WillisBack/dataset-financial-user-claim huggingface dataset:
I am concerned about the validity and accuracy of the recent investigation done by the Equifax and XXXX..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Please refer to original complaint case number XXXX. 
Now, close to 60 days after the sale of my parents house and payoff of their reverse mortgage by way of overnight delivery of a cashier 's check from our attorney 's trust account, Champion Mortgage had the Sherriff 's Department of XXXX XXXX, PA serve my sister, at XXXX XXXX last night XXXX/XXXX/2015 with foreclosure papers dated XXXX/XXXX/2015.
I was charged the below fee for a check that was dishourned and I feel this {$12.00} fee i is very unfair since I have so much of money with Wells Fargo. 

Date : Fri, XX/XX/2016 XXXX XXXX From : XXXXXXXXXXXX To : XXXXXXXXXXXX Subject : Wells Fargo : Checks deposited into your account have been returned wellsfargo.com Checks deposited into your Wells Fargo account have been returned The following deposited checks have been returned unpaid. As a result, we have deducted the following amount {$140.00} from your account XXXX. 
Date Reason Check number Amount Returned deposited item fee XX/XX/2016 Stop Payment XXXX {$120.00} {$12.00} Total returned deposited item fee ( s ) {$12.00} We are sending you a paper copy of these checks via U.S. mail, which includes the front and back image of the returned check ( s ) for your reference. 
For the most current balance and more account details, as well as access to deposited check images, sign on, go to Account Activity, and choose this account from the dropdown menu. 
If you have questions, please call us at XXXX, XXXX hours a day, 7 days a week, or contact us by secure email. 
Sincerely, Wells Fargo Online Customer Service wellsfargo.com | Fraud Information Center Please do not reply to this email directly. To ensure a prompt and secure response, sign on to send a secure e-mail. 
You are receiving this alert because you are an online banking customer. To modify or cancel your alerts, please sign on to Set Up/Modify Alerts. 
XXXX
I received a {$350.00} pay day loan in XXXX. To date, funds are still being deducted from my checking account. I was told my last payment of {$13.00} will be paid on XXXX/XXXX/XXXX. I have paid back over {$2200.00} on a {$350.00} loan.
XXXX XXXX XXXX XXXX is reporting a 30-day late for XX/XX/2018 on my RV loan which is incorrect ( to all 3 credit agencies ). I my payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

XXXX XXXX XXXX XXXX reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and XXXX XXXX XXXX XXXX just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.
I examined my credit report during XX/XX/ 2018 and noticed that there were many accounts that are fraudulent on my report. I am in serious need of those items being removed from my credit report.
Wells Fargo incorrectly applied an automatic biweekly payment, charged me a late fee, accused me of being two months behind, and harassed me at my place of employment. 

Wells Fargo misapplied my 2nd biweekly payment XX/XX/XXXX, wanted to charge me a resulting late fee and was telling me I was two months late on my mortgage ( XX/XX/XXXX & XX/XX/XXXX ) ; today is XX/XX/XXXX! It is absurd that they are calling it late and the day is n't even over! 

In XX/XX/XXXX XXXX payments should have been made, one on XX/XX/XXXX ( was correctly taken out ) and another payment on XX/XX/XXXX, which was not debited from my checking account. 

They made no attempts to call me at my primary number or by mail, but instead opted to call me at work to harass XXXX payments out of me. 

Note : Wells Fargo may be doing this to make up for loss of revenue due to the fraud committed by it 's executives and employees. When I mentioned I would contact the CFPB I was placed on hold and was cut off. I had to call back to proceed any further.
I have been called multiple times by XXXX XXXX  in an attempt to collect a past due balance. They have called more than 3 times in one day, and often times call from an " unknown number '' just to see if I will answer. I have also been laughed at over the phone by their most recent representative, and have been told misleading information about the balance owed and how " past due '' it is. She also stated " We will continue to call every day until this is caught up. '' The calls have been made on : XX/XX/2019 @ XXXX 4 times Wednesday, XX/XX/XXXX @ XXXX, XXXX XXXX, XXXX, XXXX, and XXXX 3 times Tuesday, XX/XX/XXXX @ XXXX, and XXXX. I have multiple records of these repeated phone calls and have been called more times than this. The most recent attempt was by far the worst. The employee laughed in my face, falsified the amount owed, falsified the payments past due, and failed to tell me who she was until midway through the conversation. The previous call on Wednesday, the employee apologized and said they would not be calling anymore because I made the payment, but then this employee calls again saying they will continue to call and that I was still 2 payments behind, which is incorrect.
On    XXXX   XXXX   XXXX     2017  I have deposited a {$1000.00} into  a Wells Fargo bank  for the purposes of opening a secure credit card. I was told that I will have an answer in no more than a week and a credit inquiry will appear on my credit report.   It has been over 2 months now, and there is still no credit inquiry and no credit card.   After not seeing any action after a month I have repeatedly asked for my money back, since the bank does n't even bother to verify my credit I have been told that the banker will call me back in 2 days.   NO ONE ever called me, and when I show up at the branch, which I did 4 times now, I am told that I will get my money in  2 weeks. It has been over 5 weeks since the first time they told me 2  weeks.   I got the same answer today.   And yes, the banker will call me back in 2 days again.   I do n't believe them anymore.
After becoming a widow we had some unauthorized activities on an account and decided to close that bank account. The car loan company XXXX XXXX was given notice of this months in advanced. While waiting for a form in the mail to authorize the change ( for two months ) payments were made over the phone. A customer service agent walked me through an illlegitamite online bill pay setup for the following month while also taking current payment over the phone on the XX/XX/18. Sure enough funds were withdrawn from both accounts. Causing more havoc on the accciunt we have been trying to close and holding up the closure of the account that would leave us with some funds to transfer out with. I have been promised the account to be reimbursed and have been waiting and watching daily!! So very frustrating!! How is this okay for the company to do? How much tube do they have to fix the problem??
On XXXX XXXX, 2017 I received a letter from National Credit System , Inc stating that the account with a balance of {$1300.00} is owed by me, I know of no such account and I owe no such amount. I 've tried to disputed the account with the collection agency to rectify this issue and they are still reporting this ridiculous information and damaging my credit on all 3 credit bureau. Apparently this is some sort of leasing agreement which I have no knowledge of or ever resided at. Along with that they sent me documents with a signature that is clearly not mine. This is not my dept and I will not be compelled and I refuse to send them any documents or identification.
I  XXXX   XXXX  am entitled to the same benefits of the   XXXX   modification to reporting of medical debts just as any other American consumer. In   XXXX  , I was involved in a near fatal work related accident. My Union insurance will eventually cover 100 % of all medical claims, but while I was recuperating for over  18-months,  several medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of  a 180-day  written notice that after the  180-day notic e expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB  XXXX   XXXX  agreement of   XXXX  . Al l medical collections  must be removed immediately by all medical debt collectors, and I must be send  a 180-day  notice, so my insurance can work on resolving all claims. REMOVE ALL  ME  DICAL COLLECTIONS A S MANDATED!!!
I am exempt under the federal laws protecting XXXX veterans. This company had a change to collect the fees for the hospital bills via my VA XXXX Veterans Administration XXXX health insurance and it did not provide enough information to the VA in a timely manner and now they are trying to collect from me and ruining my personal credit, even though I am exempt from their levy 's and liens and process thereof. I sent them the Federal laws, Title 38 Part IV chapter 53 section 5301a, b, c, d and they still continue to harass me by not stopping the collection procedures. They know that they can never collect this debt, but they said that they would continue to report and collect until someday I pay, they say it is a debt my kids will have to pay. I gave the hospital personnel all the information I had on me at the time and the information I had access to at the time. They seem to think I can call the VA and make them pay. I can not do that and I told them many times. I think this is a third-party debt from one of the doctors and he did not collect from the VA properly.
A garnishment/hold has been issued on my bank account because my son is on the account. The debtor did not submit an court order to appear in court. The debtor was given automatic permission to seize my bank account.
Caller is identified by 'XXXX. XXXX ' as XXXX XXXX. They have been calling me for months, several times a day. Never leave a message, when I answer, they hang up. Have no idea why they call me since I have no debts and haven't for over 10 years. Apparently, according to XXXX . XXXX complaints submitted, they do this to numerous other people who also have no idea why they are targeted. They always call from a different number, usually from XXXX florida, but not always. Calls are really a nuisance. Please help!!
The company sends every year a message, saying they could not reach me by e-mail - and foolish enough, they send it by e-mail! A login with the given account number fails with the comment 'we ca n't find the account number. The proposed XXXX number is not available as XXXX-number from outside USA. As living outside USA I also have no Social Security number.
I refinanced my car loan with LendingClub. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not XXXX XXXX, not XXXX have any information about this loan, which is hurting my credit score. I tried to contact Lending Club 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.
Log on to web site to pay my home loan amount due was {$1200.00} when I chick to pay XXXX XXXX said I had to pay {$2500.00} and would not accept XXXX payment of {$1200.00} when I tryed calling sls loan sevice XXXX to pay was tranfed to collection dept and I could never get someone only voice machine left over 10 messages when finally got some one 3 days later they assured me all was well and I would not be reported to credit XXXX but I was thanks
I have advised on several attempts to all XXXX major credit reports the following files do not belong to me and should be removed off my credit file. XXXX XXXX balance XXXX shows charge off and XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and the XXXX {$230.00} was paid prior to collection activity, I have disputed this information for almost a year and they are not cooperating
Citibank 's ATM machine ate my {$100.00} bill on XXXX XXXX, 2015. I submitted a total deposit of {$800.00} consisting of XXXX {$100.00} dollar bills, that I had just received from XXXX Bank, into the ATM machine. The machine response read as follows : " XXXX or more of your bills is defective. '' It then kept all the bills and gave NONE of them back to me. It only confirmed {$700.00} of my deposit, leaving unmentioned the extra {$100.00} I had deposited. So I got NO acknowledgment of the {$100.00} and also did not get it back in my hand. I went inside the branch to report the theft of my {$100.00} bill, and was told by branch staff that " it would no doubt be caught tomorrow morning when we get our accounts reconciliation for today 's activities. '' This {$100.00} overage was caught and noted by those same Branch staff, however, since then, restoration to my bank account has never happened, and in fact I was told that the results of their 17-days-later " fact-finding '' was that there was no overage, no loss, and no problem, so they were not going to restore my missing money! I should add that about a week after the theft of my {$100.00} bill, both outside ATM machines at that Citibank branch in XXXX XXXX XXXX, XXXX XXXX, CA, were being worked on by repair technicians, as I was told by branch staff members.
Debt was charged off more than 4 years ago ( statue in california ). Debtor reported the activity to the 3 major credit bureau 's knowingly violating the law.
I have had XXXX installed as a precaution due to my XXXX, so that when I have a XXXX XXXX I can press my necklace signaling the paramedics. We bought a house and decided to move the system with us. After we moved there were several occasions where my husband and I were called about a burglar alarm, fire alarms and other instances of the alarm being tripped. I would call in several times to speak to someone about the issues because when I would race home, thinking my daughter or mother was in danger ... .everything would be fine. Upon finally reaching someone with XXXX who could pull up my account, they stated that the previous address we moved from was still active and that there was n't much they could do about it. It was too much work to de-activate every sensor in the house. I asked to speak to several different people until they finally agreed to go through and de-activate each sensor. They refused to give me my money back for the 3-4 months the false alarms were going off at the previous residence we lived at. I asked to cancel their services and they refused during our last conversation over the phone. Since that call, I 've been in and out of the country for work and my bank account was hacked and shut off due to the security breach. I 'm still in the process of switching all my automatic bills and such over to the new account. Then I receive a letter from Omega RMS , LLC, a collection agency hired to collect the remaining balance of my contract which is {$760.00}. I spoke with them and they are asking the full amount regardless of the horrible service XXXX has delivered. No one will help me fix the issues because they know we are extremely distraught with their so called security systems and are now demanding we pay the full amount of the contract, even though they did anything but provide security for me and my family. I just wanted to feel safe in my house and I do not with their system not operating to the full extent that we originally agreed on. There should be some sort of clause in that contract that if the security system is defaulting, no charges should be made to the customer otherwise, why should I even have it? If it 's not going to work all the time, what am I paying for? There was no urgency to resolve the issue, when in fact if anything would of been on fire, a emergency medical situation arose or we had been burglarized ; my attorney would of come after them with flying colors due to the issues they would not correct or even take responsibility for.
In reference to the previous complaint ACCOUNT INFO LOAN NUMBER : XXXX CASE NUMBER : XXXX REFERENCE : XXXX Mr. Cooper has now tried to steal the {$130.00} from me that they overpaid to HUD for PMI. 

As noted in my previous complaint, Mr. Cooper overpaid HUD by sending them a payment for PMI for XX/XX/2018 that had previously been paid by my previous mortgage company XXXX XXXX XXXX XXXX. As noted in a letter sent by Mr. Cooper on XX/XX/2018 in response to that complaint, they acknowledged that they made said error along with an erroneous payment to my insurance company. 
Fast forward to today, XX/XX/2018, and Mr. Cooper has sent me an escrow analysis claiming that I am short by {$130.00} and that I need to pay the shortage or have my monthly mortgage payment increased to cover the shortage. 

This is obvious fraud, as the shortage is caused by their taking MY money out of escrow and sending it to HUD erroneously. It is not MY responsibility to cover a shortage that they made. I paid my money correctly, they mismanaged it.
I started the refi process with Bank of America in XXXX and still have yet to close a loan. After months of them dragging their feet to get things closed, they still have not completed this for me. It sometimes takes over a week for me to hear back from the loan officer. Since this has gone on for so long, my rate lock has expired and my patience has worn out. Since I have already paid them a appraisal fee, I 'm stuck with them unless I want to lose out on {$600.00}. This is refi is through Bank of America. It is actually a loan that they sold in XXXX and I am just trying to give them back the business. I had the loan with them since 2008.
I have been disputing this account for quite some time. I am still waiting for it to be removed. I do not recognize this account and have asked XXXX for them and XXXX XXXX to verify account and send me documents verifying the account or to please remove from my report. Now they have added an extra {$18000.00} to the account. I would like to have this removed as soon as possible.
This account was included in a bankruptcy discharge and resolved in XX/XX/XXXX-XX/XX/XXXX, I disputed this fact with the creditor, with documents yet they keep sending me threating emails. The failed to send me debt validation, just threatening emails and calls.
Equifax has no credit history on file for me, yet I have over four ( 4 ) years of established credit activity with multiple credit cards, student loans, and soon-to-be utilities and a lease in my own name. The other credit bureaus -- XXXX and XXXX -- have verifiable credit history with me. I called my credit card companies and student loan servicer asking the same question : " Do you report to all three credit bureaus in the United States? Including Equifax? '' All of them gave an affirmative response to those questions. All of them ensured me they even sent the reports just last month. <P/>I have been calling Equifax for the past four months on fixing my credit report, as it is now impairing my ability to open utility accounts and the like. I have now faxed and snail-mailed a copy of my social security card and license seven times and waited the appropriate amount of time. Each time I call, well over twenty times on separate dates at the current date ( XX/XX/17 ), the files are never found nor are they processed in the time frame I am told. A fax takes 48 hours to process and a snail-mail correspondence takes 5 business days. <P/>I need this problem fixed and my credit history to be rightfully straightened out.
XX/XX/XXXX RE : M & T BANK QUESTIONABLE UNETHICAL BUSINESS PRACTICES Residential Mortgage Loan Pay-off Date : XX/XX/XXXX M & T BANK ML # : XXXX LIEN RELEASE INSTRUMENT # : XXXX DATED XX/XX/XXXX County / State : XXXX County, NV Dear Consumer Finance Protection Bureau Support : Subsequent to the above-mentioned mortgage loan pay-off, we requested the stamped Paid Mortgage Note and a copy of the recorded Lien Release Instrument numerous times without success. All required Residential Mortgage Loan Pay-off fees/charges were paid in full through Escrow, XXXX XXXX XXXX XXXX XXXX ( File # XXXX ) as of XX/XX/XXXX. 

On XXXX ( @ XXXX XXXX PDT ), XXXX of the M & T Bank Residential Mortgage Department ( XXXX ) disclosed that 1 ) pursuant to State Law , M & T Bank must record the pertinent Lien Release within 30 days of the mortgage pay-off, 2 ) M & T Bank will NOT provide us with a copy of said Lien Release and 3 ) we must contact the XXXX County Clerk directly to submit the appropriate fee ( s ) to acquire said copy of the Lien Release. 

We have purchased and sold numerous real properties since XXXX and never had this situation occur whereby a lender & /or the assigned mortgage loan servicing agent does NOT provide the above-mentioned items upon mortgage loan payoff. 

Kindly assist us in our efforts to acquire the above-mentioned stamped Paid Mortgage Note and a copy of the recorded Lien Release Instrument. 

M & T BANK Contact Information M & T BANK Residential Mortgage Loans XXXX XXXX XXXX NY XXXX XXXX M & T Bank Headquarters XXXX XXXX XXXX, President and Chief Operating Officer XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Thanking you in advance for your responsiveness and assistance. 
cc : Complaint Submitted XXXX of XXXX  New York XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX