WillisBack/dataset-financial-user-claim huggingface dataset:
I recently filed a complaint against my mortgage servicer Wells Fargo, addressing various improprieties and misrepresentations they have engaged in while handling my loan. Wells did respond and gave their version of events relating to the origination, the illegal disbursement of insurance checks, and the failure of Wells Fargo to offer any type of path forward to resolve this matter. In their response letter they emphatically stated that they are " done with me '' that they have already offered me help on multiple occasions, thus they will not even CONSIDER my current financial situation. This is a violation of federal, state and internal protocols. Wells Fargo is obligated to review my CURRENT and CORRECT financial circumstances in order to determine eligibility. They CLAIM in their response that I did not qualify for any programs and that my loan had a negative npv, but they never provided me with a detailed denial letter listing the inputs and values that they used, nor a listing of the programs that I was reviewed for. Based on Wells reputation with consumers and being straightforward I find it hard to believe that the information used to conduct this review or assessment is accurate -- additionally, according to their timeline this review occurred TWO YEARS ago. Things have changed, my financial situation has improved, I have my daughter and son in law living with me and they are working and contributing to all household bills. I have increased my sales and commissions each year from my XXXX XXXX job and Wells does not have any of this information on record. It is disturbing to think that they are going to refuse to even consider my situation at this time because I have been a " difficult '' customer. 

There is precedent to support my contention that this is a predatory mortgage loan. My current interest rate of XXXX % proves that beyond a shadow of a doubt. Wells Fargo and XXXX XXXX claim that they have no responsibility or liability because I " signed the loan docs and did not cancel the loan. '' I beg to differ. I was misled as to the terms of the loan at origination, XXXX is a notoriously shady lender, and I requested the original loan paperwork which would document and prove my claims of malfeasance. Why ca n't they provide a copy of the loan application and the 1003? Instead they try to put it back on me and avoid responsibility. Perhaps the courts will be the ones who decide how this plays out. 

I appreciate the background on the insurance claim checks and Wells version of events. I have disputed these facts for several years but it seems that this is not going to change anything. 
At the end of the day my goal is to get this matter settled and behind me. Please work with me to resolve this matter and offer a plan to put me back into current status on this loan so that I can resume making regular payments.
Exeter finance states that on XX/XX/2017 I applied for a loan which I never did. There are hard inquiries on my credit reports with XXXX XXXX, XXXX  and XXXX. I called Exeter finance and they stated there were no accounts under my name and they wouldn't take this fraudulent hard inquirie information off my credit reports.
We were sold a timeshare by XXXX XXXX XXXX in XXXX in XX/XX/XXXX. We paid a 10 % deposit and made 6 months ' worth of payments. We tried to make reservations but there was never any availability. We tried to contact the sales department via email and phone, but they never responded. Because of their lack of response and no availability we discontinued our payments. Our account was canceled and closed by XXXX XXXX on XX/XX/XXXX. Two months later XXXX XXXX XXXX began calling us and trying to collect {$14000.00} on behalf of XXXX XXXX. The caller was very aggressive and threatening in her language. We had never stayed at the property since our initial visit in XX/XX/XXXX. We were not able to reserve any dates at the property. This timeshare company is a scam. We should not have to pay for something we never used and could not use. XXXX XXXX XXXX should not be calling us to collect for a canceled and closed account that was never used.
Back in XX/XX/XXXX I noticed a lot of address that did not belong to me on my experian credit report. Also I noticed names that did not belong to me and a birthday. I contacted Experian through mail and sent a copy of my drivers license, ss card and a utility bill. They did not remove the wrong information. 

XX/XX/XXXX I sent another letter notarized with my Drivers license, ss card and utility bill. They sent me a report back XX/XX/XXXX and they still did not remove the wrongly reported information from my report.
I did not receive corresponding documentation pertaining to what i owe or why I owe. Please provide the EOB date of services, medical bill charges, what was covered, how much money the insurer considers to be reasonable and customary, the amount that went towards your deductible, copay and how much money you might be responsible for. I have NEVER received any phone calls, emails, letters ( certified or regular ). I have XXXX people in the city of XXXX as well as XXXX, Texas with my name. I have continued to receive phone calls pertaining to him. I am not him. I am a XXXX.
The Rep has called me at least 4 times per day with stating that they will take some kind of legal action.
Title loan with XXXX finance. I may owe more than the car is worth, due to their interest rates and late fees..
I opened a checking account after receiving a promotional flyer in the mail. I would receive a {$400.00} bonus for :  1. making 10 debi t card purchases by  XXXX   XXXX    XXXX   2. enrolling in online statements by    XXXX   XXXX   XXXX  . 3.  registering for the promotion using the referral code. I opened the account on  XXXX / XXXX /  XXXX   following the directions. I enrolled in online statements and made the debit card purchases as required. I did not receive the bonus. When I inquired with Regions, I was told many different reasons ( I qualified, but have to wait 6 months from account opening ; I did n't register the account correctly ). I finally emailed and received an elevated inquiry with customer solutions. It was said that I was n't enrolled in online statements. The system showed that I enrolled in online statements on  XXXX / XXXX /  XXXX   but then unenrolled the same day. I did receive a paper statement in  XXXX . I sent a secure message via my online account to inquire about this on  XXXX / XXXX /  XXXX  . I did not receive any detailed information ; only the directions to enroll in online statements. I re-enrolled, even though I never unenrolled. For this reason, I feel like the company is witholding the bonus due to a computer error, not my own. I followed up with customer solutions, who informed me that the branch manager where my account was opened  (   XXXX   XXXX   XXXX   XXXX , GA  XXXX  ) could override the decision. I first spoke, then emailed  XXXX   XXXX , a branch banker who said he 'd help me. He did n't respond for a week after I provided him the information and I emailed him again. His response stated that he could not help. I called customer solutions again and had the representative (  XXXX  ) contact the branch manager on my behalf. The branch manager,  XXXX   XXXX , would not override the decision.
I am   XXXX   XXXX   XXXX   XXXX   and use   XXXX   XXXX   XXXX   phone which is not compatible  with   VOIP nor headsets and it is noted on my account to remove the headsets and not to send me overseas. If overseas and sent back there is always a bad connectio n.     I tried to put an item in dispute too and it should win. If it is a problem I will really be ready to close the account.     I am so tired of being hung up on and fought with to hear.
While looking at my Equifax report, I saw that two addresses list are places that I've never lived Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX IOWA XXXX Equifax Former Address XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX I have been a victim of Identity Theft, but wasn't sure what option to select when filing this complaint.
Calls business XXXX and leaves pre-recorded message for xxxxx to call. i called back and said it is me but they want me to confirm address, etc. i said i will not answer any questions, but please tell me what debt i owe. he indicated he can not proceed without verification. well, they have enough info to call my business ... .for which i return the call. but i will not give them more ammunition to continue harassing me. i owe no debts to anyone. i get nothing in the mail trying to collect debts other than some college thing from XXXX for {$200.00} ... .that now seems to be $ XXXX depending on what agency is buying it. if this is what they are calling about, i am shocked a college debt 20 years ago is still trying to be collected. i do n't even remember the complaint i had with the original company back then, but there was a reason. the company calling is penn credit www.penncredit.com XXXX.
XXXX XXXX XXXX is reporting a foreclosed XXXX mortgage to my credit report with inaccurate dates. They are intentionally leaving this as an open debt to protect me from me from being able to purchase another home. I am unaware of who this company is and lost the property they are referring to in XXXX when I went through a divorce. This is now an unsecured debt. They are erroneously reporting the date of last activity in XXXX. This company has not received any payments from me since XXXX. The account should be in " collections '' instead of an activity account.
I do not know who these people are trying to collect a debt, if I owed this money they would have sued in a court of law in which they have not done..i do n't owe these people money and I dispute those charges they say I owe.take this off my report.
I reached out to SCA COLLECTIONS INC because the entered an erroneous entry on my credit file. On XX/XX/XXXX, I sent them a letter demanding that they verify and validate the debt. I have received no such verification or validation and they are still illegally reporting on my credit report. I have contacted them by email and by certified mail ( see attachment ) and they have not responded or attempted to contact me. This is a violation on FDCPA, by law they have 30 days upon request to produce and verify ownership in the form of a legally binding document to show proof that they can legally collect on this debt. I do not own this debt and I have no knowledge of it. Please remove this entry from my credit file per FDCPA or I will seek payment as outlined by law for the multiple breaches of FDCPA that are due to me per FDCPA. Please find below the original letter sent, along with the certified mail receipt.
In XXXX XXXX I started having financial troubles and as a result I fell behind on my payments with my car. I called Nissan Motor Acceptance and tried to set up arrangements to bring my account current. I was rudely told by the rep that " I should call back when I have the money '' It was also stated that not much help could be extended to me since this was a lease and the money was to be expected every month. 

XXXX XXXX, I was in a accident where the other car clipped the front end of my car and caused damage to the front bumper. I had to pay {$1000.00} deductible in order to get the car fixed. I tried to keep Nissan in the loop as much as possible. 

Any money I had I tried to put towards my past due balance. In XXXX XXXX the car was repossessed and I called Nissan trying to figure out what my next steps were. I was told that I had 15 days to come up with {$2500.00} or else the car would be sold at auction and I could participate in that. 

To date, I 've never received any Pre-repossession notices, post notices or notice of sale. 

As of XXXX XXXX, I had {$6300.00} remaining on my lease. After the fees from the repossession the balance became {$9800.00}. After doing a vin search I found out that the car was sold for {$12000.00}. 

Nissan Motor Acceptance has not followed certain rules under the Uniform Commercial Code. I was never given the opportunity to attend any private or public sale of the vehicle.
I WILL SEND YOU SOME UPLOAD PROOF THAT THESE ACCOUNT ARE NOT MINES AND NEED TO BE REMOVED TODAY .... 

XXXX XXXXXXXX XXXX XXXX THIS ACCOUNT ARE DELETED FROM XXXX   AND XXXX  AND THEY DONT BELONG ON HERE EITHER.!!!!!!!!!!!!!!! 

THE XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT LISTED KNOW WHERE ELSE ON MY CREDT REPORT AND IT NEED TO BE REMOVED NOW!!!! ITS NOT LISTED ON XXXX  OR XXXX AT ALL. 

FIX MY CREDIT SCORE BACK TO A XXXX AND ANOTHER THING I BEEN ASK EXPERIAN TO VERIFIED THESE ACCOUNT AND THE XXXX   SYSTEM THEY USED IS OUT DATE THEY KEEP SENDING THAT SAME ONE PAGE LETTER WE VERIFIED I ASK EXPERIAN GIVE ME THE NAME AND NUMBER OF THE PEOPLE THEY TALK WITH THESE COMPANY .. THEY REPLY AND SAID NO I TOLD THEM BY FARE CREDIT REPORTING ACT THEY ARE REQUIRED TO MAKE SURE ALL INFORMATION IS 100 % RIGHT NO ERRORS THESE ACCOUNT ARE DEAD WRONG PERIOD FIX MY SCORE BACK TO XXXX AND DELETE THESE ACCOUNT NOW
XXXX are reporting a debt that does not belong to me. Please handle and remove from my credit report
I have been working with Bank of America to do a loan moodification to save my home from foreclosure for almost a year. I have submitted documents over and over to them, via XXXX and they claim to not have received them even though I have sent them in envelopes with lables supplied by BofA and have tracked them and showed they have been delivered to BofA. As of today they said they are moving forward with foreclosure because they said they have not received documents that I have proof via the XXXX tracking label that where received by them. It seems as though they are doing everything to keep me from getting a modification. I have a foreclosure sale date of XXXX/XXXX/2015 and I am not getting any where with BofA. I need help.
Credit Acceptance Corporation ( XXXX ) failed to honor a reaffirmation on my auto loan following a XXXX bankruptcy filing ( dischargedXX/XX/XXXX ). I continued to pay {$310.00} to XXXX via automatic payments from my checking account without interruption. I later found XXXX had closed my account, and had not been reporting my timely payments to the Bureaus ( XXXX ). Between the time of the bankruptcy filing and my finding XXXX had not been counting and/or reporting my payments, I had paid them at total of {$1800.00}. Their report to the Credit Bureau reflects DFD/DLA of XX/XX/XXXX. I had absolutely NO default at this point, and had continued to make timely payments through XX/XX/XXXX. Following the discovery, I contacted XXXX and voluntarily surrendered the vehicle ; however, they are reporting it as an involuntary repossession. XXXX is now attempting to litigate against me in Civil claims court for the vehicle despite their having closed my account and kept my payments without reporting them.
I received a collections letter dated XX/XX/XXXX ( copy attached ) from Williams, Alexander and Associates about the account with XXXX XXXX XXXX, the medical provider. I disputed the collections claim on XX/XX/XXXX ( copy attached ).
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Also, my husband, XXXX XXXX, had a detailed discussion with XXXX XXXX in their office around XX/XX/XXXX. He explained to her how the claim was incorrectly submitted and also that we would be disputing the account. She said that she will make a note of it and assured him that when the account will be reported to the credit bureaus on XX/XX/XXXX it will be marked as disputed and it will have no effect on credit score until a resolution is reached. They record all calls so there should be a record of the call.
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They sent me an acknowledgement letter dated XX/XX/XXXX ( copy attached ) confirming that the account will be notified as disputed when it is reported to the credit bureaus. They also included an explanation and EOB for the services provided.
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I contacted XXXX XXXX XXXX again starting XX/XX/XXXX asking them if they have submitted the claim correctly and then worked with them and XXXX XXXX for the next 3 weeks to resubmit the claim. Because the claim was over a year old, XXXX did not honor it. In good faith, I went ahead and settled the claim on XX/XX/XXXX for the new amount of {$420.00} ( see updated statement and receipt attached ).
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My understanding, from conversations with XXXX at XXXX XXXX XXXX, is that she contacted Williams, Alexander and Associates immediately stating that the account has been settled. This should have closed the case.
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I would like to bring to your notice a few concerns I have : First, the explanation provided in the letter dated XX/XX/XXXX is incorrect and it doesnt look like proper research was done. The medical provider, XXXX XXXX XXXX XXXX, should have submitted the claim to XXXX XXXX for XXXX, instead they submitted it to XXXX ( see EOB ). Because of the incorrect submission, the claims were denied.
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Second, Williams, Alexander and Associates mentioned over the phone and in writing that the credit bureaus will be notified that the account is in dispute. Instead, the credit bureaus were notified incorrectly that the account is severely overdue and no dispute was recorded ( see attached credit bureau report ).
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Third, the account was fully settled on XX/XX/XXXX and XXXX, from XXXX XXXX XXXX  notified Williams, Alexander and Associates immediately about it. This should have eliminated the need for any reporting to the credit bureau and it was done before XX/XX/XXXX. But they ignored the notification and still reported derogatory information to the bureaus.
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As a result of these mistakes and incorrect reporting to the bureaus, my credit score has dropped from the XXXXs to the XXXXs across the three bureaus. I found out about this the hard way because the APR for loan that I was about to originate doubled from 8.98 % to 16.97 % and because of this I was unable to originate it. Ill be happy to provide evidence of this.
Equifax is inaccurately reporting an account for a previous car loan with XXXX XXXX XXXX that has been removed from other credit bureaus because the car was returned and the balance satisfied. When asked Equifax to remove this item they are using my name and identifying information to confirm the account without properly checking the records for this loan.
Was charged for an internet modem. The modem was deposited into a return bin at XXXX. I called two days later to confirm they had recieved it and they said that they did and that everything was satisfactory.
Im getting a loan from coumpny and they are not letting me do what i need to give to the loan coumpny to give me the loan this is not right at all i try to ask my bank to let me have full access to my online banking and to let me be able to put check in my checking account by my mobile deospt and still have not aloud me this is why i went with this bank
I have an open account with Capital One. I am trying to rebuild credit, but for the last 2 months the card has stopped reporting to all three repositories. 

I have contacted Capital One, but I just get sent to a CSR in another country who does not understand what I am asking about.

I want Capital One to report my open card, as I have paid on time since I opened it a year ago. I dont see why they suddenly stopped.
Bank of America charged fees for a payment that was sent on the XXXX of the month, when their new monthly cycle starts. I called them and they would not refund it. XXXX XXXX XXXX XXXX.
A collection attorney named Forster & Garbus is trying to sue me for a XXXX XXXX credit card account that is no longer on my credit report. The credit card account is from XXXX which is more than seven years ago. I live in New York XXXX XXXX XXXX XXXX XXXX the statue of limitation is XXXX years on credit card accounts. I do not want this collection attorney to try to seize my checking account because I am barely living above the poverty rate. I can not afford to pay this debt and plus the debt is more than seven years ago and it is no longer on my credit report. The debt is pass the statue of limitations in New York State.
I have not recieved my deposit from XXXX, i was supposed to get it last Friday and as if today no deposiit. I have XXXX. I can not get my medication to XXXX. I am running out of electricity, no food. And all I get from Rushcard is we are working on it. What am i going to do. I am hoping i do not end up in the hospital.
I sent the the attorneys, XXXX, the firm that is representing Portfolio Recovery Associates LLC requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe Portfolio Recovery Associates LLC. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.
Repeated calls to my employer, family members and contacts of mine asking for personal information about me .... I have not received any calls, messages or mail directly to myself regarding the matter. 

Ive notified them by emails as well as verbally to not contact or harass these people
I inquired as to auto loan rates on XXXX and after a few days I started receiving credit inquiries on my credit report. I did not apply for an auto loan with XXXX, but they sent out loan requests to creditors. My complaint is against XXXX for unscrupulous business practices and dealings regarding my credit.
I have advised this collection agency via certified mail that this debt they are attempting to collect is not mine, but is a result of identity theft. I have never had a service with XXXX. I included all police reports and documents in the certified letter sent to this collection agency and advised them to cease and desist due to fraud/identity theft. This is NOT my debt and the collection agency must cease and desist any and all harassing collection attempts.
I required filed complaints against Bank of America - overdraft problems adds to more genitals discrimination attacks me that made me overdraft fees charges with history records. In addition, they discriminate me in ugliest appearances as they laughed me looked at me in very poorest ugliest appearances what Bank of America does not like me too much when I walked in this discrimination bank. They guffawed looked at me in poorest ugliest clothes and offered me in ugliest overdraft discrimination. Also, in the past time, XXXX Bank refused to open my personal checking account along with other XXXX Bank account refused to serve opening new checking account because Bank of America 's overdraft discrimination complaints. YOUR RESPONSIBILITIES MUST MUST RELEASE REPORT TO XXXX XXXX AND XXXX XXXX XXXX REQUESTS ABOUT BANK OF AMERICA 'S HORROR DISCRIMINATION AGAINST MY XXXX & APPEARANCES DISCRIMINATION ISSUES. BANK OF AMERICA MADE ME IN XXXX AS INSULTED ME IN XXXX INDIVIDUAL WITH OVERDRAFT HISTORY RECORDS!
Kohl 's, I get an average of eleven calls per day. I am an XXXX worker and awaiting XXXX. They will not stop calling. They call from XXXX and as late as XXXX. Kohl 's practices are highly unethical. Eleven call a day every day, enough is enough.