WillisBack/dataset-financial-user-claim huggingface dataset:
I found out that there was a Bankruptcy on Experian, and XXXX. I contacted each bureau and i was advised over the phone by a representative from the bureaus that they spoke to the court house and they court house verified the information. I then went to the court house and asked the clerk supervisor if this information and process was true. I was given a document from the court house stating that this was completely false and they do not speak or provide information to the credit bureaus. I forward the document to each of the bureau and then called to verify that they have received the documents, I was advised yes. It has now been 42 days now and all i have yet to receive a full detail form the bureaus or a removal form my credit report. I am prepared to file a law suit again the credit bureaus if this is not rectify within 15 days of my XXXX notice.
On XX/XX/XXXX I ran a credit report from the 3 reporting agencies While XXXX and Equifax scores were above XXXX, the Equifax score was XXXX. The only difference I can see is an account reported in collection for {$1100.00} which ( on the accounts details section ) has no information about the " original creditor '' or the " company sold to ''. This account is simply listed as a " XXXX XXXX ''. I do not know what this is about and have had no luck disputing this with Equifax. I believe this is some predatory collection agency trying to sabotage my credit history on some bogus medical charge. The Account is listed as closed and recently updated on XX/XX/XXXX. A full copy of my credit report including the account details of this mystery debt ( first page ) has been uploaded.
on XXXX/XXXX/XXXX I paid the shipping cost for two 14 Day Free Trials ; one with XXXX XXXX and the other with XXXX XXXX. The amount taken from my account were {$5.00} and {$4.00}. I did not authorize any charges related to the free trial. My checking account was subsequently charged {$87.00} from XXXX XXXX and {$89.00} from XXXX XXXX for a subscription I did NOT authorize. I attempted to resolve this thru the company however they were completely uncooperative and which point I took my complaint the XXXX XXXX XXXX. The related case/claim number is # XXXX. In my conversation with Chase Bank, I advised them that not only did I not authorize this charge but also did not receive the products these two companies charged me for. They did initially credit me back per my complaint however subsequently debited the reimbursement from my account. They basically refuse to consider this a case of fraud and have refused to reimburse me for these unauthorized, and of note unreceived products. I further believe that they are further dismissing my claim as a young female.
I have been receiving harassing, threatening and XXXX threats telephone calls from Capital One Bank representatives in regards to a credit card account and debt of {$320.00} I do not owe. The account or debt do not belong to me. I have never applied for a Capital One Bank credit card. I am a victim of identity theft.
Regrading this account XXXX XXXX XXXX XXXX. I believe that I may had been 28 days in XX/XX/2018 but not 30 days late. In regards to XXXXXXXXCAPTIAL ONE XXXX. I believe that I may had been late 55 days in XX/XX/2018. Not 60 days late. Also to XXXX XXXX. I may have been 29 days late inXX/XX/2018 not 30 days late. The FCRA Law require everything on your credit report to be accurate, valid and complete. This late payment is incorrect and should not be reporting on my Credit Report.
When reviewing my credit report, I found derogatory information entered by Wells Fargo Mortgage. 
My Wells Fargo business checking account is linked to my Wells Fargo Mortgage account. Because the XXXX accounts are linked, I am able to make a mortgage payment directly from my business checking account. 
I also have a Wells Fargo personal checking account and have a monthly mortgage payment auto-draft on the XXXX of each month. 
I elected to pay my XXXX XXXX, XXXX using the business account, which allows me to transfer money to the mortgage. 

Wells Fargo still drafted my personal account and did not recognize the payment had been made via my business account. 
The transaction to my personal account and overdraft fee was reversed by a customer service rep after I called to complain. 

This should have ended the matter, but, it did not. 

I complained, in writing, to the bank from XXXX XXXX through XXXX XXXX, even sending documentation from my business account showing the transfer. There reply was that the transfer was incomplete and the transaction was reveresed. 
If the money was in the bank and they could see it was being transfered, this is not a " non-payment '' matter, this is an electronic banking transaction matter. Secondly, why did they refund the money taken from my checking account, including the overdraft fee, if they did not recognize there was a problem? 

Wells Fargo simply sent " pre '' populated form letters and filled in information unrelated to the problem. The form letters repeatedly focused on a " late payment ''.
I applied to refinance my FHA loan to a conventional loan because of the cost of mortgage insurance. At first I was told by the new bank doing the refinance that they could get rid of my mortgage insurance to lower my monthly payments from XXXX  to about 1600.00. That did not work out for some reason. About a week ago I spoke to the representative of The lender broker of XXXX XXXX XXXX XXXX   and she assured me I will be able to save XXXX a nd that will increased to XXXX  because my mortgage interest will disappear. 
On Friday evening (XX/XX/XXXX), I received the final figures for closing on Wednesday XX/XX/XXXX. 
This is what I found:
1) my interest rate is gone from 4.750% to 4.875%.
2) My principal has jumped from $XXXX  to $XXXX
3) Instead of the XXXX dollars I was promised to save XXXX I will save XXXX.
When I factor in my new interest rate and the new principal I gain nothing. I am therefore not going to sign any documents to finalize the refinancing.
I am a new customer to SLS. In XX/XX/XXXX i received a letter stating my monthly payments will be going up from a modified {$740.00} to XXXX. I called them to see why they informed me it was because of the escrow and insurance. I understand about that but im on fixed incom. I am use to my mortage going up yearly never this much and never without the option of paying it in a lump sum or spreaded out over 12 months. I have talked with every department in SLS with no sympathy. All i wanted was someone to work with me to get my monthly payment with my escrow and taxes spreaded out over 12 months so i can afford it every month not from {$740.00} to {$1100.00}. I was even told by SLS to sell my home or sell it for short sell.
XXXX My mortgage was recently transferred by XXXX XXXX XXXX  to Wells Fargo XXXX XXXX for servicing. 

After initially successfully creating my account per Well Fargo XXXX XXXX XXXX instructions mailed by post, I got locked out of my account. 

No one was able to figure out how to unlock my account and reset my password. 
Furthermore, they verbally specifically directed me to enter my SOCIAL SECURITY NUMBER as my username into an UNENCRYPTED short text data field on their website. 

I am still unable to access my account, makle a payment, view my personal information, or verify that they have taken proper measurement to safeguard and monitor my account and personal financial information
My name is XXXX XXXX and I have received a letter stating that my claim has been denied because there was a similar claim last year. I do not agree with the decision as I am a victim of identity theft and two of my credit card lost/stolen within past 6 months. I know I had lost my card last year but this isn't the strong base to deny my claim. As you can see that I didn't even use this card as much throughout the year and all of a sudden there are hundreds of transactions charges in only one moth. 

Any and all of the transactions that were made from XX/XX/2018 thru XX/XX/XXXX or XX/XX/2018 are fraud and were not authorized by me. I would like to request the proof or documents of the investigations. Also, I would like to request to re-open and reinvestigate this claim as this is not fair with me to be reliable of paying for such a big amount which I never made transactions of. ( Totaling {$8800.00} ) I am not willing to pay a penny towards these fraud charges as I never authorized those transactions. 

Wells Fargo already have cases against them for not being reliable and I am so disappoint on both incidents. I never received a call or text when all of these fraud charges were made. 

Please contact me for any concern/questions at ( XXXX ) XXXX or via e-mail at XXXX. 

Regards, XXXX XXXX
The inquirer name is Suntrust Bank DBA XXXX and XXXX of XXXX XXXX. the inquiries took place on XX/XX/XXXX and XX/XX/XXXX respectively.. I contacted both XXXX, Suntrust, and XXXX to removed the inquiry. Suntrust has not gotten back to me and XXXX has sent me this letter explaining why the inquiry happened but failed to show proof that I was the one who request for my report to be viewed. XXXX also has fail to provide me with any evidence of such inquiry request made by me. I'm therefore disputing the validity of this inquiry.
I have contacted Sally Mae, now Navient on multiple occasions, I even contacted the Federal Student Aid Department. This information didnt get updated. They have admitted to putting a retroactive forbarence on my account. I called and advised them on multiple occasions that it should be in a forbearance status as I was unemployed at the time, and was going though financial hardship still due to the loss of my mother, they have failed to retroactively correct this all the way, and have not updated my credit report for years.
I requested the removal of the mortgage Insurance ( MIP ) based on MN status 29 and asked for a new appraisal of my home. I have asked for this consideration a number of times over the last 4 years. The loan-to-value ratio was always based on the loan closing date of XXXX XXXX, 2009. 

I was able to collect information from the Mn department of Commence, state status 29 which allow the loan to value ratio to be considered by the current value of the home, after a appraisal has been done. 

After, submitting my request I received US bank 's same standard form letter which I have gotten in the past. There was no mention whether or not the state status was considered. 

My question, could have US bank considered the status 29 or decidedly went with what favors them and not the consumer I have been unemployed since XXXX XXXX and without unemployment income since mid XXXX without missing any payments. I do n't feel they care if I remain a home owner or not
XXXX XXXX XXXX I'm filing a complaint against card.com ... when I filed a dispute by accident they closed my whole account ... .and rejected my social security deposit ... .that put me in a financial hardship situation because it takes social security about a month. To send back out the payment to me even after I made it clear to them I made a mistake in calling them and saying I thought I didn't order pizza from XXXX XXXX then I realized I did ... order pizza the next day and they cancelled my card and shut my account down ... bottom line I never lost my card ...
This account was closed before XXXX 2016. This account was re-opened XXXX 2016 and not giving me accurate information to contact the creditor. Every time I call, I get nothing ; no office hours, no chance of leaving a voicemail and emails are not working either.
My vehicle was repossessed as I was 3 months behind on my payments ( XXXX, XXXX and XXXX ) as the amounts for each month were {$390.00} ( A total amount of {$1100.00} ). Once the vehicle was repossessed, I spoke with the bank my loan is with ( PNC Bank ) and they stated I would have to pay {$1300.00}, which was also including my monthly payment for XXXX, but my monthly due date is not until the XXXX each month. The bank was making me pay the past due 3 months and my current payment, despite the fact that it was not due yet.
PNC Bank took all the money out of my savings account.with no notification. They say it is for a forclosed loan from XX/XX/XXXX. I have had bank accounts with them since XX/XX/XXXX and one has contacted me. My pay checks are direct deposit and they waited until my pay hit then wiped out my familys savings account. They have had my address, phone number and email for years. They communicate to me about bank specials and advertisments, but never once brought up an outstanding debt that I thought was handled when the property was forclosed on. Can they do this just take someones savings account with no notification or contact?
Since last  XXXX ,  Commonwealth Financial has b een r eporting several medical debts it claims I owe to the major credit bureaus ( i.e.     XXXX    ). The  amounts are {$57.00}, {$300.00}, and {$590.00}. It says the debts are owed to  XXXX   XXXX   XXXX  and/or  XXXX   XXXX   XXXX . I have no record of any debts as it reported, nor have I received any notice of collection fro m Commonwealth  themselves.     I have disputed the debts a number of times, since finding them on my credit report, in an attempt to have them removed from my credit ; Ive had no   luck.
I decided to do further research and found that Commonwealth Financial has no license to collect debt in the state of Florida my state of residence,   as well as the location of the hospitals on whose behalf they are supposedly collecting. When I called the Florida  Office of Financial Regulation, I was told that Commonwealths Florid a license number  XXXX  had been voided and revoked on  XXXX   XXXX ,   XXXX  . It was still reporting and re-reporting these debts in  XXXX    XXXX  .     I am admittedly a bit confused as to how an unlicensed collection company can attempt to collect a debt from me at all, let alone report to reputable credit bureaus that heavily affect my life and finances.
In XX/XX/XXXX I signed up for promotion offer XXXX, spend {$2000.00} and receive XXXX bonus Member ship Reward points. I use several offers with American Express and they usually post a few days after meeting the requirements. On XX/XX/XXXX I received an email stating Thank you for using your American Express Card ending in XXXXX for XXXX Membership Rewards Points Bonus offer. You will have successfully redeemed the offer if your purchase meets the terms of the offer. The purchase or in this case, purchases did indeed meet the terms of the offer. I still have not received the XXXX bonus MR points.
Deceptive and contradictory information via phone so there is no evidence to document. Departments that seem not to communicate with each other causing errors that affect the loan it 's self. Lack of documentation. Previous payment information that almost impossible balance. No yearly ledger. Also School is no longer in business XXXX.
willful fraud & material misrepresentation by contract applying earnest money on a   XXXX    down VA loan that renders contract void due to the fact VA wil l not guar  anty the loan do to this violation of basic elements of a VA -Guaranteed Loan / this practice is a violation of basic elements of a VA -Guaranteed Loan along with fal se dating on page  XXXX  of  XXXX  of the Residential Real Estate Contract Page  XXXX  of  XXXX  and  XXXX   XXXX  hold the violation of down payment on a VA  XXXX  down loan. Purchase price & lender price are the same at  XXXX  down VA. BROKER AGENT RENDERED CONTRACT TO BE VOID OF VA GUARANTE DO TO HER VIOLATION KNOWING OR SHOUD OF KNOWN RULLS OF A VA LOAN.
I applied to refinance the XXXX trust deed on XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX today off loan XXXX for XXXX interest only. In connection with that a payoff demand was made XXXX XXXX which a CSR for BSI Financial Services confirmed was prepared by telephone on about XXXX XXXX XXXX. The lender states they did not receive the payoff request. Two other payoff requests were made on XXXX XXXX and XXXX XXXX again BSI verifies occurred but the lender states they did not receive. I asked for a copy to be sent to me. On XXXX XXXX I received a copy of a payoff demand letter from XXXX XXXX money lending who states that collect for BSI The amount they claim due is XXXX good through XXXX/XXXX/XXXX. On Friday XXXX XXXX I received a letter dated XXXX XXXX XXXX from BSI stating if I do not pay off the loan by XXXX/XXXX/XXXX they will issue a XXXX XXXX late fee of XXXX. My two lenders I am working with blew a gasket saying they have never seen such a thing. Furthermore the demand is inconsistent with the written correspondence and I believe constitutes mail fraud. And probably other crimes and offences.
On XXXX XXXX, XXXX, I refinanced a loan originally held by Green Tree Servicing LLC., with XXXX. XXXX sent XXXX separate payoffs checks to Green Tree. XXXX was on XXXX XXXX and XXXX was on XXXX XXXX, XXXX. The loan was never processed by Green Tree and I continued to receive bills. I contacted Greentree on XXXX XXXX, and advised them of the issue through a three way call with a XXXX rep. The rep for Green Tree ( XXXX ) was provided the routing and bank information where the disbursement was sent to. Ironically, I settled XXXX additional loans through XXXX with Green Tree and there were no issues. XXXX indicated the funds were there but had to be verified. By XX/XX/XXXX the issue had not been resolved. I contacted Green Tree several more times and no one was willing/able to help me. I also spoke with XXXX ( manager ) who indicated the disbursement was allocated to a different loan and would have to be transferred to the loan in question. Of course, nothing was done and on XXXX XXXX, I spoke with a rep for Green Tree who was actually helpful. She indicated I had a suspended credit disbursement, but the payoff still did n't appear. She attempted to reach XXXX, but to no avail. Today, XXXX XXXX, I received XXXX identical letters from Green Tree indicating that they were looking into the issue. Technically, I have XXXX loans for XXXX home and am still being contacted by Greentree for payment. An additional concern is whether my credit will be affected. According to XXXX, the disbursement checks were cashed by Green Tree on or about XXXX XXXX. 

Green Tree is a terrible company who has poor customer sevice. They make ridiculous mistakes and do nothing to rectify the situation. At this point, I believe they are intentionally affecting this process. 

Thank you.
On XX/XX/2018 I had 2 fraudulent charges at a XXXX in Colorado one in the amount of {$1000.00} and another for {$760.00} and I am in South Carolina have not visited the stated. The card is damaged and can not be swiped and I have the card in my possession so it had to have been hacked I called Netspend the day it happened the on the first call was advised that it could take anywhere from 10-45 business days for me to receive a response and may not get my money back. I asked to s/w a manager and was placed on hold for over 20 minutes so I hung up called back and was trying to tell the lady who went by " XXXX '' that my card had been fraudulently used and advised her of the previous call and I just wanted a manager. She proceeds to tell me that my other card was working and I could use that one. I tried to explain to her several times that's not why I was calling and wanted to s/w someone else she refused. Then said that she was going to transfer me to her colleague the phone went dead. I tried to call back got a recording that I was calling after hours and to call back during regular business hours. In the mean time my card had attempted to be used again for {$5.00} purchase that was denied by Netspend. 
I call today XX/XX/2018 I didn't get the lady 's name but she assisted me and asked questions about the card again I tell her I have the card in my possession it is not lost and it can not be swiped because the strip on the back of the card is worn off and I kept it active because of the bills I had set up on autopay on that card. I had to get a new one because of that reason ending in XXXX. She said that she could see I hadn't been using the card ending in XXXX. gave the info to where I could send the request to ask for a temporary refund until the investigation was completed and she deactivated the card. They have advised the letter has been recv 'd when I called back to give the police report number ( XXXX XXXX # XXXX case # XXXX ) the lady who answered told me just to email it to them instead of taking it over the phone. I have {$21.00} to my name after this has transpired and my rent and daughter 's school tuition have to be paid and they know and could careless I asked for a number to the USA she declined to give it once I found out there customer service is located in the XXXX
In XX/XX/XXXX I called XXXX XXXX XXXX XXXX to ask how I go about going for a XXXX mortgage, I was then transfer to a XXXX XXXX I told him what I was looking to do and he asked me to send him my last mortgage statement a drivers licence and SS card which I did. I never heard from XXXX XXXX again. I was being sent emails from a XXXX who would send me documents and I first saw that my new mortgage was about XXXX XXXX which was about 6,000.00 higher then my existing mortgage the monthly payments would decrease about 100.00 dollars. I told her that was not acceptable I read that on a XXXX there would be not costs. She said she would check on that and get back to me, I agree and wait. Her next email was the new mortgage would be approximately XXXX and my monthly payment decreased almost two hundred dollars. I asked about my escrow and she told me XXXX XXXX XXXX XXXX would issue a check to me, and I did not a payment foe XXXX. The next email was they would send a notary to my home on XXXX XXXX XXXX. This was the first time I realized XXXX XXXX XXXX was not the Mortgage company. When the Notary who came to my home was explaining all the doc 's to me I asked her about my escrow account she went over the seller and buyer doc and explained the escrow was removed from one column and added in the other the old escrow would be sent to me directly. On XXXX XXXX XXXX a check came from XXXX XXXX XXXX XXXX for XXXX. there was XXXX  in my escrow account. When I called XXXX XXXX XXXX the told me that Loan Care shorted them their mortgage payment that was due and the took what was needed from the escrow. I ca n't imagine why a XXXX mortgage wold cost me XXXX
Had a call from Wells Fargo customer care and recovery group regarding a complaint letter we had sent regarding their mortgage application process and how badly we had been treated. When we called they informed us that they were recording the call.. We said, we are recording the call also. She said she could n't talk to us if we were recording the call. What gives? They can record us but we ca n't record them? How does that work?
I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by XXXX, XXXX, and Equifax.
I have been disputing a item on my credit report, for sometime my latest dispute was sent a XX/XX/2018. The credit agency equifax is the agency that sent the results of my dispute it was dated XX/XX/2018. I mailed the dispute on XX/XX/2018. I received the result of the dispute a day after XXXX, Which is more than 30 days, this is false information on my credit report that is said to be accurate which is false, the account number of the dispute is XXXX, XXXX/XXXX. The credit agency XXXX  updated the information as paid in full.
I have a loan with XXXX. I hired XXXX XXXX XXXX XXXX to consolidate my payday loan debt and I pay them no weekly to do so. XXXX XXXX, XXXX XXXX has been calling my cell and work stating that he is representing XXXX to collect the debt. XXXX contacted XXXX and they still have the account and are settling for a lesser amount. The amount XXXX is asking for does n't match what XXXX   states the balance is either. The man has called my work 6 times in 2 days.