WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concer ; my name is XXXX XXXX XXXX. <P/>I wrote a check to XXXX XXXX XXXX from my personal checking account with Wells Fargo. I and XXXX XXXX XXXX had an agreement over the phone and I put on back of the check a Restrictive endorsement. The problem is XXXX XXXX XXXX scribbled out the working of the verbiage on back of check. This is the part they agreed to delete this settlement from my credit report. Wells Fargo accepted the altered check and paud them out. I went to 2 different branches and I even spoke to a bank manager today X/X/2017 at the XXXX location and she said they could not return my money even though I told her that Wells Fargo is responsible for paying out when the check has been altered. They refuse to give me my money back.
I have a hard inquiry and my credit report from XXXX XXXX XXXX XXXX XXXX and I did not apply for credit with that company. I have disputed it with XXXX and they did not take it off of my credit report. I also was referred to call XXXX XXXX XXXX by XXXX and they referred me to the XXXX XXXX XXXX in XXXX Florida, and I spoke to a man that told me that a mortgage loan was applied for with an online credit application and that they were going to keep it on my credit report until it 's time limit had expired. I know that it is no big deal, and did not lower my credit score very much ... but it is just the idea of it being on my credit and I am just helpless at having it removed. I have other hard inquiries on my credit report that I am not disputing, but I am disputing this one because it is not mine, and I am being stuck with it on my credit report ... so I only feel that it is fair for them to remove it ... .My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Fl. phone XXXX ... email XXXXXXXXXXXX ... S.S.No. XXXX ... .thank you for your help.
Attached to this complaint is all the evidence and records proving that Equifax is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof.

An investigation needs to be done regarding Equifaxs abusive and reckless method of verification process.

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed.

The following information is being reported inaccurately, falsely and unfairly by Equifax. 

XXXX XXXX XXXX # XXXX Equifax is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Equifax 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Equifax to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Equifax who verified the dispute with XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Equifax can not send me these simple items, then I demand the account be deleted. 

I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 
Equifax must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX  can not hold in court as per the noted court cases. 

XXXX v XXXX XXXX v XXXX/Equifax XXXX v XXXX ( XXXX  ) The Equifax data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent accounts it may create for consumer credit reports! 

At this time, Equifax does not need to falsely verify this account again. The only acceptable thing they need to do now is to delete it immediately! 

I demand to see Equifax 's method of verification and the documents they relied upon to verify this account at the time of my dispute regarding this particular account as per the FCRA.
My credit is getting dinged by a debt collector for services supposedly unpaid to a home health care company. I have asked both the debt collector and the home health care company to detail the supposed billings and the amounts already received and neither company has responded. In the meantime, my FICO score has declined 100 or more points.
On Experion, XXXX XXXX stated that I had Failed to Pay XX/XX/XXXX and XX/XX/XXXX when the account was paid off XX/XX/XXXX. I submitted a dispute with Experion and now the new report shows Failed to Pay for XX/XX/XXXX additionally. The agreement with creditor was that all negative items would come off my report when I paid in XX/XX/XXXX. Now they are adding more bad marks.
I had a private student loan serviced by Discover, which is now paid off. Based on my understanding of the XXXX XXXX consent order between the CFPB and Discover Student Loans, I am a " Tax Information Consumer. '' I did not participate in any of Discover 's tax preparation programs. Accordingly, I believe I am entitled to a payment of {$150.00} ( {$75.00} for tax years XX/XX/XXXX and XX/XX/XXXX ) under the terms of the consent order. I contacted Discover Student Loans to see if there were any procedures needed to claim this amount, or if it would be sent to me. Their representative stated that I would have needed to apply for this payment by XXXX XXXX, XXXX. I am not sure if this is Discover 's actual position, or if the representative was just confused : to my understanding XXXX XXXX, XXXX was the deadline to request tax preparation assistance, not to request a payment in lieu of tax prep assistance.
XXXX refuses to work with me when I call with difficulties and try to adjust payment dates and amounts. They will give me additional time over the phone, but still send me certified mail about a repossession before the agreed upon time.
I have the XXXX Store Card since XX/XX/2015 ( approximately ). I have recently discovered that each month I have incurred a variable fee ( in relation to account balance ) from " XXXX XXXX XXXX. '' Evidently this is a service that can be added to the account so that in the event of job loss, or other significant financial event, the account will be protected from going into default. 

I did not request or authorize this service to be added to my account. 

I have reached out to this company at XXXX on numerous occasions. I have been told that I authorized this service when I opened my account. This is absolutely incorrect. I have asked repeatedly that the company provide documentation to substantiate this claim - they have not been willing or able to provide any proof.
To whom this may concern, Attached is a slightly outdated version of my tax documents. The highlighted items are fraudulent items submitted by Scottrade. Upon receipt of a police report and supporting documentation the IRS removed these items. However, shortly afterwards, Scottrade, in order to retaliate and discourage a Whistleblower, submitted them back to the IRS. 

This back and forth and the failure of Scottrade to take responsibility for their faults has caused me enormous headaches when dealing with the IRS. Essentially, when Scottrade and the IRS continue to change what it submitted to my tax return, the amount of tax owed keeps changing. Resulting in refunds, that then result in deficient payments, that go back and forth with utter confusion.
I have XXXX issues with the servicing of my loan by Wells Fargo Mortgage. I would first note that I am in XXXX right now due to a family illness and my mail had been forwarded from my home in XXXX to my son 's home in XXXX for the last few months. 
1 ) Late application of payment without notification. 
a. I had a monthly payment change for the XX/XX/XXXX payment from {$920.00} to {$1000.00}. 
b. I have payments automatically sent from my B of A checking account in the amount of {$1000.00} per month. 
c. The received they {$1000.00} on XX/XX/XXXX and put the funds in unapplied. 
d. I received no notification of this application and find no notification of the monthly payment change due to escrow analysis. 
e. I became aware of this when I XXXX on to their site to get information for my income taxes. Seeing the payment was not applied I called them on XX/XX/XXXX. 
f. I explained my issue of the unapplied funds, lack of notification and requested a copy of any communication regarding the escrow change or the fact my payment was not processed for such a small differential. In addition, I advised that I wanted a corrected XXXX reflecting XXXX payments of interest. The interest portion of the XX/XX/XXXX payment is for the interest for XX/XX/XXXX as mortgage interest is in arrears. 
g. To date I have received nothing but promises and delays. 
2 ) Interest rate change a. I received a notice of interest rate change dated XX/XX/XXXX around XX/XX/XXXX. It was forwarded from my home in Florida. 
b. The interest rate change is for XX/XX/XXXX with a payment change as of XXXX. 
c. To lessen the minimum monthly payment on the loan I contacted Wells Fargo on XX/XX/XXXX about paying down the balance prior to the interest rate change date. I was advised that someone would research it and get back to me I XXXX days. 
d. XXXX I was told that I was " eligible for a recast '' but the pay down had to be at least XXXX which is more than I want to pay down. 
e. I advised them that this was not a recast, it was a pay down prior to the affective change date. They disagreed. 

Please note that in both of the above cases I informed the Wells Fargo personnel that I am retired but had managed mortgage servicing for XXXX years, I had a copy of the XXXX XXXX, rider and deed in front of me as well as the FNMA XXXX and see no reason they can not do as I asked. In particular the pay down issue. 
Note that the property address of XXXX, XXXX RI is different from my mailing address of XXXX, XXXX Fl XXXX
This debt was OFF of my XXXX report!!!!! It NEEDS TO STAY OFF!!!!! I just looked at it, and it 's back on there!!!! I 've never had this credit card in my XXXX life, and it 's under my maiden name!!!! It was for {$7.00}, then increased to {$770.00}!!!! These people DO NOT LISTEN!!!!!!!! I have tried communicating with them in the past!!!!! Unacceptable!!!!! I AM NOT paying for this!!!! I did n't do it!!!!
I filled a complaint before seeking some documents from US Bank. I have since received such documents. This complaint is as a result of the information in the documents. 
====== I got a balloon mortgage in XXXX XXXX for {$290000.00} at 4.5 % with monthly payments of {$1400.00}. US Bank is the mortgagor. In XXXX XXXX, the balloon amount/remaining principal in the amount of {$250000.00} was refinanced at 6.135 % with monthly payments of {$1700.00} and the last payment was due on XXXX/XXXX/XXXX. 

The terms of the loan was changed without my knowledge or consent sometime after XXXX XXXX by US Bank - monthly payment was increased and loan maturity date was also changed to XXXX/XXXX/XXXX. 

Also, between XXXX and XXXX, my principal balance went from {$290000.00} to {$250000.00}. However, from XXXX to present, my principal balance only went down rom {$250000.00} to {$240000.00}. I know the interest rate went from 4.5 % to 6.135 %, but interest rate alone does not explain this minimal drop in principal. 

I have attached documents showing - Original balloon loan in XXXX for the numbers indicated above. 
- The XXXX refinance showing the figures indicated above. 
- The XXXX XXXX mortgage statement that shows my maturity date of XXXX, principal balance and monthly payment amount. 

Meanwhile, I applied for loan modification and was offered a XXXX loan with payments of $ XXXX. Also they may foreclose on the house. 

I seek a modification of my mortgage, balance and monthly payments reflecting the agreement I signed in XXXX. Also, I want to keep my house. 

Thank you.
It is now my third time disputing the erroneous information that you continue to report on my credit file. This is the final letter before litigation. T For the final time I am unaware of the accounts listed on my credit file. I am a victim of identity theft and I have provided documents previously to you. I was also affected by the credit breach with XXXX and XXXX. I am disputing the accounts as an affidavit and an internal dispute. The error accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am giving you 5 days to investigate this internal dispute and I am keeping record of all letters information and etc leading to our day in court. My next step is definitely to seek litigation. Please remove all other address, Names, and Accounts and inquiries your company reports continues to report erroneously. The correct information is listed below. I will follow up with a call within 2 days to get this issue resolved permanently. Remove XXXX XXXX XXXX XXXX FL XXXX. This isnt my address which I have stated time and time again, I am unaware of that address and the accounts affiliated with it. It seems erroneous and fraudulent. I wont mention it again. Its been well over 4 months and 3 disputes later and the erroneous information remains on my report and it isnt mine. By law it must be removed immediately today. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
They are continuing to call and harass me even after I speak to a representative and either make arrangements with them or tell them of future arrangements. The reps are obviously not documenting the accounts properly because I continue to get phone calls almost every hour on the hour. From what I understand, once I speak to someone they are not supposed to continue calling.
I received an alert of new data reporting and account take over today. In result of an investigation initiated XXXX XXXX XXXX retaliated reported conflicting adverse affect my consumer file reported to 3rd parties. Experian continues to allow XXXX XXXX XXXX to file erroneous information that make no sense XXXX XXXXXXXX XXXXk allege high balance {$2600.00} was granted with a most recent payment was {$2800.00} on account XXXX sold to XXXX  updated XX/XX/2018. Experian continues to be negligent and does not investigate trust wiith any Creditor that /pays a monthly fee for unlimited access to consumer files. On another account XXXX XXXX XXXX updated account history with failure to pays with 0 % credit usage and 150 % credit usage based on updated information on closed accounts, charged off
My name is said to be one of the millions of people that had personal and financial information hacked, in the Equifax security breech 2017. If anything should happen to my financial information or credit because of this breech, I want XXXX to be held responsible and to correct the situation.
After successfully using the  PAYPAL  website for many years, I recently had a very disappointing experience due to  2  claims filed by a vendor that i provided services for.  <P/>  XXXX   XXXX   XXXX  first filed a Non-receipt claim on  X/XX/17    (  XXXX  ) the claim was decided in my favor.  ( See  exhibi t 9 )  He then filed a fraudulent chargeback for the same payment on  X/X/17    (  XXXX  ) and Paypal, even though the first claim was decided in my favor and i submitted documentation proving my services were proprerly rendered, took the money back leaving my account in the red.  <P/> The language on  Paypal  's website misleads people into thinking they have more protection than they do. The language about protecting against fraud and fraudulent buyers is overly broad, when in fact the actual protection against fraud is very narrow. Not only are there misleading terms of non-existent protection, there is negligent omission of the frequent losses Paypal seller 's incur when fraudulent " quality of merchandise '' and fraudulent chargeback 's are enacted.  <P/>  Paypal  has a legal obligation to make it clear that : a. ) Chargebacks are common.   b. ) Seller is out of luck and stands to lose almost unlimited amounts of money and goods and that Paypal offers no protection whatsoever from this.  <P/><P/> I ONLY agreed to receive payment for services through  Paypal  because i had a REASONABLE EXPECTATION ( based upon Paypal 's terms of service and other language on the website ) that i was going to indefinitely keep the money Paypal sent me. If one does not have an expectation to indefinitely keep Paypal monetary transmissions, there would be no reason to receive payments based on this. If Paypal funds are not mine to keep permanently, but are in fact merely loans,  Paypal  should make this VERY CLEAR in conspicuous places.  Paypal  should inform that funds dispersed to sellers based on credit cards, are potentially temporary loans, frequently subject to retraction, based upon the whims of the credit card holder. Paypal should warn the Seller, that it is a frequent occurrence that Sellers send goods, receive payment, but then have to forfeit the same payment amount, back to Paypal, and as frequently happens, lose their money and goods.  <P/>  Paypal  says they protect against fraudulent buyers, and against fraud, but a fraudulent chargeback is fraud, and you offer no protection at all.   This is a clear case of  " Det  rimental Reliance ''  since i relied on Paypal 's misleading statements and contractual relationship to my detriment. I had a reasonable expectation to keep the money  Paypal  gave me when i rendered services to a customer, but Paypal unduly allowed for those funds to be taken back, with no regard to the possible fraudulent nature of chargeback claims.
I had Home Equity line loan from Wells Fargo, which was discharged through Bankruptcy Chapter XXXX, Bankruptcy was filed in XXXX and discharged in XXXX. Wells Fargo is reporting it to the Credit Reporting Companies after the bankruptcy discharge date in XXXX. The last reporting date is XXXX. This is negatively impacting my ability to secure Re-financing of my house. Reporting after the discharge date should be deleted from my credit reports. However, they can report it before the discharge date in XXXX.
Student Advocates as well as equitable acceptance took money and did not pay on student loans. Stated that monthly payments were service fees. I spoke to federal student loan advisors and they stated that companies like this take money and never pay. I am now dealing directly with XXXX. and paying student loan.
To wh om it may  concerns, I am writing regarding a few accounts that have been on my credit report with Transunion for more than 7 years. I have contacted Transunion many times and they have refused to assist me. These accounts have been satisfied and closed with a   XXXX   balance but Transunion has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Transunion and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court paper against Transunion because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance should be remove/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts   XXXX   XXXX   XXXX   :  Account #  XXXX   XXXX   XXXX   XXXX   Account  #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   SD   XXXX   Thank you
I opened a USBank checking account because I received a personal invitation through email that they are offering {$200.00} bonus if I open by XX/XX/18 and do what is stated in the email ( such as Direct Deposit etc. ). It has a unique offer code, and non-transferrable, which means it is specifically for the email recipient ( me ). Please see attachment. I did so, but till today, I still have not received the bonus. I contacted, and the agent said I was not qualified because I had a checking account before. Then my question is why they sent me the email in the first place knowing I already had a checking account ( which was already closed months before I received the invitation ).
PROCOLLECT , INC XXXX XXXX XXXX XXXX XX/XX/XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I have paid this. and they still have this on my credit report.
I filed a complaint on this website about a 30 day late payment and the company responded that I wasnt ever 30 days late. I asked XXXX to update my credit reports back in XX/XX/XXXX and as of today XX/XX/2018 nothing was updated. My credit is seriously impacted by this 30 day late on my credit report. I was denied opening up a new account today because of my 30 days late being reported.
On X/XX/17 I charged my XXXX vacation to my XXXX XXXX card. This vacation reservation was made through guest services as I received 2 complimentary days and a discounted price for the remainder of the days. The only reason I had them put the charge on my XXXX XXXX was to receive the 0 % interest for 6 months. On the day I made the initial charge, XX/XX/XXXX I called and spoke to a manager at XXXX XXXX to confirm that this charge would receive the 0 % interest for 6 months. The manager I spoke to confirmed that 0 % interest for 6 months would apply based on the code he checked on the charge that came through that day. I made it very clear to him that I was confirming this to be sure it would in fact qualify or I would have called XXXX to have them reverse the charge and I would have put it on my XXXX credit card that has better benefits. I was ASSURED by the manager that I would be receiving 0 % for 6 months on the charge of {$7300.00}. I also requested he put our conversation in the account notes so there would be no question later, when the statement came. I could not believe that that when I received my statement they would not honor the 0 % for 6 months. I spoke to 2 different managers on X/XX/17 to no avail. They told me to try writing a secure message. I did this and the responses never addressed the manager confirming that I would receive this benefit. They only would say that the charge code from " XXXX XXXX XXXX '' does not apply for the offer. When I spoke to XXXX XXXX Card managers in XX/XX/XXXX they all confirmed that there was a note from the manager I spoke to in XX/XX/XXXX stating this vacation would qualify for the 0 % for 6 months, but they would only say that he made a mistake. I was forced to find a way to pay for the vacation in full or pay interest on {$7300.00}.
I received a call from an " Unknown '' number claiming I was being brought up on charges for check fraud. They also called my mother. XXXX XXXX left a voicemail so I called the number she left XXXX XXXX ext. XXXX ) and tried to get information from XXXX XXXX who says she works for ARA the Process and Summons division at my XXXX District Court. She told me she was sending people to my house and every address she had on file until they found me ( I felt threatened ). She was extremely rude, told me she does n't want to talk to me to just go to court because I ca n't pay my bills and to " get off my line '' and hung up on me when I asked for a validation notice and the name of the company and address.