WillisBack/dataset-financial-user-claim huggingface dataset:
In 2005, XXXX XXXX received an advertisement from Wells Fargo Bank offering her a chance to participate in a " Special Government Program '' which allowed her tax-free money, " plus you wo n't have to make a payment for as long as you live in an own your home ''. She was left with misimpressions about the product. She was confused about the reverse mortgage being a loan, left with a false impression that it was a government benefit that would allow her to stay in her home for the rest of her life. The ad was incomplete/and or contained inaccurate information.
US B ANK IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTE D US BA NK SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  US BANK  TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
I 'm trying to perform a trivial operation - temporarily lift a security freeze on my credit report. However Experian 's website is not working correctly ( it repeatedly gets stuck at " loading '' ). When I call them, I get an automated phone tree with limited and inappropriate choices. I can not speak to a real person to perform this trivially simple operation. This is wasting an enormous amount of my valuable time. This company makes money from me therefore it should be more accountable and responsive. I strongly support heavy federal regulation to ensure this happens. Please tell me what I need to do to cause this to happen.
I paid my gas bill on XXXX/XXXX/2015 at my local bank. I was later toldthat they had problems that day and that my payment did n't gothrough, I realized it when I received my gas bill and it was XXXX. 
I immediately paid the bill when I realized it did n't go through. 
Equifax have me listed for a late payment when it was throughno fault of my own.
Since XXXX 2010 XXXX XXXX XXXX have been trying to collect an alleged {$1400.00} credit card debt from me. They have threatened me w/ a lawsuit to collect the debt without serving me at my residential address. They have obtained a default judgement because I not present at trial and I was not aware of the lawsuit against me. I disputed their debt and asked for verification bearing proof of my signature. They have failed. They sent a list of credit card statements instead. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>Till this day they continue to report derogatory information on all 3 of my credit reports listing charge off 's every month for the last 7 years damaging my credit worthiness. Given that XXXX XXXX XXXX acted in bad faith, and have not complied with federal and state laws, I told them I would file a small claims lawsuit to seek damages in violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
I had a mortgage through Wells Fargo for 3 years. during year two, I lost my job, due to a XXXX, and I was unable to find suitable employment that was able to pay my bills. I attempted to get a forbearance on the loan. They kept requesting documents and losing them. I demanded a different agent since the one I was talking with would n't return phone calls and repeatedly lost documents. They refused to do such, and after a year of dealing with this and other issues, they repossessed my home. At the time the county appraised my home at a taxable {$160000.00}. This played a part in a years worth of trying to recover, crawl out of homelessness, and completely devastated my credit. Wells Fargo did everything in their power to ensure that I had no ability to actually save my house, and refused to discuss options with me.
I applayed for Loan on internet the amount I applied was {$770.00} with My LoanSite.com phone # XXXX Lender XXXX XXXX XXXX SD XXXX At the time agreement and disclosure was not visible. I was not informed about APR that will be XXXX % and finance charge will cost me {$3800.00} and total amount I will pay after I have made all payment as scheduled will be $ XXXX feel that I am victim and this Loan company taken advantage of my needs by exposing me to procentige rate that is astronomicaly high.In my opinionthis practice used by the lender is unfair.I never receive any paperwork with details of the loan, no any email explaine the loan, no any phone contact. I believe that I am victim and loan company take advantage of my needs.The loan company widraw from my account every Friday {$230.00}. XX/XX/2017 my balance is {$1000.00} this amount I am paid them.I have no doubt that this Lender violated a FCP law or regulation. The Lender never explaine agreement, never contact me by email, by phone by mail I never review the agreement my family member found on internet information about this lender. I contact XX/XX/2017 by phone and spoke with representative XXXX. I request to speak with supervisor or XXXX she promise that supervisor will call me and I will have shance to resolve the problem with the loan. However untill now no any contact at this time. Amount given to me direcly is XXXX {$770.00} I am paid {$1000.00} ... but I am not agree to pay them {$4600.00} I need help and asistance and I am requestung this loan to be closed imediately, hope so that some XXXX will be loked into my problem and here will be solution and this loan company need to provide on time information about the loan, rate , %, term by mail, by email or by fax.
Had Hospital Bill over {$20000.00}, Hospital had contract with Insurance Company to pay at contract rate per their contract. Hospital is trying to collect over and above what was contract for. Hospital has sent a collection agency after me and is harassing me to pay an additional amount of money above what the Insurance paid.
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to CBNA/Best Buy with his information that resulted in an inquiry XX/XX/XXXX and XX/XX/XXXX that he did not authorize. In addition an application with CBNA/Sears was also submitted with his information XX/XX/XXXX. An official dispute of this information was sent certified mail to CBNA/Best Buy and CBNA/SEARS however a current credit shows these fraudulent inquiries are still listed which is a violation of the FCRA.
I wanted to consolidate my credit cards. I went to my bank that holds my mortgage. I had a XXXX credit score and wanted to use my equity in my house to get a loan to pay off {$20000.00} in credit cards. The loan officer took all the information and worked with higher loan officers. They told me to get the Wells Fargo credit card that gives back XXXX % to the home mortgage and transfer {$5000.00} to that credit card. Also, they said if I paid off the rest of my car loan, that would make the numbers work. I sold some of my father 's estate items and paid off the car. I transfered half of my XXXX card to the Wells fargo card and then they denied my application. 
The loan officer said there was an issue and he would try again because he was told it would work. I was denied again after he assured me it would work. Now my credit score is down to XXXX or so and we tried a third time based on his " new '' information from his loan associates. They denied me again. 
The problem he told me was with the amount on the credit cards being used in my application even though the money is to be used to pay them down. Every time he would call them, they would say it was fine and they would take that into account, yet, everytime the loan was applied for, Wells Fargo would turn it down. 
I wasted my time, sold items I did not want to sell and lowered my credit score all because Wells Fargo told me the numbers worked and I would be able to get a loan. 
This is ridiculous that this can happen. I honestly believe they wanted me to transfer my credit to their card and then hold me hostage. 
XXXX
Transunion keeps ignoring me and not fixing anything. I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. Accounts XXXX XXXX XXXX XXXX XXXX XXXX I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. Inquiries 1 )  XXXX ( XX/XX/XXXX ) 2 ) XXXX/XXXX ( XX/XX/XXXX ) 3 ) XXXX/XXXX ( XX/XX/XXXX ) 4 ) XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX/XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX )
XX/XX/XXXX, during the time taxes are paid, we refinanced our mortgage. At the time, our lender, Loancare paid our taxes of just over 5k and also our title company at our closing paid too. I called county to see what happened and they told me they received payments from title company and that Loancare should reimburse us what they tried to pay ( {$5000.00} ). Since XX/XX/XXXX, I have called Loancare to find the status of our money 8-10 times. I have XXXX documented calls of who I 've spoken to, however, I get the same answer, " we are having your issue escalated to our tax department and they will review. '' I 've been told that someone would follow up and nothing ever happens. At this point it 's now been 2 months and I have no idea where our money is.
The last of XX/XX/XXXX my husband passed away. The beginning of XX/XX/XXXX I began receiving citations on my home. The house needed painted or sided. I did n't know what to do. A door to door sale man showed up they sold siding. I signed papers with a salesman for the Loan of there choice. Did n't understand it but thought they were helping me with my problem. I got the loan in XX/XX/XXXX been making monthly payments of {$200.00} for XXXX yrs now. I have already paid the Amerifirst {$16000.00}. It 's a XXXX yr loan with interest rate of XXXX. The loan is for {$15000.00}. I'ved called and ask what the payoff is and it is the same amount I owe no discount. I also asked if they could lower the interest rate because I 've been a good customer and they said no. I just do n't know what to do. Buy the time I pay them off in XXXX yrs it will be more than double the money I owe. How can that be. Thank you for listening.
I applied for an XXXX XXXX XXXX MasterCard issued through Barclays Bank on, or about, XX/XX/2018. I received a letter dated XX/XX/2018 from Barclays Bank requesting additional information ( Copies of Social Security Card, Driver 's License, and a Utility Bill in my name ) which I sent to them on XX/XX/2018. The letter from Barclays did not include any phone number that I could use to contact them. I heard nothing from them until about 2 0r 3 weeks ago, when they sent an identical letter to the first one requesting the same information I had already sent. The letter still did not contain any phone numbers for contact purposes. To date I have heard nothing more from Barclays. Today ( XX/XX/2018 ) i have tried to call Barclays from a phone I got from the Barclays internet site. They transferred me three times and no-one could help me. I have tried the phone numbers they gave me and they specifically state they have no information on application status 's of any account. My Application number is XXXX and I would like to know why they have not issued a card and why they have not contacted me if they intend not to issue a card. I think failure to notify me of why they denied credit is a violation of law ( if they have  denied me ). My FICO score is over 800.
XXXX XXXX continues to falsely report my credit to the companies, which is resulting in inaccurate reporting. I have reported this issue with Equifx and XXXX, yet the false reporting continues. Every customer service representative that I have spoken to has confirmed that I have never been late on my auto draft payment. The accused late payment is XX/XX/XXXX. This account was reported up to date until XX/XX/XXXX or XX/XX/XXXX ( depending on the company being reported to ). This error has taken my credit score down significantly and XXXX refuses to fix their error, as do the credit bureaus. I have sent proof of payment in the form of a PDF showing the payment was withdrawn from my banking account on time and that XXXX posted it to their site on time, too. None of this has seemed to matter. I will attach this evidence here once again.
RRS is assuming that the debt is mine due to my lack of dispute to their initial communication letter. However, according to the FDCPA, my lack of response is not an admission of debt. On XX/XX/2018, when I called the representative admitted to not having any documentation on file about the debts. Afterwards, RRS voluntarily ( without my knowledge or permission ) obtained my records from XXXX which included itemization of services that listed the labs I took, an XXXX  " Acknowledgment of Receipt of Notice of Privacy Practices '' with my signature, an XXXX  " Patient Information Sheet '' with my signature, and a copy of my driver 's license. None are these are CONTRACTS stating I take responsibility for the bill. Also, RRS violated HIPPA by obtaining my private medical information without my permission because they admitted to voluntarily obtaining my files. This means that RRS cant produce a HIPPA Release form where I gave them permission to obtain my medical services. RRS reporting their accounts to the credit reporting agencies, is illegal due to them using information illegally obtained. Theyre saying my disputes have no factual or legal ground, however with RRS having my medical file and information without me knowing especially after their representative stated they had nothing on file for me is a clear violation of the HIPPA Laws. RRS is aware of this violation and refuses to remedy the situation. They are now subject to up to {$50000.00} in fines per violation according to the HIPPA Guidelines. By continuing to report the information they are exercising illegal debt collection. Also, I checked with the hospital and they confirmed that there is a balance of {$0.00}.
My credit information, personal identifying information, and financial history were compromised in the XXXX Equifax breach. As a result I 've placed security freezes with the XXXX credit agencies, totaling {$31.00} in fees.
I reported some information to Experian that I felt was misrepresented in my credit filing, specifically past liens for payroll and unemployment that were not for late payments, but rather failure to report, due to the State of MI not processing my address change. They wre immediately released when I supplied documentation and no payment was ever required. I also reported XXXX fraudulent billings on very small medical bills and a couple of errors. Experian made notations, but no corrections and arbitrarily and capriciously LOWERED by score with them from XXXX down to XXXX. My scores with XXXX and XXXX remain at XXXX. I found out only when I lowered XXXX visa card from XXXX to XXXX and put my twins starting college on it, and then attempted to raise my XXXX visa from XXXX to XXXX, as I have to carry that XXXX since I like XXXX. I found out it was Experian data that resulted in the denial and I find their lack of understanding of state liens and their general vindictiveness very troubling.
someone in north Carolina has stolen my identity information and has purchased items including XXXX cell phones thru XXXX on XXXX/XXXX/2015. A police report was filed as soon as I found out about it on XXXX/XXXX/2015. A investigation from XXXX is under way thru there fraud department and our local police department.
My credit report is showing an account in collections that was opened on XXXX XXXX, 2013. The company name is Jefferson Capital Systems. I have never received any documentation or telephone calls from this company. I submitted a dispute to XXXX and I have yet to receive any documentation regarding the origination of this debt that is in collection.
Seneca Mortgage Lending Services said they paid my XXXX County Property Taxes on XX/XX/2016. XXXX County has no record of payment. Seneca told me they would send me proof of payment, but never did. Now my loan was sold to XXXX XXXX and they ca n't seem to help me.
Wells Fargo says my statements are available online for seven ( 7 ) years but, when I closed out a money market savings account my access to the statements ended and they want to charge me {$5.00} per statement. I did n't download any statements for my closed MM savings accounts planning on being able to see them online. I feel misled and potentially gouged.
XXXX XXXX XXXX is reporting negatively on my credit report XXXX XXXX XXXX is reporting negatively on my credit report and I was n't aware of the reporting until I checked my credit report and saw it. I have n't received any type of bill or notification of the past due amount but yet the company felt the need to report it negatively on my credit.
We were in a Federal Declared Disaster Area for Hurricane Irma. I heard by others that Mortgage companies were allowing home owners to put a " hold '' on their mortgage payments for 90 days. I called Wells Fargo in response to this and they said yes, they could hold the Mortgage payment for 90 days with no penalties, late fees or consumer reporting. I was also told that the payments that were missed would be moved to the end of the loan. After the 90 days, I resumed payment on the Mortgage and have made every payment on time. I have never missed or have I been late on a Mortgage payment. I thought it was great that Wells Fargo was going to help us get the repairs done that we needed. We also lost power for 1 full week so we lost all of our food and supplies that were in our refrigerator and freezer. We were unable to cook and we had to find somewhere else to stay during this time as it was 87 degrees inside of our house. I was quite surprised to receive a letter from Wells Fargo in XXXX in reference to the pending foreclosure on our property. My husband spoke to XXXX XXXX from Wells Fargo and he " suggested '' we do a loan modification. We are not interested in doing a loan modification at this time as we would like to sell within the next few years. After many lengthy conversations I ended up speaking with XXXX XXXX, a Supervisor who informed me that they could do a loan modification with only an inspection of our property and job verification. I decided that was doable just to put this whole thing to rest and move on with our lives. Last night I received an e-mail from XXXX stating that we would have to do a full modification because I stated that we were in the middle of a lawsuit and my " funds were being stifled ''. We are in a lawsuit and we are the Plaintiff. I never stated that my funds were being stifled and have not been late on any Mortgage payment. I feel this is Wells Fargo 's way of trying to hurt me, their customer for almost 10 years with our Mortgage. I also was under the impression that if you are in a FEDERALLY DECLARED DISASTER AREA, as we were, that Mortgage companies are not allowed to do this nonsense. This has caused me a lot of stress and I need a resolve to this.
Unauthorized inquiries and/or unknown companies : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
XXXX- debt does not belong to me/ no contract- XXXX XXXX.- debt does not belong to me/no contract XXXX XXXX- was removed and replaced back on my credit without a notice. The orignal was XXXX XXXX and the account does not belong to me XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX XXXX- debt does not belong to me XXXX XXXX XXXX- not my debt/ was removed from XXXX  and transunion- 'XXXX   FOLLOW SUIT WITH REMOVE ASAP '
XXXXXXXX XXXX was paid but the account is still reporting as late and in collection disputed this multiply time but hasnt gotten any verified information as to why this is so.
XXXX client, XXXX XXXX is a victim of identity theft. She was notified of a fraudulent inquiry to her XXXX credit report XX/XX/2018 made by American Express ( AMEX ). An official dispute of this fraudulent inquiry was sent to AMEX XX/XX/2018. A letter from AMEX was received by this office stating " does not contain sufficient information to conduct reasonable review ''. In the dispute AMEX was provided a notarized POA, FTC fraud affidavit as well as a police report, photo ID, SSC and utility bill. These items are more than enough to conduct an investigation of ID theft. This inaction is a violation of the FCRA and a violation of my clients federal consumer rights.
I have been trying to make a payment with my mortgage company LoanCare. I haven't been able to pay online and have finally figured out that they transferred my loan to another company and I didn't receive notice that this was going to happen. I looked in my payment history and it says XX/XX/2019-XX/XX/2019 Loan Service Transferred and everything has a XXXX  balance. I have been trying to pay my mortgage for more than a week now and didn't understand why it kept giving me an error message. I have not idea who my new loan servicer is and I haven't been able to make my XX/XX/XXXX payment! I don't want to go into default for missing this payment. How do I figure out who my new loan company is and if they have everything to receive my XX/XX/XXXX payment?