WillisBack/dataset-financial-user-claim huggingface dataset:
Have been in a complicated process with Wells Fargo Home Mortgage. To make it short - they are foreclosing on my home - EVEN THOUGH IT '' S BEEN SOLD!!! No - not a short sale - SOLD OUTRIGHT!!! They have been provided all the required documentation including sales agreement from XXXX XXXX XXXX. This was given to them in XX/XX/XXXX. They have turned it over to their attorneys and have contacted the local sheriffs office. This is all to pile on as many fees as possible before the closing. The phone calls by me and the real estate company to Wells Fargo have been exhausting. Switch around constantly from person to person who could do nothing. Finally about a week and a half ago, I was in contact with a XXXX XXXX - who I believe is a " higher up '' and she guaranteed me that the foreclosure process was " on hold '' and that I was charged only {$1000.00} in fees ( only? ). She said that she would see to it that the local sheriffs office was contacted letting them know of the situation and that they need not be involved. We were just waiting for the buyers to get their V.A. loan which the real estate agent said would be very soon. Other than that - all parts of the process have been completed - inspection, appraisal, etc. The buyers are excited and ca n't wait to move in. BANG - about a half hour ago, the local sheriffs office came to serve me with eviction papers!!! ABSOLUTELY INCREDIBLE!! The emotional pain and suffering that I have gone through has been incredible and unbearable. I have no choice to meet with an attorney ( XXXX today ) and deal with this matter through that avenue. From what I understand, XXXX is considering the same. Anyone considering a mortgage from Wells Fargo should be advised against it. Even if they offered the lowest possible interest rate it the world - DO N'T DO IT!!
In XXXX XXXX 2017 I sent an actual live check to to Everbank and they held it for 30 days and I reported TO THEM that they held my check to make me default on my loan which i immediately paid on line. They removed the negative mark from my credit report only to place it back. I am trying to obtain a mortgage and I need Everbank to report my credit for the last 12 months and change the late pay!
I sent XXXX a request for validation of an alleged debt. The response sent to me is attached, but it does not constitute validation, pursuant to FDCPA. The information that was sent to me was simply VERIFICATION that an account was owed to XXXX XXXX  XXXX XXXX. The amount that is said to be owed is not congruent, and XXXX has not proven that I am the person who signed a contract with their company or anyone else or that I owe XXXX. 

The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. 

Also, the dates and amounts being reported on my credit report are not congruent to the dates and amounts that were sent. I have attached my proof. This entry on my credit report has so many inconsistencies and I do not have a contract with this agency, and I want it deleted immediately.
I used XXXX XXXX as my cable and internet carrier for approximately two years prior to this alleged debt. Approximately XX/XX/XXXX I transferred service to my roommate at the time in which they had been paying the bill for 2-3 months prior to the transfer of service into their name. I made the XXXX agent that was handling the call that the service was still in my name but the other party had been paying the bill and I just needed to switch the service into the other party 's name and during that call I also made sure the agent was aware that I had not been making the payments but the other party was making payment and the amount due was current at that time and made sure that I was not going to incur any charges in my name and the agent assured me that I would not incur any charges as the service would transfer out of my name. I recently have found that this matter has been transferred to collections and in XX/XX/XXXX or XX/XX/XXXX called Diversified Consultants Inc. that is the collection agency handling this case and made them aware that I did not owe this debt and that i wanted to dispute this matter. I never recieved notice from XXXX that I allegedly owed them anything or this would have been handled at that time. I am not responsible for this debt and the agent handling the call years ago was made very clear of that and assured me that I would not owe anything and that it would simply be a transfer of service and that any remaining balance would carry over into the other party 's name.
I am enrolled in the XXXX XXXX upgrade program administered by Citizens Bank. The bank sends no statements whatsoever annotating payment history, and its online portal does not display any payment history. I am unable to obtain records for the payments I made, all on time and in full compliance with the loan terms, so that I can file the associate expenses for my mobile phone equipment on my 2017 taxes. 

Citizens Bank acknowledged the system was unable to denote the account history and submitted a ticket for repair back in early XX/XX/XXXX. It remains unresolved, and tax filing deadlines are at risk of being missed for business filings. 

The portion of the system that takes the customer 's money works flawlessly. The actual compliance and records portion still does not work, and it will ultimately end up costing me financially due to their inability to provide the agreed upon services.
XXXX : Sender 's Reference : XXXX XXXX : Bank Operation Code : XXXX XXXX : Date : XXXX/XXXX/2017 Currency : US Dollar Amount : XXXX XXXX : Ordering Customer Name and Address : # XXXX, XXXX OFF NO XXXX XXXX XXXX and XXXX XXXX : Account with Institution - XXXX XXXX XXXX Wells Fargo Bank , N.A . Head Office, XXXX XXXX XXXX : Customer Name and Account : A XXXX # XXXX Wells Fargo Bank is refusing to acknowledge receipt of an incoming international wire to my account ( please see the wire info details above ). The sender confirmed with their bank and the intermediately bank that the fund had been received by Wells Fargo Bank. I 've had the same problem with Wells Fargo Bank about XXXX years ago, but it took them 35 days to acknowledge the wire and release the fund. I called their Executive Office earlier and spoke to XXXX XXXX, who was not willing to help.
Freedom Mortgage purchased my loan from XXXX XXXX in XXXX 2015. I made the first payment to Freedom on XXXX XXXX, 2015. Freedom is now saying I did not make the payment but I have a receipt indicating they cashed the check and have the money. I have talked with them every month since and they tell me they will research the issue and call me back - they never do but have sent collection notices, foreclosure paperwork, and have tried to assess late fees. It is now up to me to produce a copy of the deposited check for them to review. They have been anything but helpful unless it involves them sending me late notices and collection notices.
On XXXX XXXX XXXX I received an email notice that a Citi/Costco account was past due with a balance of {$300.00}. This was the first notice that I received about the account, the balance, or the account being past due. Within a few days I contacted Citi and was notified that the charge was for a Costco Membership fee. I told them I had not authorized this charge and I disputed it. 
I notified them that I was aware of the change from American Express to Citi credit cards for Costco. I had received the new card but the card had never been activated. I have been out of the country since XXXX of XXXX and had not received any notifications of the debt until I received the XXXX XXXX email. Before leaving the country no arrangements were made with Citi for the account, because I had never activated the card or authorized any charges to the account. I had not authorized Costco to charge my membership fee to this credit card. I was initially notified that the charge would remain because it had not been disputed in a timely manner. I reiterated that I had not been notified of the debt and so there had been nothing to dispute until I received the email. I disputed the balance and any derogatory credit reporting that had occurred. Upon discussing the issue with a Supervisor, the charge was removed from the account. Further, I was informed that the account was closed and no further charges would be made to the account. On XXXX XXXX I received another email/bill from Citi. This one showing a balance of XXXX. The same day, I called Citi to determine why I was receiving a bill. I was informed that the account had only been provisionally credited and the charge had been reapplied. I reviewed my past conversations. The representative put me on hold a couple of times indicating that she would speak with a specialist. She came back on the line and indicated that because of the time that had passed, the balance could no longer be disputed. I complained that I had disputed the debt within days of being notified. She said MasterCard regulations and system limitations did not allow her to make a change and that Supervisors were unwilling to remove the unauthorized charge as well. This is an unauthorized charge that Citi did not notify me of in a timely manner. According to the Citi representative, the disputed charge was originally reversed then added back on the account because I had not disputed it in a timely manner. She understood that I had not been notified of the debt, but there was nothing she could do. This is a Citi/Costco card. The two companies have a relationship and certainly between them they should be able to resolve this erroneous charge without continuing to bill me. Despite previously being told this issue was resolved I am now told that they are unable to remove the balance from the account. Despite significant tenure with the company, the representative communicated a lack of understanding regarding debt notifications and dispute time frames.
i am in the process of refinancing a mortgage and the bank claims they are unable to get the Experian credit report. i can not get it either ( thru the web site XXXX. no one can answer me what is the problem. even the free XXXX is not available. customer service is a nightmare.
I 'm a victim of a bank fraud scam. I applied for a " loan '' from someone who pretended to be XXXX XXXX. That 's whom I 'm guessing took my information. They had all my information to begin with and were putting fake checks into my account. They deposited four checks and only two was cleared. Someone made " debit card '' purchases for the same amount of {$640.00}. I did not make those transaction even though I had my card on me. Chase restricted my account and took my paycheck as well because they felt I had something to do with this. They did n't do a proper investigation. They ignored that my account was accessed by 7 different devices! 

They believed that I deposited those checks and did those transactions. They treated me so bad through this whole thing. They forged my signature as well! I even put a complaint with FTC and they still believed that I had something to do with this. Why would I go and place complaints if I had something to do with it. They refused my claims twice!! I was even told my the representative in the branch that I went to for help say.. I quote this that they technically saying I 'm at fault and it 's negligent on my part. So Chase is saying this is something I asked for!! That applying for loans to help pay my bills was my fault!! How dare they! They are disgusting! They are trying to make me pay {$740.00}!! Something I did n't do.
I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can pull my file because of the block on my file please remove it at once!!
They keep calling my home phone looking for a XXXX. I have informed them many times that they have the wrong number and they started to call my home more. Now I get calls every other hour for XXXX. The number calling my phone is XXXX nco fnc svc. I work from home and this is a constant distraction to continually receive these types of calls.
Equifax leaked my personal data and credit information because they could n't be bothered to properly secure their web services. Millions of people were effected by this, and we are all at risk of having our identity stolen and fraud committed in our names. 

The fix Equifax has offered requires the victim to wave their legal rights to litigation. Equiifax deserves  every lawsuit coming to them.
I have a 36 month lease for a XXXX XXXX XXXX through GM Financial that was initiated in XXXX of XXXX. In XXXX of XXXX we moved to a new address and advised GM Financial of our move. Our XXXX, XXXX, and XXXX of XXXX bills were all sent to our new address. Then in XXXX the XXXX bill did not show up. I tried calling them, but no one answered the phones. I went to the web site and it was only semi-functional, but there was a message saying their customer service office was closed, no explanation, and would reopen in XXXX! With no other option I copied an old bill, attached a check for the correct amount and mailed it off. This month I got a bill to the correct address, which I promptly paid. Today I got another bill sent to my wife 's name, to our old address, with a charge of {$25.00} for an " EARN TAX, '' and when I called customer service their automated line also had this amount identified and said it was PAST DUE. I sat on hold for about half an hour and finally talked to a customer service rep named XXXX, who was very cavalier and smart XXXX about the whole situation. I worked for XXXX for over 32 years, the last 10 years in XXXX 's Disaster Recovery line of business with the largest businesses and govt. agencies, including State of California for many years. I have a very strong suspicion GM Financial had a major failure or hack of their system and in the process of restoring loaded some bad tapes, at a minimum. I know that GM Financial has thousand 's of customers in California and all of them were victims. The customer service rep tried to guarantee me this would not hurt my credit and that the problem was fixed, but I have a low level of faith at this point. GM has a long history of taking short cuts that put their customers and not just financial but also physical risk. Shame on me for not remembering that before I leased a car from them. I do think this matter should be looked into at the highest level and proper action taken. GM Financial has failed their fiduciarly responsibility to their customers, their stock holders, and the general public.
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
I currently have a rush prepaid account. They guarantee you receive u money two days early and nothing has been posted to my account. I was locked out my account and hung up on enormous amount of times. I currently live pay check to paycheck and can not afford this inconvenience at the time. I call my hr department at work but they said it has already been deposited. I will be canceling my card once I receive my money. They could n't even tell me where my money was since the check is deposited but not in my account.
On XXXX/XXXX/2016 I deposited my pay check and on XXXX/XXXX/2016 authorized ACH transaction Of {$20.00}, {$50.00}, & {$50.00} and it presented to bank next day I.e XXXX/XXXX/2016 my td bank looked to grab the opportunity and cleared my check on XXXX/XXXX/2016 and charged me fees of {$100.00} When I complained the bank reversed {$35.00} .I have never opted in for any overdraft protection but I believe bank delayed clearing my check so to charge overdraft fees.pls help is it legal. 
Thank you for attention
XXXX took over management of XXXX XXXX credit cards. They instituted auto enrollment in credit protection and monthly minimum interest fees. Written notice of these changes was never received. Additionally, my account was suspended due to an overdue balance on the credit protection charge but they continued to charge monthly minimum interest fees on the account. 

Also, XXXX 's customer service for the account has no means of getting to a live person to cancel the account or any web based options to cancel.
They called me at work told me they have won a judgement against me and a court order seizing my bank account and that my direct deposit will be denied and if I have any outstanding payments on the account they will be declined. I was told if I gave them {$450.00} by credit card right then they can begin the process of unlocking my bank account and send if I send them a check in the amount of {$4000.00} within the next seven days they would release the lock and not seize the original debt of {$12000.00} and would send me a letter of the debt. I did but my family said I was scammed and I talked to a lawyer and should them the letter and he advised that indeed I was scammed. They can not collect on a debt from 1995 and the tactics used were unlawful and to call my credit card company and have the charge reversed as fraudulent.
Private loans from XXXX tech were disbursed on my behalf in a fraudulent manner and the loans need to be cancelled/discharged. Proof and documentation are included.
I have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian XXXXXXXX XXXX   XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX ( reported twice on same date ) XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX   XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.  XXXX XXXX XXXX CO XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16.  XXXX XXXX XX/XX/XXXX 17.  XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA XXXX
My card with Chase Bank has an official credit limit of {$500.00}, yet Chase has been letting me charge more than double over the credit limit for over a year. I seriously thought my credit had been increased already because for the past year my transactions have not been declined at the {$500.00} threshold, and are allowed to go up to well over {$1000.00}. Basically, they still get the benefit of their merchant fees for the hundreds of dollars in purchases I make ( and pay off in full ) every single month, yet tank my credit by reporting my limit as half the amount they are actually allow me to charge. 

Today, I called them to discuss reconsideration on my account for a limit increase and it was a lengthy phone call pretending to go over all these things, yet ended in them saying no. They claim all these excuses about why they can't increase it my limit, but those same reasons are not a concern when letting me charge up to more than double my limit? This seems like discriminatory banking geared towards minorities. They are actively destroying my credit with a reduced limit " on paper '' while it is clear the don't think I'm a risk or they wouldn't be allowing charges of more than twice the limit FOR THE PAST YEAR. If they really don't think I'm worth the {$1000.00} limit, then they are allowing charges banking on me going into default so they can charge exorbitant fees! That's predatory lending! 

So which is it, Chase? Do you intentionally target minorities to destroy their credit ( the new redlining ), or are you predators allowing charges beyond the risk point betting on customers to default so you can swoop in and collect your scavenger fees?