person called me telling me that is impossible to send a check but I will be able to get cash from that prepaid card. So he asked me if I agree with that and I say yes. When I received the prepaid card the instructions said very clear that THIS CARD DOES NOT HAVE ATM CASH ACCESS So beside the incredible high interest I was paying with that loan ( I decided to lease a car so I get rid of that loan ) they want to keep my money for longer time and keep earning fees every time I use this prepaid card in every business I will buy from. I do not need this prepaid XXXX card. I just need my money back in cash.
I have disputed the fact that I was never late and there is not a pending foreclosure. My XXXX report has dropped nearly 30 points because of this. I did in Lieu of Deed. XXXX paid XXXX off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with XXXX, XXXX and Experian. There were no late payments either. I need this information corrected on my reports immediately.
RE : XXXX ; WELLS FARGO NEVER requested to its Loss Prevention to have accounts ending in checking : XXXX and Savings ending : XXXX reopened or request to have the " Hard Hold '' removed based on the supporting documents received in Loss Prevention on XXXX/XXXX/XXXX supporting the deletion of the inaccurate and incomplete information by its Affiliate XXXX. The request, was made by WELLS FARGO, was ONLY to close the accounts to cover-up its Discriminatory Practices and VIOLATIONS of ECOA As Amended for protected traits ; race ( XXXX ) ; sex ( male ) ; age ( XXXX ). I have been singled out by WELLS FARGO and retaliated against, treated unfairly in an attempt to " get rid of my accounts '' for filing this COMPLAINT with the CFPB.
I have tried multiple times to contact USAA to have them remove an account that shows a balance of {$550.00}. What happened was I lost my card and I guess when that happens they open a new account. So I have this random account that is 50 % of the limit that is hurting my credit and showing a payment is due. I have disputed the item twice with all three bureau. It looks like XXXX removed it but it is still showing on both XXXX and XXXX. This has been going on for over a year. I figured I should submit a complaint because I need this fixed.
It is   XXXX   XXXX   2017. I have been on hold for upwards of 2 hours attempting to reach an agent in the United States to discuss terms of my myriad federal and private loans with Navient. I spoke with them last month about updating my income based repayment. Now they are saying that my loans are late, although I already submitted the paperwork. Conveniently, the document is not appearing in my document upload portion of the web site. I am sick and tired of the abuse and run around from this predatory lender. In the past, they tricked me into using forbearances instead of lowering my repayments. They only care about profit, not helping customers. My payments only go towards interest, never the principal. This monthly procedure makes me sick. Please help.
On XXXX XXXX, 2015 I sent a formal letter via Certified Mail with Return Receipt requested by USPS to this company disputing and requesting validation for a debt they have listed on my credits reports. This account was posted to my credit reports without my having ever received an initial notice from the company that the debt existed or informing me of my right to dispute it. I have received proof from USPS that my letter was accurately delivered, and according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, the business legally has 30 days to respond to this validation request, otherwise it is illegal to continue collection efforts, including reporting this alleged debt to the credit bureaus ( which constitutes fraud ). It has been over the 30 days allowed by law and they have failed to respond with appropriate validation All I have received from them are a few pages with arbitrary numbers and my name attached to them, with no indication of how these amounts were calculated or that I ever agreed to pay these amounts. They have failed to verify that this debt is valid, that I have any obligation to them for the amount they are claiming against me, or that this debt is legally associated with me in any way. Furthermore, they have reported this debt as " Verified '' when I filed a dispute action against it with the credit bureaus, even though there is no provided proof that it is, in fact, valid. This action constitutes fraud and defamation of character, in addition to violating the previously mentioned debt and credit Acts. For these reasons, I sent a final deletion request to the company on XXXX XXXX, 2015, and gave them 10 days to respond before I file legal proceedings against them.
I applied for a reverse mortgage through One Reverse Mortgage ( " XXXX '' ). Shortly after I submitted my personal information to XXXX at their office in XXXX XXXX, California, I received noticed that my personal information, including my Social Security number had been breached, and someone in the XXXX XXXX area attempted to use this information to obtain over XXXX lines of credit. I believe One was negligent in its obligation to maintain the security of my personal information and that a member of the processing team allowed this information to be used by a friend or relative to attempt to obtain these lines of credit. The person went so far as to attempt a change of address with the United States Postal Service. This breach caused great anxiety and stress, with many sleepless nights for me, just waiting for another issue to arise.
Experian they r very disrespectful people, I did dispute collection this is 6 times, I ask them prove to me thet the XXXX XXXX XXXX, they r providing any proves to you, no respond they r very very disrespectful, I did XXXX letter send them proves, XXXX XXXX XXXX XXXX they could n't prove the debt to me, how they prove that to you experian, I talk to them over the phone also I give them tracking number thet XXXX collection agency they received my documents to provide me withe prove no respond from collection for 8and half month, and how come you experian do n't prove to me, I send them letters proves they ignore them, I threatened them withe law sued they start to XXXX XXXX, so that shows you how careless people they r and how they disrespect r constitutional rights
On XX/XX/XXXX a fraud attempt was made to open an account with XXXX XXXX XXXX using my personal information. I was alerted of this by being a XXXX XXXX member. A fraud alert was placed on my social security and personal information Information was supplied to XXXX XXXX XXXX XXXX account - card services - that this was a fraudulent attempt to gain credit with my personal information. 

Despite the fraud alert XXXX ( XXXX ) continues to make fraudulent credit inquiries XXXX   on XX/XX/XXXX and again on XX/XX/XXXX made fraudulent inquiry on my credit report despite having fraud alerts in place with credit reporting agencies. Again, I was alerted of these fraud attempts by XXXX XXXX. As of today XX/XX/XXXX I now have a security freeze on my personal information with all 3 reporting agencies. 

I have attached information for first attempt to to open a XXXX XXXX XXXX XXXX account was attempted using my personal information. The last name that was used I have not been affiliated with since divorce in XX/XX/XXXX. Again on XX/XX/XXXX same account was attempted to be open this time using my current last name but with same other easily identifying personal information such as social security and date of birth. 

I am also having issues with Equifax refusal/failure to correct my name despite having sent them copies of my FL Drivers License and social security card. There were 2 fraud credit inquires by XXXX XXXX XXXX XXXX on XX/XX/XXXX and by XXXX XXXX XXXX credit card. Information was  given to Equifax by the merchant and copies of the 2 attached letters were sent to Equifax as well, yet the fraudulent credit inquiries continue to show on my credit report.
On XX/XX/XXXX I called Chase Auto Finance to make that current month payment and schedule the next months payment for XX/XX/XXXX. On XX/XX/XXXX I was alerted by a credit monitoring service that my payment was, in fact, not posted and I suddenly experienced a XXXX point drop in my credit report. Chase made zero attempt to contacy me during this period to alert me to a mistake. ( Which was theirs! ) History is a teacher, I have ZERO 30 day late payments in my report. I called on XX/XX/XXXX and was treated abusively by a customer service representive. I was told there was NO record of my conversation and I must be in " financial trouble '' He was extraordinarily abrasive and rude. I called again on XX/XX/XXXX and spoke to agents XXXX and XXXX ( ID # XXXX and XXXX respectively ) and was again told there was no record of my call. I am applying for a mortage in the next 60 days and this misstep in THEIR technology are going to cost me the ability to buy a home. I am asking for a full review of this and an adjustment to my credit report IMMEDIATELY. I am in an unfair fight as I have to just take thier word that their technology is perfect and without fault.
XXXX XXXX XXXX has lost a transaction on mine and I want an answer to the matter.
CIG financial is reporting inaccurate information to the XXXX credit bureaus. I have contacted XXXX multiple times and provided banking information showing how I was never 30 days late. The documentation that they showed me even shows that I was not late. They refuse to respond. I have disputed that information with all XXXX bureaus. XXXX is just taking their word and can not show evidence of me being late.
About a year ago I had to break the lease at my apartment complex, XXXX XXXX at XXXX XXXX, due to work related issues. This resulted in a balance due on my account which I was unable to pay by the deadline and as a result my account was referred to a debt collector, National Credit Systems. When my account was referred to this debt collector the apartment complex provided them with my contact information. I know this because I have been receiving communications from National Credit Systems for a few months now. Today I received a text message from an ex-boyfriend/friend whom I have n't spoken to in about a year stating an XXXX XXXX called his cell phone and left a message looking for me. Upon calling the number that was left in the message I realized the call had come from National Credit Systems and was in regards to the debt from XXXX XXXX XXXX. Even though this company has ALL of my contact information, they somehow felt the need to reach out to the individual I listed as my emergency contact on my rental application in an attempt to locate me. This not only blew my mind, but was rather confusing to me being that they already have my contact information. The phone number they have for me is in service and always has been and they have contacted me on that number before. The mailing address they have is a good address and they are aware of this because I continue to receive mail from them. I 'm not sure if this is normal practice but when I listed an emergency contact on my rental application I was under the impression that individual would ONLY be contacted in the event of an emergency while I was a resident at the complex. I was not aware that this individual would be subject to receive calls from debt collectors attempting to locate me a year after I vacated the property. I 'm not even sure why the apartment complex provided my emergency contact person 's information to the debt collector in the first place.
TransUnion  File # XXXX Date XX/XX/2018 Personal Information : XXXX XXXX XXXX XXXX I have not ever used to obtain credit. I need for TransUnion to provide documented proof of this such name was or used for any type of credit.
I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.

2. Failed to provide copy of the original contact bearing my signature.

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
This is the XXXX complaint against NationStar the continuously reply back extending the time to get back with me. Now I am finding that since XX/XX/XXXX when I purchase my home and later XX/XX/XXXX Nationstar bought the loan no one recorded my deed of trust nor did they record my Modification nor did they tell me that I had a second lien, after several times asking. it appears the modification was never recorded and the original deeds still remain. Since I have this XXXX, w hat happen if I foreclose or short sell. They also told my Realtor the same story I only have ( 1 ) lien with them. Later I 'm thru HAMP and HUD is taking part of my loan so yes I do have a ( XXXX ) lien. Please help, I do not want the home and trying to short sell, but I am afraid of being sued. I have medical bills, divorced and the house was damage XXXX XXXX and insurance only paid a fraction of the damages.
Below  are dates of credit inquiries that I wish to have removed from my credit report Equifax. I attempted to contact customer service at the credit bureau and their customer service would not help and take care of these negative inquiries reporting to my credit report.      XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX    Inquiry    XXXX   XXXX ,  XXXX     XXXX    Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX   Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX     XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX    XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX   XXXX   Inquiry   XXXX    XXXX ,  XXXX    XXXX   XXXX   Inquiry  XXXX   XXXX ,  XXXX
I have asked Transunion to remove the inquiries from my reports that do not belong to me. It was proven that a gentleman at a dealership that i went to was doing fraudulent activities and used my credit. I have Sent in all verifying documentation to transunion and they refuse to acknowledge or remove this inaccurate inquiries.
I have  XXXX   (   XXXX  ) student loans with Navient : ACCOUNT NUMBER  XXXX  Loan Group Number :  XXXX  for {$24000.00} Loan Group Number :  XXXX  for {$14000.00} Loan Group Number :  XXXX  for {$14000.00} My payemnts are not being applied to the principle amount. Numerous emails and conversations have going no where. even after agreeing Customer Service never calls back when promised to resolve. I need some help. I want to finalize the amount and pay off. I do n't miss payments but are starting believe I am being defrauded.     Please let me know how you an assist
In XX/XX/XXXX, my husband and I separated.it was a struggle to pay bills and my mortgage fell behind. I tried to remodifying with the loan service company at the time, XXXX. I was offered a higher payment than when I lived with my husband. I was told that until my divorce was finalized and my ex off deed, they would assume he was still in the house.in XX/XX/XXXX my divorce was final and my ex-husband was off the deed. I also took in a boarder and was working full time.i applied for a remodification with current loan serving company, Shell point.they denied me the remodification and urged me to sell the home. I briefly put the house on the market but changed my mind  because I still have XXXX children living with me.one is XXXX   XXXX and will XXXX XXXX XXXX in XX/XX/XXXX.i tried remodifying again and my point of contact was XXXX XXXX.i worked with him from XX/XX/XXXX until XX/XX/XXXXhe constantly asking me for the same paperwork over and over again.he said that my court order child support letter and my state pension letter.were not good enough.finally he told me that we were at the finishing line.i just had to send him one more thing and they would review my application.thr next thing I knew.my account was transferred to XXXX XXXX and he was requesting all the same documents all over again.i put the house on the market and asked to do a settlement offer but that was denied as well.I am at the end of my rope.i want to remain in my home until my daughter graduates. I am also XXXX now due to XXXX XXXX.we really have nowhere to go at this point. I need she'll point to remodifying me at an amount I can afford to pay for the next year.They never really gave me the chance, just played gave with me.This company needs to be investigated and I need help.. please advise.XXXX XXXX XXXX XXXX, XXXX, ny XXXX
I was out of work for a month due to XXXX. I went to the office where the loan was made and explained that I could n't make a payment for the foreseeable future but as soon as I could get on my feet that I would resume payments. Their solution was to loan me more money. That was the only option they offered. I could not get approved for another loan. 
They have called relentlessly ever since! Even though I have assured them that I had no money for the payment. 
The store manager even came to my house today depending payment! 
A day which the office is closed!
Our mortgage was paid off on XXXX XXXX, 2016 with Ditech. On XXXX XXXX, 2016 our payment amount was automatically withheld, and we received a notification that the refund would be processed within 20 days. The refund still has not been processed and each representative that I have spoken with since XXXX XXXX has provided a different story. XXXX representatives, XXXX stories. Today I was told that the money is escrow. A second re on the same day said the check was released on XXXX XXXX.
Without any explanation other than saying " fraud '', my American Express Serve prepaid card account was closed. I had a positive balance of over {$1000.00} dollars which they have taken away from me. They will no longer discuss my account with me, allow me login access, nor provide any statements. They have provided no evidence of fraud nor a legitimate reason for closing the account.
for the last month I 've received in the area of XXXX phone calls a day from capital one auto-finance ( XXXX ) asking for someone by the name of XXXX. this is not me. I have told this to them at least 20 times. they still refuse to stop calling me. it is taking time away from my employment and costing me money. is n't there a law in place to protect people from harassment from these companies. any help with this matter would be much appreciated.
XXXX, XXXX XXXX, Experian credit reports. Are wrong. Address and accounts I never opened. I know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX   XXXX amount of XXXX. Joint account with a person I dont know never lived in Florida till XX/XX/2017!! 2 accounts from the same company first fraud account XXXX XXXX XXXX amount of XXXX. 2nd fraud account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud fake!! Not mine!!