WillisBack/dataset-financial-user-claim huggingface dataset:
My name is : XXXX XXXX # XXXX XXXX XXXXAddress of Complaint : XXXX XXXX XXXX. XXXX, CA.XXXXI am requesting Wells Fargo Home Mortgage to send me a typed letter response of how much money was credited to the Principle for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not been able to determine with clarity this information from your job control print outs. Again I am requesting a typed response that directly states how much principle was paid on this loan at the end of each year from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I am also requesting to know in a typed response how much money each year was held as non applied each year and for how long and how much money is still being held on this loan as non applied payments. I am also requesting exactly why are payments being taken and not applied when they are received and cashed by Wells Fargo Home Mortgage. In a typed response please list all Corp Advance fees, including property inspection fees. 

XXXX XXXX
When I finished my rehabilation program with XXXX my last call from them was to congratulate me with completion of the program and to state a new lender would have my loans. After a few month I was awaiting for information from the new lender ( phone call, email, mail, etc ) and I never recieved anything, I was only made aware of my new lenders by randomly checking my credit report and saw XXXX XXXX on my credit report and their contact information. When I called XXXX XXXX 2017 ( picture of call history attached ) I begin to express my concern of why they are on my credit report who who where they. Well, they begin to tell me and also expressed to me that I am 75 days past due and I owe ( around ) 900 $ dollars. I asked the advisor what information did they have on file for me because I have never recieved a call or mail or email stating I owe or need to pay anything and she begins to simply apologize to me and told me she would send me over an email for student debt loan forbearance letter, income driven repayment plan, and an email update request and that was it and I though in the email that would explain why I owe money for late fees. I eventually called back 2 weeks later to ask for the email again that would email why I owe them late fees and I again stated my concern about why I did n't fell I needed to owe any additional XXXX $ late fee due to the fact they never sent me any documentation that I needed to pay anything. I figured the first time j called they stated I had and old address, email and phone number on file that they probably send information to the wrong address. The advisor did not answer my question effectively or give me clarity so I requested to speak to an manager. I expressed again my concern to the ( now ) financial manager and I was put on hold several times during the duration of the call and my phone end up dying, so I called back the op financial manager. She put me on my finally hole ; I 'm guessing to check out what was going on and came back on and states to me " that they did in fact have my updated address on file since XXXX but the mail kept returning back to them '' I then asked it this pieces of mail something I would have to sign for? '' she said " No '' so I said, then why have I not recieved the mail if 1. I do n't have to sign for it and 2. You have my updated address ( which is an aparment and you can just put it in the mail box ) and she said I should have went to check my place of delivery to get it. Since XXXX I have been to my local post office and no form of mail was for me except packages for something completely different. So ... I do n't feel I shoukd have to pay an additional XXXX $ late fees and I never recieved any form of paperwork, mail, or email about them having my loans in the first place. I want to only be responsible for what I owe them originally which should be my student loans. Attached are screenshot or my call 1 call to them email of the only and 1st documentation of their existence and resolution to my " late fee '' problem.
Hi I have written Equifax 4 times about a Incorrect name on my credit report The have listed XXXX XXXX XXXX XXXX XXXX That is Crazy I am a victim of Financial fraud and Identity theft / PLEASE REMOVE " XXXX '' from my credit file. I never had that last name.
Prior to XXXX XXXX, I was given a {$500.00} personal check from my landlord in rejection of my rent, which I had paid her. On the morning of XXXX XXXX, I deposited that check into my account at SunTrust ; the funds pertaining to that check were made available that evening. On XXXX XXXX, I made a withdrawal of {$1100.00}, resulting in remaining a balance of {$70.00}. The following day ( XXXX XXXX ), I received an envelope wherein was a slip of paper declaring that {$500.00} was withdrawn from my account on XXXX XXXX, resulting in a negative balance of {$510.00}.
XXXX transunion XXXX refuses to block lnvv funding toyoyta and XXXX card from my account the fcra law states that they have 4 days to block these accounts from my credit report
Suntrust bank has intense and unrealistic sales goals and tactics. They go as far as calling people ( telemarketing ) but try to describe it as " customer opportunities. '' They are one of many banks with awful sales tactics and how they push them on their employees. They are also one of the banks opening false accounts and credit cards for their consumers without their knowledge
Alerted on XXXX XXXX that my personal information could have been affected by the Equifax data breach.
bank of america applied my payment to the lower interest rate portion of my balance so that my minimum payment went from {$700.00} to {$850.00} in one month Their explanation was the type you get from your local XXXX XXXXXXXX. They said thats the way they are supposed to do it? There is no indication of how they do it there is no ability to pay off the higher interest rate first with a monthly payment. They said the only option was to pay the whole amount. PS this is my second complaint for the same account. 2 years ago I asked them to set up auto pay they failed 3 times with the wrong due date, the wrong routing number and the wrong amount ( a fixed number which didnt cover the minimum ) resulting in more than a half a dozen fines and penalties. When questioned by the CFPB the head person at bank of america actually lied and said I did it which was simply a lie. PS to this day I still dont have autopay set up, probably good I would not have realized this new rip off. PS now i have to look back my monthly payment was a lot lower if I recall perhaps they are ripping me off every month. But I have a business to run
It has recently been brought to my attention that my information has been shared on the internet and on the dark web. This information was given to me through XXXX XXXX, a XXXX XXXX service. As a result of this information there have been numerous hard inquiries associated with my name and social security number. These inquiries include, but may not be limited to, the following : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Misc. 

XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX. XXXX Inquiry from XX/XX/XXXX Personal Services ( Non-Medical ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX-XXXX   Inquiry from XX/XX/XXXX Telephone Companies XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX - XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks
TD Bank without my knowledge or permission withdrew money from my checking account to pay the fee for my safety deposit box! As a result one or more of my checks drawn on my checking account bounced and TD Bank then charged me bounced check fees! I have always in my own hsvevmailed in a check to TD Bank to pay the safety deposit box fee!
Wells fargo converted a savings account to a checking account because of over transaction occurrences in two non sequential months, and then told me that it could not be converted back and that I would have to close the account and open a new account. they said it was due to regulation d requirements. the checking account has fees, the savings did not.
Upon being denied from a lender for too many inquiries. I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Transunion and Equifax report that I did not authorize and had no knowledge of. I contacted Transunion and Equifax immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.       XXXX   :     1.   XXXX   XXXX   XXXX   XXXX   XXXX   2.    XXXX    XXXX   XXXX   XXXX   XXXX   3.  XXXX   XXXX    XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   XXXX   XXXX  5.  XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   7.   XXXX   XXXX   XXXX   XXXX   XXXX   Equifax 1.  XXXX   XXXX   XXXX   XXXX  2. XXXX   XXXX   XXXX   XXXX   XXXX   3.  XXXX   XXXX   XXXX   XXXX   XXXX   4.  XXXX   XXXX   XXXX   XXXX   5.  XXXX   XXXX   XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   8.   XXXX   XXXX   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   10.  XXXX   XXXX   XXXX   XXXX   XXXX   11.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : On XX/XX/XXXX, I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permitted by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX XXXX  Closed : XX/XX/XXXX XXXX {$11000.00} Closed XXXX CARD Closed : XX/XX/XXXX {$0.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive  damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission.
On XX/XX/2018 I made my payment for XXXX first payment which the rep said that it would not show negative on my credit because it was in XXXX days and I would be fine he guaranteed me that. Then I noticed that my XXXX payment was showing past due on my credit which I made my payment on the XXXX which shows on my credit but showed that I feel into the 30-60 days. I informed management and it took a week for them to contact me. XXXX talked to me and was very rude to me Told me if I made my payment on time this would not happen. I never felt so disrespected in my life. He said that I had to do all this stuff for him to fix my credit even though I told him that I could not do all that he wanted. He kept being rude to me and I told him I was filing a compliant. I want all of the negative remarks from Local finance to be removed and I am even going the lengths to pay them off Friday. I have been with them for years and have never been 30 days late with them. XXXX XXXX acted like I was a horrible customer and I will never get a loan with them again. 
Local Finance is the company XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX
I attended the XXXX XXXX of XXXX and XXXX in XXXX Illinois. When I applied for student loans I was told my parents income was too high to qualify for federal loans, even though they were unable to help pay my college tuition, and was forced to take out Private Student Loans through XXXX XXXX. Upon graduating I was unable to repay the loans so I was forced to defer them. Eventually I began to make payments, around XXXX dollars a month. I have been paying the loans on time for over a year now and without warning they have now began taking an additional XXXX dollars out bringing my monthly payment to over XXXX dollars a month. When I called they told me it was because of added interest. When I tried to look into reducing my monthly amount they told me there was nothing they could do for me because I have cosigners. My cosigners are my grandparents, who are not able to help financially, nor would I expect them to, and my aunt who also is not able to help. They are unwilling to work with honest people who want to pay off their depts and continue to up the monthly payment without any type of warning.
On XX/XX/2018 at XXXX I contacted State Collection Services in regards to a medical bill on my credit that was so to them. I was told in order to settle this debt they would have to get approval from the original debtor and it could only be discounted 30 %. I put in an offer. I then called XXXX XXXX Hospital in XXXX Illinois billing which is the original debtor on XX/XX/18 at XXXX to confirm this was in fact a true practice and I was told they had nothing to do with how the debt is handled. I also proceeded to ask to speak with the manager and was told " she '' was out of the office until next week. So I called State Collections back on XX/XX/2018 XXXX XXXX  to check on the status of the settlement. I was told that it was denied and that a counter offer of a different amount was offered. I questioned when this was approved and they informed me they got an answer back on a Saturday XX/XX/2018. I didn't feel like I was being told the truth. So I attempted to verify this with the manager on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and each time I was told that the manager has not received anything from State Collection Services. So after numerous attempts to actually speak with the manager my last call was placed today XX/XX/2018 at XXXX where I was put on hold for quite a while. The first time the receptionist got back on the phone I was told that they still have not received anything from this company. I then was placed on hold again and at this point I was told well we received an offer and what they said is what we approved. So I believe they lied to me and because they hired this company so to save face they went ahead and confirmed what to me is a lie. On top of that the amount I was told that was offered today was different form the amount offered when I spoke with them on the XXXX of XXXX.
I was viewing my XXXX XXXX report and noticed that there were XXXX inquires from XXXX. I contacted them and they referred me to Equifax and Equifax refused to dispute. They redirected me back to XXXX. I am entitled to dispute fraudulent inquires.
COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX To Whom It May Concern : Re : XXXX XXXX XXXX : XXXX I would like to bring to your attention an invoice that I received from XXXX XXXX the amount of : XXXX. I called XXXX during the week of XXXX XXXX, XXXX informing them that I am moving to a new apartment on XXXX XXXX, XXXX. I told the Customer Service Representative ( CSR ) that I would like to transfer my XXXX service to my new address but was informed that XXXX at this time does not provide service to my current location. The address where I had service with XXXX was : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX. I informed the rep that I will be moving into my new apartment on XXXX XXXX, XXXX XXXX Please find additional evidence ). And therefore, would like to have my service disconnected. The CSR informed me that XXXX is planning on having services at my apartment building and if I disconnect the service I would have to pay the reinstatement fee all over again. I told the CSR that XXXX does not appear to have a definite date as to when it will be providing service at my apartment building ( To date XXXX is not providing service ). Hence, I requested for them to end my service on XXXX XXXX, XXXX. I called the CSR again to get my final bill, the XXXX subtracted the XXXX and gave me the remaining balance of what I need to pay which I paid via the automated system. 
Some weeks ago I started receiving calls from the XXXX collection Department informing me that I have an outstanding bill of XXXX, I told the CSR that I just paid the final bill, the CSR informed me that the credit for XXXX that the CSR submitted was rejected by XXXX because my services was not disconnected until XXXX XXXX, XXXX even when I was calling in weeks before, they have telephone calls, and messages where I spoke with a CSR and evidence showing that I had no service at the time, XXXX choose to ignore all evidence and bill me instead. Yesterday, I received a call from a XXXX XXXX, XXXX has sent the bill to Southwest Credit System, ref # XXXX. 





I am therefore, reaching out to the Consumer Financial Protection Bureau for assistance. 

Best, XXXX XXXX
I been contacting Equifax for the last year about fraud inquiries, sending letters and a police report and the items are still there, I am effected by someone else fraudulent act and its not fair, I also ask for proof and I still have not received
XXXX supposedly of XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MS XXXX PHONE : XXXX ; FAX : XXXX originally contacted me at my place of employment around the 1st part of  XXXX, XXXX in regards to a medical bill owed to XXXX XXXX XXXX located in XXXX XXXX Hospital, XXXX, AL. I asked for proof of the debt, which they mailed, and in return, I explained to XXXX that I would also be contacting my health insurance company XXXX for an XXXX, because I have bank records that I in face paid XXXX XXXX XXXX during each visit that I made for physical therapy. 

I have been working to get this resolved, but getting in touch with a representative at XXXX as well as getting copies of cancelled payments from my bank, as we know, takes a little bit of time. I have NOT been ignoring XXXX, and have only wanted to resolve this matter. 

On XXXX XXXX, XXXX, they contacted my place of employment, and instead of asking directly for me, began asking very personal questions to an employee of mine about me. Additionally, they stated they wanted to " verify my employment ''. My subordinate explained to the caller, that they would need to fax something over, and she gave them the fax number. My employee immediately came to me with the number off of caller I.D., and informed me of this. I immediately returned the call to XXXX, and told them I was still trying to get the matter resolved, but they had now over-stepped their boundaries in a very severe way by contacting my office and wanting to verify employment on me. I explained to the lady on the phone that by calling someone 's job and doing an employment verification on them, that that gives the impression that someone is looking for another job. And I told her to NOT fax anything to my office, and to immediately cease all communication with me, and she said that she would. 

On the morning of Tuesday, XXXX XXXX, my supervisor approached me as to why there was an employee verification form on the FAX machine for me, and asked me if it was my intention to be leaving soon. I had to explain to my supervisor as well as my companies regional manager that I was not leaving the company, nor did I have any desire to, and that this was all from a ( what at this point appears to be ) scandalous fraudulent company about a medical bill  that I had. Moreover, the " Verification '' letter they sent, had my social security number on it, and was just lying on the fax machine for anyone to pick up. 

Today is Tuesday, XXXX XXXX, XXXX at XXXXCDT ; and I am requesting and insisting that all communication rather it be via telephone, FAX, e-mail, text message, US Mail, telegram, or messenger from XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX to cease effective immediately, as is my right under the FCRA.
My apt was closed bad on what i believe to be fraudulent activity. I 'm told I 've missed 4 payments in a tow when debits to my checking account shows different. Tried to access my online crefit card account and it was closed after a large payment of XXXX was paid on it. Then was told that that csme almost 7 dats after the account was closed and i had been notified that my acvount was closing. When i told them XXXX XXXX this was industry he became rude and disrespectful. I would not argue so i hot of phone to reach how to file a Formal complaint against he and Bank of America