WillisBack/dataset-financial-user-claim huggingface dataset:
I went to  Wells Fargo t o refinance my car loan, and found out my interest rate was higher than when I purchased the car also I 'm randomly paying more. Originally I was paying  XXXX  dollars at  5.97 pe rcent. Now it 's  XXXX  at 10.59. And I 've made every monthly payment on time. So they tell me somehow back when I got the loan. The girl workingvat the time did n't p ut Wells Fargo  at the lean holder but myself in the cars title. So somehow that is my fault and I believe that 's illegal to do because they never informed me of what happened and just raised my rate and took more money out of my account. So I 'd like to know if  Wells Fargo is at  fault. Cause I was expecting to get a lower rate not  a higher one after one yea r.
This account does not belong to me and my personal information is incorrect. This is not the correct spelling of my name. Please remove from my credit profile.
To Whom It May Concern, we have been fighting Nationstar Mortgage LLC, hereafter referred to as Nationstar, for the better part of the past 2 years. We adamantly dispute who Nationstar claims is the beneficiary of our debt obligation. We have written Nationstar many times in regards to the ownership of our alleged debt and to date they have not addressed our concerns and questions. Because of Nationstar 's refusal to comply with our requests, we are filing this Complaint. The entity Nationstar claims is the owner of our alleged debt is The XXXX XXXX XXXX XXXX XXXX as Indenture Trustee for Nationstar Home Equity Loan Trust XXXX. We dispute this information because this alleged transfer occurred when the debt was in default. We understand that pursuant to the FDCPA, when an assignee obtains a debt while it is in foreclosure, it is a debt collector and not a creditor. Based on this fact, we believe Nationstar is falsely representing the character of the alleged debt in violation of the FDCPA. This information needs to be addressed prior to Nationstar participating in any non-judicial action. We presently have a foreclosure date set for Tuesday, XXXX XXXX, 2017. We understand that under the Fair Debt Collection Practices Act, hereafter referred to as FDCPA, 15 U.S.C. Section 1692f ( 6 ), Nationstar is a " debt collector '' because they are attempting to enforce a security interest in which they have no legal authority or right. As a " debt collector '' without legal authority or rights they can not proceed with a non-judicial action against our property pursuant to 15 U.S.C. Section 1692f ( 6 ). Under the FDCPA, a debt collect may not use unfair or unconscionable means to collect or attempt to collect a debt and more specifically they may not take or threaten to possess or disable property when they have no enforceable right to the property. We are filing this complaint because we are beyond frustration and anger that Nationstar is taking this action against us without legal right and authority. We believe if we do not file a Complaint, they will continue to blatantly disregard the law and fraudulently and wrongfully foreclose on our home.
In 2007, I took out a mortgage loan with XXXX XXXX XXXX for {$400000.00}. I defaulted on my payments and have been trying to work with the bank to find some sort resolution. I've submitted a mod a couple of times each time they've denied me.
I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past .I strongly believe that they are in violation of the FCRA pursuant to section 605 B and are outright refusing to uphold the law.
bank of america contacted me to say my debit card had been compromised and closed the card. i called the fraud department and theywent over the charges that were not mine and i rcived a credit the next day. 
on XX/XX/XXXX i looked at my account and saw they took the money back and called them the associate told me to give him a couple of miutes to readthe notes but did not mute phone. 
He read the notes from the screen out lould saying i was being denied because i showed no signs of urgency, i was not upset and did not put to much intrese in the situation so he came back and said te claim was closed and if i wanted to reopen i have to fax in a letter and gave me the numer. 
I find this unfair, degrading and ilegal that they contacy mr knowing the charges are fraud and then acuse me of making them becaus i dont get worked up. 
clai # XXXX and claim # XXXX
My mother was contacted by XXXX XXXX XXXX XXXX on XXXX XXXX, 2017 at XXXX XXXX by a message left on her answering machine. She called me right away and told me that they were trying to get a hold of me for a debt I owed and that if I did n't contact them right away to work a financial arrangement out then I would be summoned to court and possibly sued for this debt. I then called XXXX XXXX XXXX XXXX and spoke with a " XXXX XXXX '' around XXXX XXXX the same evening and she informed me that I still owed a debt from over 10 years ago on an old vehicle I had purchased. She originally told me that I owed a little over {$6000.00}, but that the company would settle for a little over {$2000.00}. She also said that she could talk to one of the attorneys from XXXX XXXX XXXX XXXX and see if they could work out a better deal. I was told that if I did n't pay this debt then for the next 6 months my wages could be garnished for almost {$400.00} a month. I informed her that there was no way this loan was still outstanding because it was over 10 years old and I had totaled my vehicle in which my insurance paid the remaining balance. I asked for an official document to be sent to me via email and when I did this she put me on hold for almost 15 minutes. When she came back on the line she informed me that she sent it over to my email and to check to see if I received it. I did receive an email but it did not appear to be legitimate as there were some errors in the document, one including the misspelling of my last name and it was literally a XXXX XXXX document. The document also stated that the balance owed was almost {$10000.00} now instead of the original number I was given before. I expressed this to her and she stated that it must have been typed up wrong. I am concerned that they are doing this type of thing to a lot of other people who are very gullible and do n't check facts and are just afraid to get sued so can we please get this taken care of. Thank you!
applied for wise credit card that comes with a {$200.00} bonus. I submitted my application in XX/XX/XXXX and received a denial letter dated XX/XX/XXXX. I immediately contacted the XXXX XXXX credit reporting company., who then sent me an outdated credit report. I then called them to state the errors on the report so they sent me a new & improved report showing no outstanding debt and any liens now outstanding, which is NONE. I then called/wrote wells fargo who said once a application is denied, it no longer is considered. My credit is excellent, there is absolutely no reason to deny me an account ... .except for discriminatory business practices
Whenever I called they wouldnt issue a replacement card when I saw charges that werent mines they credit some but not all. And eventually they made it where some how they couldnt verify me and told me that I have to call them with my work phone and after months I stopped trying but still made on time payments. Not they told me I havent made a payment with them well Im not able to access my account and Im not able to pay what I cant see even once I paid for it theres no available credit that I can use its Messed up
XXXX   XXXX   XXXX  the pretender lender loan servicer, its shady incompetent delusional robo-employees on the upper crooked floor division, and its lawyers on the crooked bonus division committed fraud against me for years attempting to steal my home, pushing me around making threats with the loss of my home using fraudulent foreclosure and fraudulent trustee sales. The pretender lender loan servicer has clouded up my title frozen all my equity and ruined my credit by placing fraudulent incorrect information on all  XXXX  major credit reporting agencies for years. I know its been a complete waist of time filing consumer complaints against the pretender lender loan servicer because its employee  XXXX   XXXX  on the crooked floor division is trained to respond to all my CFPB consumer complaints using her  XXXX  spin-pin-tool not to admit  XXXX  dark secret white collar crimes cover-ups, and that 's exactly what it is, its nothing less that. After the pretender lender loan servicer used its cozy relationship with  XXXX  as a weapon against me leaving me with no options to save my home from fraudulent trustee sale, only leaving me only  one  option to either sign the increased none negotiable loan modification or lose my family home I own free and clear. I have repeatedly told  XXXX   XXXX  that my attorney will be filing a major lawsuit against the pretender lender loan servicer in the coming days, and that the payoff evidence and witnesses will take place in a court a law or in law enforcement agencies. I was advised not provide the pretender lender servicer incompetent delusional employees on the upper crooked floor division and its lawyers on the crooked floor bonus division any evidence. The courts and the authorities have access to the evidence at anytime.
when XXXX got breached in 2018, I was a identity theft victim. Since then I been a victim of multiply fraudulent accounts appearing on my credit report. I filled a police report and made several FTC identity theft reports. XXXX sent me a letter stating they are above the law ( Fair Credit Reporting Act ) and they can circumvent the law ( Fair Credit Reporting Act ) by not block my fraudulent accounts within 5 days, but at XXXX XXXX discretion. If my information would have never been " hacked '' or " breached '' by XXXX I would have never been in this situation. I have attached my letter of demand and affidavit along with my FTC report number and letter for your review. I want XXXX to stop circumventing the law with excesses to send letters to 3rd party furnishers and do there job as the law pertains. I am currently working on 3rd party furnishers but XXXX  refuses to follow my demand concerning the law ( Fair credit Reporting Act ) section 605B. ( Please see attachment )
On XXXX XXXX 2015 I submitted a bill pay for {$2000.00} from my bluebird account to an account at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX returned the money on XXXX XXXX 2015 as it was going into a non-like titled account and they did not want to allow it. It has now been 42 days and the money has still not been credited back to my account even though I have provided the trace ID of the returned funds to American Express multiple times as well as escalated the issue multiple times.
I had federal loans serviced by XXXX which are ten years into repayment. I was told I would qualify for the PSLF plan and to contact XXXX XXXX. I did, and was notified that my loans and employer qualified and my loans were being transferred to XXXX XXXX. Three weeks ago I received an email stating I was given incorrect information and that my 8 years of payments with a qualifying employer would not count and I have to switch my payment plan. This new plan made my payments go from {$480.00} a month to {$1100.00} a month. Clearly if I could afford this payment, I wouldn't need loan forgiveness. They would also be paid off within ten years, making the program benefits pointless. Without any notice, I received a letter today saying they decided my payments- without changing payment plans- would go from {$480.00} to almost {$700.00}. I never even requested this or had any input. I've been on hold almost an hour and spoken to representatives who state they are " unable to help me ''. As a government entity, this company is an embarrassment.
I 've been paying all my bills on time with  American Express for  about 15 years, but on  X/XX/17    AmEx denied my request to reinstate account  XXXX   XXXX   XXXX . I wish to complaint for religious discrimination in denying account based upon the perception that I am  XXXX . My  credit score i s very high, with no derogatory information.
In XXXX, because of a bank problem, I ended up paying my mortgage holder, ditech, XXXX payments. I requested they return XXXX of them. The amount was {$1600.00}. That is my mortgage plus extra for additional principal each month. I documented my calls, and had my Bank conference with me on at least XXXX of these calls as witness. Ditech agreed to return the extra payment. My bank sent written confirmation and review of these calls and agreement to ditech and myself. They have not returned the payment. Thy have ceased to send me my written monthly payments since this problem occurred. Ditech has repeatedly indicated they would have someone call me back about this, but never did. I would like them to send me my written monthly bill/statement. I would like to see what they have done with the {$1600.00} overpayment in XXXX. We checked my address and it was confirmed correct. They claim statements have been sent. The customer service agent told me that my mortgage has been " flagged for foreclosure ''. She could not indicate why. I have paid this mortgage since 1998, never late, and for the last year, always over the amount due to be applied to additional principal. The agent told me this would be explained to me by the supervisor who would be calling me to follow up on my inquiry. This has happened with this company before, and no one calls me back to follow up.
I have an american express card that I made a payment to the wrong account ( there is only one number different between the last 5 digits of my account versus my husbands account ). There was a large credit to his account, we never recieved a call or notification despite them having all information about all accounts, my account was reported as late, and this went on for several months before I was sent their internal collections, XXXX. Since signing on with XXXX, XXXX continued to report my account as late even though every payment through them was made on time and even additional payments were made. Once I realized that the ongoing negative reporting had continued I spoke with XXXX, eventually got through to a supervisor of their Credit Bureau Unit who agreed that this was very messed up and felt that this was handled poorly and recommended that I speak to the Care Team and file a complaint and request a re-aging of the account. She transferred me and the representative took my name and number, told me that the Supervisor of that department would call me back and I never recieved a call. 

The following week, I again made several phone calls and began filing a complaint with the Inquiry Center whose representative, XXXX, was very helpful, agreed to file the complaint and reverse the credit to my husbands account and submit for a re-aging of my account and we were disconnected. I called back, was transferred 7 times, was assurred that I could not be connected with the exact representative, was transferred 4 more times and then told they could not talk to me because my account was in collections. 

My husband called and was finally able to speak to a customer service representative who stated that he saw all of the notes in the records, would complete the reversal of the credit from his account to my account, reverse all of the late reporting and that given my husbands permission to discuss this with me, that he would call me back within 10 minutes to confirm the agreed upon action. We again, have never recieved a call back.
I am currently 12 days past due on my car payment. The day my car payment was due I called from a co-worker 's phone to advise my finance company of the exact date I would be able to pay. ( exactly 13 days from my due date ) I clearly informed my finance company that I was contacting them to keep them informed and I had no previous due balances. I informed them that I was letting them know so that no collection attempts were made. They are repeatedly calling my coworker, friends, and family to try to collect my car payment, and the day that I promised to pay has n't lapsed. Yesterday they called my coworker back to back 5 times in a row until she answered the phone and informed them to not contact her again otherwise she will press charges for harassment. They are embarrassing me to all of my friends and family and I 'm currently only 12 days late on my payment. This has also happened in the past when I needed to pay late. I 've never paid my bill later than 14 days past due. This is clearly harassment. They will text if no one answers the phone even after I 've requested to never be communicated via text. They are claiming to my friends and family that I have not communicated to them when I 'm going to pay, and they are stating that they are just trying to help me, however there is no help that they could give. I have asked to be switched to a monthly payment instead of a payment every 2 weeks, which would be helpful, however they are unwilling to do so. I am still planning on making my payment as promised however they will not cease with the embarrassing phone calls to my friends and family. I have requested that they never call my friends and family again in the past due to their embarrassing and harassing behavior and they continue to do so if I 'm ever late for a payment. I would understand the calling if I were months and months behind however they do this starting 3 days after payment is due whether I contact them or not. This can not be legal!
In XXXX 2017, I noticed that the Ad Astra had posted derogatory remarks on my account. I sent them multiple opportunities to verify debt but all they would reply with was they reviewed the account and determined that it was valid. 

I contact them back and said that the message they sent is not proving that i owed their company money. After i sent the 3 letters, i submitted a estoppel and after a day or two after they received the estoppel, they contacted me again wanting money from me via postage mail. 

Even though they XXXX my account with XXXX XXXX, they continue to leave derogatory remarks with XXXX and possibly also XXXX ( I have not checked XXXX yet )
On my TransUnion credit report, I have information from another person included in my report. This is negatively effecting my report and my credit score is drastically different on TransUnion than it is on XXXX. I have spoken with TransUnion multiple times and they have been able to get things taken off my report, but they have not been able to permanently get the additional person removed from my report. I would like to be able to have this person removed permanently instead of having to get everything removed one at a time.
Equifax , after completing investigation # XXXX and reinvestigation # XXXX continues to permit their client, XXXX to report incomplete, inaccurate and misleading information. On my partial account # XXXX, Equifax allows XXXX to engage in " re-aging '' of account, a practice expressly forbidden by the FCRA.THE CREDITOR SHOWS A DOFD OF XX/XX/XXXX FALSELY. THE CREDITOR ALSO SHOWS A 120 DATE LATE ON XX/XX/XXXX THE ACCOUNT WAS NEVER BROUGHT CURRENT IN BETWEEN THOSE DATES. 
THEREFOR, ACCORDING TO XXXX 's FALSE REPORTED RECORD THE ACCOUNT WOULD HAVE BEEN 30 DAYS LATE ON XX/XX/XXXX AND THAT WOULD BE DOFD
The issue is with a company called XXXX XXXX XXXX. This seems to be a new credit reporting agency. This company have incorrectly reported my credit score. I was in able to get a new Car Loan because of XXXX XXXX. 
I have read the reviews about the company and it seems every consumer has the same complaints. 
-credit score 200 points lower than the major agencies.

-no one is ever in the office -getting the actual report from XXXX is impossible.

I want to know WHY these people are even involved in my credit report.

The website says they are an XXXX Company. So then XXXX needs to be the only company reporting my credit history. I want XXXX XXXX to STOP reporting my credit and score immediately!!!
I had a Walmart card total credit limit was XXXX. I paid XXXX in XX/XX/XXXX, they closed my account after I made this large payment. But they continue to charge my bank and take money out. The balance I owe was {$67.00}. Walmart has taken  that amount over 5 times and I have proof. It is on my bank statement. Recently, they took {$73.00} in XX/XX/XXXX although my account is paid in full. According to my credit report. WHY IS XXXX XXXX continually taking money to put in an closed account, now they are saying I owe them {$130.00}. HOW? I HAVE NOT USED THIS CARD IN ONE YEAR AND MY ACOUNT IS PAID IN FULL WHERE IS MY MONEY GOING OR IN WHOSE ACCOUNT. Something is not right here plea.e investigate. They already caused my credit score to drop by closing my account, Now this. SOMETHING IS NOT RIGHT, what rights does a consumers has please help! 

On the attach document shows Walmart ACH means automatic payment in XX/XX/XXXX of XXXX they are just taking money for me, why. I have XXXX children and need to build my credit to get a house and unhonest company is hurting the small man.
I had a XXXX which was an XXXX. I opened a BUSINESS credit card account with XXXX XXXX XX/XX/XXXX. The business never made much money and I decided to shut the corporation down XX/XX/XXXX. I closed as many credit lines as I could by paying for them out of my personal income. There were XXXX credit lines still open that I could not pay right away until I paid more of my personal debt off to get more cash flow. I will have to pay the accounts eventually from my personal income. However, as soon as the BUSINESS credit card for XXXX XXXX went past due for 60 days, XXXX XXXX reported the NEGATIVE only information to the credit bureaus under my social security number. I have confirmed that the XXXX number for XXXX XXXX is on the account record and is accurate. I was told by XXXX XXXX that their policy is to report ONLY NEGATIVE information under the primary and secondary business owner 's social security numbers as well as the business credit bureaus under the XXXX. I believe this is wrong, unethical and may be illegal. I believe this is an attempt to circumvent the laws governing a separation of personal and business debt. Also, it shows that XXXX XXXX 's intention is to cause harm to the personal financial reputation and not to assist in collecting the debt. The fact that ONLY NEGATIVE information is reported under the owner 's social security number AND to the consumer credit bureaus is vindictive business practices designed to destroy the financial reputation of the business owner instead of the business ' financial reputation instead. All business debt should only be reported to business credit bureaus and completely separated from personal debt. The credit bureaus should not be allowed to report business debt on personal credit reports especially in the case where legal means have been used to isolate business and consumer debt for example in the case of a XXXX etc. XXXX XXXX 's current policies ignore the laws governing the formation of these legal entities under the law. The way I am impacted is that I have lost thousands of dollars in the business failure. By XXXX XXXX damaging an otherwise pristine personal credit record, I am not able to sell my house and get a lower costing mortgage which would help me pay back XXXX, XXXX 's debt. My personal credit bureau scores do n't allow me to re-finance the debt or allow me to maneuver to find a solution to repay the debt. So, in reality, XXXX XXXX 's behavior and policies are damaging to the economy, the banking industry, the mortgage industry, business financing, and shows a vindictive intent to destroy the personal credit of the business owner. This behavior should be outlawed.