WillisBack/dataset-financial-user-claim huggingface dataset:
For six ( 6 ) years, I have paid my student loans with Wells Fargo ( currently XXXX ( XXXX ) have outstanding balances ) on or about the last day of each month. On XXXX XXXX, 2016, I received an e-mail from Wells Fargo informing me of past due payments. Concerned, I reviewed by online banking bill pays at my deposit financial institution and confirmed the payments were sent. I then reviewed my online account with Wells Fargo, which confirmed the total payment amount was indeed received on XXXX XXXX, 2016. I called Wells Fargo and was informed that the payment was received, but, because a statement for XXXX ( XXXX ) of the loans had not generated by the time the payment was received, the funds applied to those XXXX ( XXXX ) loans did not advance the due date. In short, despite paying my loan, I am considered past due. I requested Wells Fargo to reapply the payments or advance the due date, whatever needed to be done to rectify the situation. I was told I could either make another payment or Wells Fargo would return the previous payment for me to submit again. I asked if Wells Fargo would credit my account for any additional interest accrued from XXXX XXXX, 2016, until whenever the funds could be returned to me and sent back in for payment and was told no. This means Wells Fargo is willing to allow my payment to be allocated toward more interest than principal, despite the fact that I paid my monthly installment on time as I have for six ( 6 ) years. I again requested my account be corrected and was promised a return phone call from the supervisor with whom I spoke by the end of business. I have not received a return call or further communication. 

Wells Fargo 's practice of having separate statement dates for XXXX ( XXXX ) loans in what is considered XXXX ( XXXX ) student loan account is deceptive. I receive statement alerts, but only for the generation of XXXX ( XXXX ) statement for XXXX ( XXXX ) loan. I have never had a problem with making one ( 1 ) payment at the end of each month until now. 
It is unfair of Wells Fargo to refuse to advance my due date and offer me only XXXX ( XXXX ) options that either cost me more money ( making a second payment ) or result in me paying more in interest by waiting for funds to be returned and sent back in.
While serving XXXX, I fell behind on money. I applied for a payday loan with NetCredit. After being charged over {$200.00} every two weeks and my balance not going do I did some research and found out I have a 153.01 % interest rate. When I contacted them about this being illegal for XXXX military they blew me off. Having this is ruining my credit score and I can not keep up.
request for VALIDATION was made : XX/XX/XXXXrespectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Never received anything from them
On XXXX/XXXX/2016 I had {$7.00} in my account when I was out and about and did not write a transaction correctly so I believed I had {$7.00} in my account. I went to purchase a meal for {$6.00} and I went to the XXXX store to get something printed for {$.00} and I did not check my account till the next day since I believed I was fine, I come to find out that not only was I hit with an overdraft protection transfer fee for a service I opted out but it was a transfer of {$.00} and then they charged me XXXX NSF 's. I went to the branch and they refunded the fee and refused to refund me the XXXX NSF fees because they can only refund fee 's as a courtesy even if its a bank error. So they told me they can file a complaint for me or I can sue but I wo n't be getting my money back. That was today and they refuse to fix the mistake as advised by the financial services specialist.
I made a purchase on a dinning set from XXXX XXXX in Pa and while at the store I left a {$1900.00} deposit to order the furniture. I paid the remainder of the balance in Full per the store request as they wanted cash and I refused so the excepted a check. approx 12 weeks later I received deliver and as they were unpacking to set up the dinning set, I notice it wasn't what I ordered and paid for so I disputed the charge. I can them everything they requested including picture of what I received and what I wanted. XXXX is in breach of our contract agreement as they refused to dispute the charge to date.
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 

I have constantly received these Robocalls for over a year.
I have a savings account with Citibank XXXX and also with Citibank XXXX. I needed to transfer money to that country and customer service chat agent in XXXX recommended me to do a Global Transfer. I followed his advice and instructions and on XXXX XXXX sent XXXX XXXX from my savings account in XXXX to my account in XXXX, however the operation could not be completed in XXXX and was rejected and reversed. The office in XXXX gave me notice of it and also the reference number XXXX as constancy that the global transfer and the XXXX XXXX were reversed back to the sender in XXXX ( myself ). 
Until here, this is a normal issue, however after 3 months Citibank XXXX has not given me my money back! I have called several times and communicate with different agents ( Global Transfer Specialist, Customer Service, Speed Unit etc ) and they say that they need to do an internal process to clarify what is happening. I have got XXXX reference numbers in Citibank XXXX that are XXXX and XXXX about that internal case. They told me the back office need to communicate with XXXX and solve something, and that it will be resolved in about a week, but almost 3 months have passed and my money is still missing, I keep calling and they keep saying that need to clarify and that I should call again on a week! I needed that money to pay a mortgage in XXXX and Im already running on high interest there. 
What is weird is that when I call XXXX in less than 10 minutes I have again the confirmation number showing that the Global Transfer was rejected and the money sent back to the sender, Citibank XXXX, so I don not understand why Citibnak XXXX is taking almost 3 months to give me my money back. 
In summary, I did an online global transfer from the Citibank webpage from my Citibank savings account in XXXX for XXXX XXXX, but the operation was rejected so the money should come back to my account in less than a week, nonetheless Citibank XXXX is taking months to give me my money back even tough I have the constancy of the money reversal. They do not provide me any reasonable answer, just that an internal case is open, and they refrain to answer when such case will be solved or what is happening. Please help me, XXXX XXXX is a lot to me.
I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX XXXX Loans including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between National Collegiate Trust ( NCT ), American Education Services ( AES ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX Student Loans XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX XXXX Loans, National Collegiate Trust, American Education Services, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX
I filed an Federal Trade Commission report and affidavit and police report of being a victim of identity theft, and all bureau 's except for XXXX blocked the concerning information. Fifth Third Bank continues to report on my credit report, although it was not reporting at one point. I do believe my attorney stated once something is removed it is illegal for it to be put back on, well it 's been put back on and I am tired of fighting with this. This is the last fraudulent account reporting and if they do n't remove it I am going to have to sue them because it is keeping me from living my life and moving on from the horrors of being a victim of identity theft. It even kept me from licensure for my dream job because I do n't have a perfect credit file! For them to come back and claim they investigated as if I did n't file all the paperwork which makes them by law have to remove the file and block it, is an absolute smack in the face and I am tired of it. Remove it now and MAYBE I wo n't sue for damages because it has kept me from getting a house now and a new car, and kept me from getting a job XXXX! this is ridiculous to get something done with this company, every other company included in the affidavit removed the info and has found that the accounts were opened fraudulently during a legitimate investigation in a suitable amount of time. You ca n't tell me XXXX other company investigations found fraudulent activity and fifth-third actually investigated anything. The account itself is registered to an address in XXXX where I have never even lived!
XXXXXXXX XXXX sent me these two letters stating I contacted them to investigate fraud on two accounts that does not belong to me. I have requested that XXXX XXXX   remove these accounts from my CRs but XXXX  XXXX declined. XXXXXXXX XXXX was NOT contacted by me for any fraud claim. In my opinion this is another example of Law breaking by XXXX XXXX XXXX Transunion And XXXX in a attempt to verify a charge off that does not belong to me. In a recent letter XXXX XXXXk stated they were not contacting me anymore on my issue. They are still harassing me in an attempt to verify a debt that does not belong to me. I have NOT reached out to XXXX XXXX requesting assistance with fraud. I have reached out to XXXX  to remove these inaccurate unverified charge offs from my CRs. Please view the new scam that XXXX XXXX is using to verify a debt that is not mine. Accounts XXXX and XXXX dont even appear on the CRs being verified by the 3 CRAs
XXXX is agresively attempting to collect debt for Bank of America. When I requested them to validate these debts I got NOTHING back. At the same time bank of america validate the ownership of this debt ( see attached letter ) and stated they were NOT connected to XXXX XXXX .... XXXX XXXX asked for financial statement in order " to help me negotiate and settle this debt '' after providing them with all of my personal information I got NOTHING back ... is this even legal to do? ... Bank of America still has the ownership of these credit card debt notes and I was advised to settle with them. However XXXX XXXX has NOT stopped harassing me, I can never speak to the same person and have to give them my personal info ss # date of birth and etc over the phone to the secretary before I can be transferred to someone .... who knows what she does with my identity and why am I required to shout out my social over the phone to someone I do n't know ... this is a violation of my consumer rights and privacy this must be stopped!
I 'm currently going thru a divorce and no longer living in my home. My husband contacted XXXX where we have a joint credit card. He said the card is lost/stolen and requested a new card in my name be sent to the marital home. I reported this to XXXX and said that I can not gain repossession of the card in my name and want it canceled it immediately or to have them contact my husband to have him cancel the card. Also asked for them to reissue a new card directly to me. They refused and are keeping an inactivated / open line of credit on my name, when I want it closed and do not want the information on the magnetic strip compromised, or to have the card activated post divorce and have any surprises.
I submitted a payment with Berkley XXXX for XXXX on XXXX/XXXX/2015 through my credit union checking account. The payment confirms the last XXXX of the checking account number. My bank informed me that XXXX tried to run it through my savings account. The payment was declined and I was accessed a fee by my bank. My bank waived the fee as the fault was not mine and informed me I needed to contact visa and tell them to be sure to rerun it as a checking account. After numerous calls to Berkley all I get is that the payment was honored, they did not submit it through savings, and there is nothing they can do. The fact that the calling center is out of the country is only compounding the problem. I offered to resubmit the payment on my debit card if they would cancel the other payment. They said they could not do that. So at this point I am going to be assessed nsf and late fees on my credit card as well as be reported last to the credit bureau through no fault of my own.
There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.
" Frequency or repeated calls '' is the box that I checked, but ironically I am having the opposite problem that most people have. 

I noticed that a debt showed up on my credit report as a delinquent balance. I do not recognize the debt. It is owned by " The Receivable Management Co. '' in XXXX, PA. I have received no communication from them. There is a phone number listed to call them on the credit report, XXXX. When one dials this number, and presses # as directed to speak to an agent, it places you in queue for 20 seconds or so, then rolls to voicemail, always, and without fail. 

The voicemail ( and the IVR ) for that matter identifies the company as " XXXX '' ( XXXX? XXXX? XXXX? ). I have left repeated voicemails saying that the company being identified as " XXXX '' is strange as I dialed the number for Receivable Management Co., that I do not recognize the debt, and that I would like for someone to contact me. 

They have never contacted me. I have received no notices via mail, and I have not received any return phone calls either. 

In addition to them being unresponsive on the phone, and there being confusion over their name, there does n't seem to be any website for them which I could find, either in search engine searches or via internet registry ( I work in IT, so I have additional tools at my disposal and still came up with nothing ). Also, calling the registered number for " XXXX '' which seems to be the closest match ( as they do outsourced call center etc. ) just rings and rings, with neither a person nor an IVR or system answering the call. The XXXX website only provides a " contact us '' form which I have not yet filled out. 

If there is a negative mark on my credit report which is in turn negatively influencing my credit-worthiness I believe that the collection company has some responsibility to be responsive. 

This is maddening, negatively affecting my credit score, and totally irresponsible. I would like for the CFPB to recognize ( this situation should be easily reproduced ) this issue I 'm having so that I can use the recognition to have this erroneous mark removed from my report via the credit bureaus, since there is no way for me to talk to anyone who claims to hold the debt.
On XX/XX/2017, I authorized a wire transfer in the amount of {$60000.00} from my bank account to my XXXX account. The wire transfer was rejected by XXXX, because the names on the accounts did not match. The funds HAVE NOT BEEN RETURNED to the original bank account. It has been over a month since the wire transfer was rejected.
On XX/XX/XXXX, I got an alert from my XXXX account stating that a new collection was on my account from IC Systems in the amount of XXXX. I never received a call or letter from them stating that I had this debt. I remember earlier in the year showing a collection account on my credit from XXXX totaling the same amount. I notified them and was given information regarding the debt, and I told them that wasn't mine debt, because the service address was one I never lived at. The rep told me at that time that I need to submit an identity theft packet to XXXX who was the one reporting the debt. I completed the packet and even got it notarized, and submitted all the information to XXXX. The debt was deleted from credit report. However, now the same account is being reported through another collection agency. I've reached out to them and made them aware that this debt is fraud, and that I submitted the necessary paperwork to XXXX to remove this debt. This morning I received another alert saying that IC Systems flagged the my credit report again. 
Collections Agency : IC Systems Debt company : XXXX Account Number : XXXX Date account was opened : XX/XX/2012 Collections Reference number : XXXX
HI HOW ARE U MY NAME IS XXXX AND IM XXXX ABOUT MY CREDIT ITS AFFECTING MY HEALTH AND MY QUALIFICATIONS TO LIVE SUPPORT MYSELF.XXXX ,XXXX,AND EQUIFAX HAVE DENIED MY DISPUTES AND AT TIMES HAD THE WRONG INFORMATION ON MY APPLICATION.IM CURRENTLY SEEING A XXXX XXXX AND IAM TAKING XXXX DUE TO XXXX PLEASE HELP I FOUND U THRU XXXX MY CONTACT NUMBER IS  AND EMAIL IS XXXX.
OCWEN forced me to accepted a  New Modification in order to hold on to my house. Due to the fact that previous MOD did n ot contained a balloon payment, however, after several court appearance ( which my lawyer that I paid, did not do anything ) and I had to pay the so-called balloon payment including escrow for  XXXX  and  XXXX .     Escrow for  XXXX  was paid and I had a surplus of {$900.00} toward the   XXXX   year.  OCWEN  would not adjust the new mod. I have paperwork from them regarding the escrow. see attachment. file :  OCWEN_letter_pg1 and OCWEN_letter_pg2  I also have a letter from them saying that I had paid the loan in full. Never acknowledge. see attachment : file  XXXX  ( My lawyer did not act upon this letter ).     I have agreed to paid the amount money they said that I owe, but it is under strong protest. However, if I have to pay it, then I will make the payments.     I just wanted to bring this to your attention.
XXXX XXXX Inquiry from XXXX XXXX, 2018 + Bank not mine XXXX not XXXX XXXX never late chase inqires not mine equifax and XXXX have ruin my credit i 've made every payment XXXX XXXX  reporting wrong amount with only owe them XXXX
Saying I owe at XXXX XXXX and also saying I owe at XXXX XXXX XXXX which I have never open any of those accounts ever so now my account is on freeze because of this.
XXXX XXXX XXXX WAS PAID THROUGHA JUDGEMENT ON MY HUSBANDS PAYCHECK LAST YEAR. IT SHOULD BE MARKED AS JUDGEMENT PAID IN FULL OR SATISFIED OR REMOVED. TRANSUNION HAS INGNORED MY REQUEST TO CHANGE THIS.
I purchased a property with a note serviced by LoanCare Account Servicing. I made the first mortgage payment in XXXX. In XXXX I saw that they had taken multiple payments out of my bank account. Phoned them and spoke with XXXX XXXX at XXXX XXXX XXXX ext XXXX and she said it was a mistake, possibly a software glitch. XXXX XXXX promised me that the extra {$10000.00} would be returned and that she would call me no later than yesterday. Now she wo n't return my calls or my money.
Bank Of America has placed my account into a risk closure status and is illegally withholding deposited funds and continues to accept deposits to my account while withholding all funds that are owed to me. They claim they don't have a date when they will be done with their review but after the review is done it would take 7-10 business days. I call and the risk closure team says I can go to the bank to withdraw the funds. The branch is saying they have to call risk closure. They have me go all the way to the bank which is far from my house. I was told again this morning to go to the branch and withdraw but I feel this is a waste of time. I will update everyone after this attempt.
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX  XXXX XX/XX/XXXX closed XX/XX/XXXXXXXX XXXX
My property tax bill was corrected and decreased due to a   XXXX   XXXX   XXXX     XXXX  rating for my spouse. My taxes are escrowed with my mortgage servicer ( required ). I notifie d Seterus, my mortgage servicer and provided the updated tax bill along with  a written request for an escrow analysis on  XXXX / XXXX / XXXX , which was confirmed received  by Seterus that day. I made several calls over the next month to Seterus and  they had notes but nothing was done. In addition, even though they had the documentation  6  weeks prior and all notes in their system acknowledged the new tax bill, they paid  XXXX  he county the 2nd  installment due ( for  XXXX   XXXX   )  the full amount of the previous bill therefore over {$1300.00} in overpayment which is due back to me. I called them again in early  XXXX  and threatened them with a complaint to the CFPB. At this point, I did receive the updated escrow analysis but they still have not resolved the overpayment. I was told last month that while the payment had been allocated to a batch payment to be se nt to the county, it had not yet disbursed, therefore they were researching having the fund s cut back out of the batch and would refund me. This has been going on for a month and as of today, it 's still being " researched ''. In closing, final complaint : my mortgage is paid every month and has not been assessed a late fee since prior to a modification in  XXXX . Yet, this company has a practice of harassing calls on the  XXXX  of the month if they have not received payment. I would refinance to get away from this servicer, but obviously, any company I refinance with could sell my loan to a servicer and I have no control. In addition, I most likely would not be able to beat my current interest rate so I 'm shackled to this mortgage servicer.
I was never notified of a mortgage transfer from my new loan owner. I was trying to make a payment to my original lender for my mortgage and it was never made clear to me who I should be paying. I also have yet to be contacted by my new lender, and I do not wish to supersede my grace period nor default on my loan. I have not missed a payment in 7 years and 4months.