WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a terrible experience with being inappropriately charged with paying a recurring " ghost loan fragment '' on XXXX of my HELOCs ( Home Equity Lines of Credit )! 
There are XXXX concrete recent examples of my bank INCOMPETENTLY and INCORRECTLY servicing my HELOC payments : ( 1. ) Early this year, the bank incorrectly showed on my account statement, that my principal balance had been paid down to {$0.00}. In actual fact, they neglected to post an {$8600.00} transaction ( using a check to buy shares of a particular stock ) to my HELOC account balance. I repeatedly went to the bank and personally PLEADED with them to examine and find this amount! I was being completely honest and forthright with them! This was a serious bank error which would have been in my favor! My experience is that the Personal Bankers would say, " Oh, I 'm not in the Loan Department! That is not my responsibility! '' To make things even worse, they have recently revealed that my bank DOES NOT EVEN HAVE a PHYSICAL LOAN DEPARTMENT! Therefore, when a problem with a HELOC emerges, there seems to be no XXXX available to correct or address the issue! Instead, there is a collective shrugging off and abdication of responsibility! 
( 2. ) Just over the last month, after I finally got the bank to post the {$8600.00} amount to my HELOC principal balance, I was very eager to pay it off, and obtain a " true zero '' ( {$0.00} ) balance on my account. On XXXX XXXX, 2015, I did pay the principal down to {$0.00}. I even obtained a printed ACCOUNT INQUIRY, showing that this was, indeed, the case! But the very next morning ( on XXXX 2015 ), I awoke to see a balance of {$5700.00} ( along with accrued interest ) back on my HELOC account! I was completely enraged! What is going on? I had to go and argue with the BankManager, calling the Regional President 's Office ( who was out of town, on vacation ). " I am filing a formal complaint! '' I bellowed. Finally, the local branch Manager said that she would fix the problem, and told me to have a nice day! " I 'm not having a nice day! '' I shouted. " This is totally ridiculous! Why would I ever want to get another HELOC from this bank? '' Well, apparently, the local branch Manager finally did correct the issue, as my HELOC principal balance is now back down to " true zero '' ( {$0.00} ). And I did get a phone call from the President of Marketing, who asked me about the problem. THE POINT IS, I SHOULD N'T HAVE TO BE GOING THROUGH THIS TRAUMA! AND NEITHER SHOULD THE LOCAL BRANCH MANAGER! MY BANK NEEDS TO GET THEIR BOOK-KEEPING OF LOAN PAYMENTS CLEANED UP! THEY ARE NOT BEING RESPONSIBLE LENDERS! I can only hope that another " mysterious ghost loan fragment '' does n't somehow REAPPEAR, again, on my HELOC principal balance!
In XX/XX/XXXX I filed a complaint against this company and they responded by stating the following : '' Financial Corporation of America shows no open inventory or credit reporting under your name or social security number ''. 

Again I submit my complaint ... In XX/XX/XXXX my personal information was compromised when my car was broken into and my handbag stolen. Since XX/XX/XXXX a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
The company has been contacted many times about these medical bills which are n't mines. I have reached out to the company many different times and advised of these not being my debts the have stated that this is my debt and they will not adjust it although they have sent me notification of the debts being adjusted on other accounts which I have disputed as not being mine. The accounts are XXXX for XXXX date of service XX/XX/XXXX ; XXXX DATE OF SERVICE XX/XX/XXXX FOR XXXX ; and account XXXX for XX/XX/XXXX
Called my XXXX father ad upset him ... who is not, and never has been listed as a way to contact me!
Southwest Credit Systems in XXXX, Texas, purchased an invalid debt from XXXX. They started calling me last month, but refused to discuss my issue unless I " verified '' my " personal information. '' I explained I refused to give them any personal information. The representative told me she could not discuss my case with me until I " verified '' I was me. ( XX/XX/XXXX. They called me, but I was in a place where I couldn't hear, so I called them back ). 

They would not tell me who they were or why they called. I saw a new entry on my credit report ( the only derogatory entry ), and through a XXXX search, I was able to figure out they were, in fact, the ones who were calling me. ( I already successfully disputed the XXXX debt with a previous collection agency since the debt was invalid ). 

I continued to refuse to give any personal information, and instructed them to no longer call me. I've given them this instruction every time I've spoken with them, yet they continue to call. 

( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Missed call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Outgoing call ( XXXX ) XXXX XX/XX/XXXX - Incoming call
I had been problem with well Fargo Bank I 'm hearing impaired. First of all I walk in there and consumer talk to me about new open credit card but no interpreter there I did n't understand first thing how to use credit card to make pay that day so I have been frustrated with debit bills and they harrasement me mail and force me to make pay over XXXX I decide to file complain about well fargo bank
Freedom Mortgage consistently mis-applies my monthly payments to the incorrect accounts. In this most recent example, an additional principal payment of {$3000.00} was applied to my escrow account. They really are a very poor mortgage servicer.
Equifax has the wrong address on my file and it is messing up an auto loan. The address they have is from at least 1.5 years ago.
I have a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XX/XX/2014. to this day XXXX  & transunion reports the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now.

The current status should be reporting as Paid & Closed or Closed, not late!

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect
Navient is attempting to collect a debt. However, the debt was sold to a third party. I have no contract with this company. Therefore the debt is unverifiable. Not contract/contract canceled.
The Northeast Recovery company has been calling for the last year for someone with a similar name but is not me. They called XX/XX/XXXX twice and left a message was left from a XXXX XXXX and he said that they were from XXXX XXXX and that someone called and field a complaint against me, they also said the banking info they have is incorrect I don't even know what this company is. They called again yesterday XX/XX/XXXX and left a threatening message and I called the phone company and was told to reach out to wind-stream to FCC and then the FCC told me to contact the federal trade commission who then told me to reach out to you and file a complaint. The phone company told me that they have received several complaints for this same company and that it is a scam.
Midland Funding is violating multiple sections of the FDCPA by falsely communicating information about XXXX alleged, unvalidated debts to consumer reporting agencies. Additionally, the debts they are alleging to be mine are beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Midland Funding is reporting an account with a balance of {$1900.00} on an alleged original amount of {$1500.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I have a monthly payment agreement with them ( I do not ). 

Similarly, Midland Funding is reporting a second account in the amount of {$600.00} with identical reporting inaccuracies to the account stated above.
WF CRD SVC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WF CRD SVC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WF CRD SVC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
To Whom It May Concern, I have been fighting Wells Fargo for years in regards to a foreclosure on my property. They do n't seem to believe they need to adhere to the laws of California or the guidelines, rules, and regulations that pertain to them. On XXXX XXXX, 2015, I mailed to Wells Fargo Home Mortgage, my servicer, a Notice of Rescission to cancel my loan transaction. It came to my attention recently that the opportunity to send a notice of rescission to them was still available because consummation of my loan had not yet occurred. Pursuant to the Federal Truth In Lending Act, hereinafter referred to as TILA, the notice of rescission is effective upon mailing. It automatically cancels out my deed of trust and the liability. To my understanding, under the statute, the promissory note and lien becomes automatically void by operation of law. 
I mailed out the notice of rescission to Wells Fargo on XXXX XXXX, 2015. Wells Fargo received the notice on XXXX XXXX, 2015. Pursuant to TILA, Wells Fargo had twenty ( 20 ) calendar days from receiving the notice to either file a declaratory action against me to challenge the notice of rescission or to take the mandatory steps required under TILA. Wells Fargo did neither. The only thing Wells Fargo did was send me a letter stating they received my letter. Pursuant to TILA, the security interest is void and of no legal effect irrespective of whether the creditor makes any affirmative response to the notice. There is nothing in the statute that gives Wells Fargo the right or authority to grant or deny my notice of rescission. Had they disagreed with my notice of rescission, they were suppose to file a declaratory action against me within twenty ( 20 ) days to challenge my right to rescind. Wells Fargo or my " true creditor '' failed to take those actions. Wells Fargo or my " true creditor '' are in violation of TILA because they have failed to take the mandatory steps required under TILA. The statute makes no distinction between my right to rescind in 3-day or extended as neither cases nor statute give courts equitable discretion to alter TILA 's substantive provisions. Since Wells Fargo or my " true creditor '' has failed to file a lawsuit challenging the rescission within the statutory 20 calendar period, they have given up any and all affirmative defenses to the rescission and they have no right or standing to attempt to enforce the deed of trust. I am puzzled as to who they believe they can proceed with a foreclosure on a deed of trust that has been canceled and made null and void by operation of law. There is absolutely no question that by operation of law my deed of trust has been canceled. Wells Fargo or my " true creditor '' is in violation of TILA for their failure to comply with the statute within 20 calendar days. Thus, they have given up their right to make a claim for the money that was allegedly loaned to me. The debt is not only unsecured but it is eradicated starting with the rescission notice and ending with their failure to comply with the statute.
Capital One put my card on restricted hold sometime in XXXX XXXX and deactivated after. 
I have been using the card since XXXX XXXX and I have earned, I believe, more than XXXX reward points which is approx {$500.00}. 

Capital One coded the issue as " fraud '' and I did not request the card to be deactivated since I am still using it. Due to fraud, they have requested multiple documents to verify my identity such as copy of driver 's license, social security card and proof of residence which I all submitted. 

I have been doing multiple follow-up and talking to several representatives almost every other day in XXXX and each one gives me a different answer on status of reactivation or card and points.
This company, Commonwealth Finance continuously reages old medical debts that are very close to falling off of my credit report. They have done this with three separate old bills this year from as long ago as XX/XX/XXXX. I have not received medical treatment in nearly three years, so there is no way for these debts to be from these dates. These reaged accounts are as follows : XX/XX/XXXX the amount of {$1500.00}, XX/XX/XXXX an amount of {$620.00} was reaged, on XX/XX/XXXX the amount of {$1400.00} was reaged. They do not report the original date of delinquency. When I ask for an itemized bill showing what the amount I owe is for, I receive a generic letter with no detailed information that would even allow me to determine if I received the services theyre requesting payment for. Furthermore, this company does not have a license to operate in the state of Florida because their license here was revoked in XX/XX/XXXX. 

This company has also been calling me, and my parents non stop and leaving harassing voicemails claiming they will be filing a lawsuit against me.
I provide consulting services and get paid via credit card. 
Before I accepted the payments, I called my credit card issuers and asked them what is the safest way to get paid and not worry about fraud, as in the past when I got paid by checks, the checks bounced. 
So I wasclearly instructed not to give any card or banking information. 
I was told to take the company banking info for payment with a written authorisation to process the payments. 
I followed the instructions step by step, received the payments, and four and an half months later the credit card companies ( 3 of them ) say that the payments were reversed and that I have to pay back the balance, as it is not their problem to collect the original funds. 
I called many times and attempted to explain that there is a written authorisation for the mentioned transaction, and that I followed their instructions on payment but they refuse to help and now my credit is getting badly hit. 
I don't know what else to do. Thank you for your attention to this matter
Equifax has an inaccurate hard inquiry on my report from XX/XX/2016 for XXXX XXXX XXXX credit card. I have followed all instructions from Equifax, including submitting a police report and contacting XXXX XXXX XXXX and XXXX XXXX Credit card companies. I have made numerous contacts with all parties and have been assured this would be resolved - but it has not as of this morning! The information reported, when compared to my personal information, proves this information is not consistent with my information - nothing except my name matches any information!
THIS ACCOUNT FROM MACYS ACC # XXXX, IS REPORTING ONE LATE FROM XX/XX/XXXXOF XX/XX/XXXXTO THE CREDIT BUREAUS WHICH I BELIEVE THAT NEVER HAPPENED, IT MUST HAVE BEEN A BANKING ERROR, PLEASE HELP ME TO RESOLVE THIS SINCE THEY ARE NOT WILLING TO REMOVE THIS ALTHOUGH I HAVE PROVIDED THE CREDITORS APPROVAL LETTER TO THEM FOR APPROVAL TO REMOVE THE LATE PAYMENT INACCURACY. 
PLEASE FIND ATTACHED THE CREDITORS LETTER THANK YOU
I am submitting a compliant. I have been at my resident for about 20years and is still being accused of owing you way over the amount due. I am requesting that I be cleared from this debt.
INACCURATE INFORMATION 3 SOCIAL ON THE BUREAU NOT MINE CRA AND HIPPA VIOLATION COSTING ME HIGHER RATES THEY MUST REMOVE THE THOUSANDS OF DOLLARS THEY COST ME EXPERIAN TOTALLY MESSED UP MY CREDIT
I am challenging the reported information from your company WEST LAKE FINANCIAL account XXXX the company is reporting a repossession with a balance of XXXX. I state law state I could 've taken possession of my vehicle. I attempted to take possession of my vehicle back before a 30 day period the company never informed me that they had been sold the vehicle and a balance was owed of the car. The law states that the company is to provide me with a copy of the purchase sell of the vehicle this company never provide any document on this vehicle. I am disputing the balance that this company is reporting to my credit report also I am disputing the late payment comment the information that is being reported is incorrect I am seeking validation on the information that your company is reporting to the credit bureaus. I will be seeking Legal advise if this matter is not correct or remove from my credit report.
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/18 and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the XXXX XXXX  data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven XXXX XXXX  COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite XXXX XXXX compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
I DISPUTED THIS ACCOUNT AND ASKED FOR VERIFICATION THAT THIS IS MY ACCOUNT AND HAVE NOT BEEN PROVIDED WITH PROPER VERIFICATION THE AMOUNT IS SHOWING {$330.00}. THE DIVERSIFIED ACCOUNT IS REPORTING ON MY REPORT TWO DIFFERENT AMOUNTS XXXX AND XXXX ON DIFFERENT CREDIT BUREAU 'S THE
My mortgage loan has just recently been moved to LoanCare, XXXX XXXX XXXX, XXXX PA XXXX. Loan servicing was transferred XXXX or XX/XX/XXXX. Loan # XXXX. My loan is in the name XXXX XXXX XXXX. I divorced and took back my maiden name, XXXX XXXX XXXX, but all loan documents are in the name XXXX XXXX XXXX. With XXXX XXXX XXXX, FI that my loan originated with, I reapplied and paid a fee to have the ex-husband remove from the loan. However, LoanCare has his name showing on all correspondence that I receive from them. I have contacted them about this issue but nothing has been corrected and no communication to me as to what they are doing about it. I will attach the documents from XXXX XXXX XXXX  in XXXX. I recently received notice from LoanCare that my monthly payment will increase due to my escrows. I can understand an increase but they are increasing my monthly escrow payment by double. I am registered with their online service and can see my mortgage loan information. I can view the escrow tab and it is plain to see why they are calculating incorrectly, because they have entered my property tax bill twice. The first time I tried to call, I was put to Escrow Dept and the recording stated I would have 1 hour wait for someone to answer. I waited 45 minutes and decided they probably would not answer my call even in an hour. I have attempted to contact them and have talked with Customer Support and they tell me the incident will be reviewed. I was told I would hear on this issue by XX/XX/XXXX, but no response. I called Customer Support XX/XX/XXXX and that person told me that I would be contacted within 24 hours. Those hours have gone by and no contact on the escrow issue from LoanCare. I was given a reference number XXXX.
Portfolio Recovery Accosiates added an account to my credit file and I have no idea what this account is. I know this account is not mine and must be removed ASAP. I pay my bills, and I do not owe any money to this company or their client. This is a fraudulent collection and must be removed. The following information is all I have on this account. Please remove. 

Account Number : XXXX Amount Owed : {$720.00} Date Opened : XXXX/XXXX/2014
I received a complaint from my mortgage company that the monthly payment for my mortgage loan has not been received for two months and if not received my house will go into foreclosure and i need to submit two payments including late payment fees immediately. I pay online through my credit union and when I check the monies have been deducted from my account on time. So I call the mortgage company and tell them that according to my checking account that they should have the money and their should not be any late fees. The representative tells me that even though my account may have paid the company may not have received the payment on time. I asked if they received the payments and he stated that my account has not been paid yet. So I contact my Credit union who tells me that the issue was handled by a phone call.
I Bought a my car from a dealer I have had my car for almost 3 yrs. now. I have paid all my monthly payments without missing any of them. I am almost done with just XXXX payments left. My car got impounded due to parking tickets and got turned over to the fianc company. I have contacted the fianc company to try to come to any agreement to gain my car back. They have increased the number of months I " owe '' wich is not what I have in my contract which will end on XXXX 2015. I have tryed to call them and asked them for more accurate numbers and all they say is XXXX payments plus additional fees. I have actually agreed to the impound fees and late fee that I have gotten for a few late payments. All iam asking for is a more detailed explanation on the charges and see if we can come to an agreement in regards to recovery the car. Thank you for your Att.