WillisBack/dataset-financial-user-claim huggingface dataset:
This shady bank,  Wells Fargo , will change your checking account type and thus account requirements for monthly fee avoidance and only notify you at the bottom of your online statement which I never really access. Then they charged a monthly fee by bumping up the requirements for the account whether it is minimum account balance, number of debit card transactions, or whatever else the requirements for waiving the monthly fee. Disclosures should be agreed upon before a switch can be made, or else they should have to close the account if they do n't get a positive agreement for the account changes.
CREDIT INSURACE ON THE ACCTS THE BANK COMMITTED FRAUD AS THEY WERE PAID BY INSURANCE BUT THEY CHARGED OFF THE ACCT WHICH IS FRAUD
I have contacted XXXX XXXX numerous times to dispute an account that is not mine and may be a possible case of identity theft. I have no memory of this account.I have asked that thisaccount be removed after exercising my right under Section 609 ( a ) ( 1 ) ( A ), the requirementof creditors and credit reporting agencies to verify accounts through physical documentation, verification of the original signed consumer contract and/or identification used to open the account. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I have requested such documentation from XXXX XXXX and it has not been provided. I also requested physical verification from XXXX XXXX, XXXX, and XXXX, all of which have not provided any sort. Somehow, these credit bureaus keep verifying data without furnishing any proof of a proper investigation or obtaining the physical proof required by section 609 ( a ) ( 1 ) ( A ) of the FCRA. When asked about this, XXXX, XXXX, and XXXX XXXX personnel replied that they use the E Oscar system to verify debts. This is not acceptable. These credit bureaus keep verifying information that is incorrect by basically matching numbers already in their data base, thus making it next to impossible to remove an account that isn't mine to begin with. This is not a reasonable investigation and their willful noncompliance is a violation of my rights as a consumer. This is my last step in trying to resolve this issue before seeking relief and monetary damages for violations under FCRA sections 616 & 617
My previous dispute on XX/XX/XXXX stated : As per the creditor ( XXXX ) and the credit reporting agency ( Equifax ), I 've waited XXXX days for my XXXX bank account information to update and report. As of today 's date this information is still not appearing on my credit report. 
Equifax responded on XX/XX/XXXX : Equifax has reviewed the complaint and its records. The disputed XXXX account is currently not reporting on the Equifax credit file. Equifax has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/XXXX. 
Relief The disputed XXXX account is currently not reporting on the Equifax credit file. 

Thank you for looking into this matter but there is a secondary action and relief I 'm still waiting for you to initiate. Please reinsert the account which was previously deleted. Attached you will find the credit report sent by you on XX/XX/XXXX showing the account actively reporting. Please re-investigate this matter as I would like you to add the XXXX account back on to my Equifax credit report.
On XX/XX/2018 I received a bill from First Finicial Resources INC in the amount of {$2000.00} for account # XXXX. 

On XX/XX/2018 I sent out a certified letter ( that the company signed and returned ) asking them to validate the debt. I also asked how they would attempt to report a debt that has already been reported. 

Its been over 30 days and I have yet to receive any response.
It is our belief XXXX XXXX & XXXX XXXX XXXX XXXX. are fronts for Nationstar Mortgage. CFPB has recorded over 10 complaints in this last year against this firm. We made a complaint several weeks ago regarding XXXX 's mistake of not crediting our Tax & Insurance set aside with {$2400.00} within 10 days of the date of the attached letter XX/XX/XXXX or by XX/XX/XXXX. By XX/XX/XXXX we received a NOTICE of PROPERTY CHARGE  DELINQUENCY as attached, as Champion now does not apply the mistaken {$2400.00}. to our Tax & Ins. set aside but makes demand for $ {$2700.00}. and claims if the funds are " not paid in full byXX/XX/XXXX or your loan may be declared DUE & PAYABLE. IF YOUR LOAN IS DECLARED DUE AND PAYABLE BY HUD IT COULD RESULT IN A FORECLOSURE ON YOUR HOME. '' Under duress on XX/XX/XXXX WE BOUGHT A CASHIER 'S CHECK MADE OUT TO XXXX XXXX XXXX XXXX for {$2700.00}. AND MAILED IT THE SAME DAY. See USPS tracking notice attached to this letter OTHER THAN THE TRACKING NOTICE XXXX has not recognized the receipt of this cashiers check. 
These funds of {$2700.00}. plus the {$2400.00}. must to sent back to sender for a total of {$5100.00} forth with or XXXX AGAIN will be in breach of our contract. We understandably do not want XXXX to be in charge of any funds in our Tax & Ins. set aside. We will continue to pay out taxes and insurance ourselves. We received notice from XXXX County that because our loss was over {$500000.00} because of the Atlas Peak Fire most of our Tax paid by XXXX on XX/XX/XXXX would be returned to XXXX with a few months after the new year. We expect XXXX to credit us with those funds as they receive them and stop threatening us with DEFAULT AND HUD FORECLOSURE
While reviewing my personal information due to the XXXX breech and exposure of my identity and personal account information, I found accounts that do not belong to me and were opened without my knowledge or consent. Although I am not sure of the exact date my information was stolen. However, I have contacted all of the credit bureaus as well as filed a report with the FTC. Please see the following account currently listed on my report : I have not signed or verbally entered into any contract or agreement. Someone has gotten my information and most likely opened accounts online thru the dark web and easily obtained goods. 

XXXX - {$2400.00} XXXX - {$7700.00} XXXX XXXX - {$12000.00}
XX/XX/2107. The amount is {$210.00}. A company called me saying that I have a debt from XXXX XXXX which I dont. I cancelled it because I moved to another city because the city i moved to didnt have a XXXX XXXX. I even paid them to cancel my membership.
I had a preferred checking line of credit ( XXXX ) thru Key Bank that functioned as either a credit card or cash loan. Due to medical expenses my limit was reached on this account. Key Bank customer service advised that I could open a Key Bank Platinum Card ( XXXX ) and transfer the previous balance to the new card at a lower interest rate. This was due to the increasing interest rate on the original card that made it difficult to keep up with payments.. The transfer would lower the interest rate. At this juncture I was expecting the original amount on the first card to be transferred to the new Platinum Card at a lower rate, then they dropped a bomb on me and advised that I could not transfer the balance to the new card. I advised them that I was unemployed at the time the new card was opened. And soon after the second card was opened, Key Bank began to raise the rate from 7.9 % to near 20 %. I kept falling behind and was unable to establish a payment program, the card rates were increasing and the penalties and interest made it impossible to repay the debt. I have since contacted them several times and offered to close the credit card accounts and convert the debt to a consumer loan in order to pay it back. They have refused all options to repay them and continue to charge me penalties. I now have little hope of ever paying this loan back unless they cooperate and realize that their manipulation, failure to close the first card, and charging me higher and higher interest with penalties has put me in this situation. 

The Bank was applying all my payments toward the finance charges and penalties and NOT the principal. This made it impossible to pay this amount off!
They said information for Federal Tax Lien is verified, no and will not be removed until XXXX. I have verification that this is not true SOL was XXXX. So I need them to remove this information ASAP.
My father is a XXXX veteran XXXX. Recently his XXXX van broke down and needs to be replaced. My father is XXXX XXXX and receives benefits from the VA. He has the funds to purchase a van, but with his XXXX, it does n't need to be brand new $ 20,000- {$30000.00} vans from car lots. I have been finding great deals from individuals that have lost loved ones and no longer need the vehicles. THE PROBLEM we are running into is the vehicles are not appraising through kelly blue book for the loans, because the banks will not consider the XXXX adaptions that have been added. I even had the receipt where the equipment was added in XX/XX/2009 for {$30000.00} for XXXX of the vehicles i was trying to purchase for {$11000.00}. and they still denied it because the plain van only booked for {$5200.00}. What about the {$30000.00} that was added to it??!!!! I am amazed that dealers can sale these at car lots and will go right through the bank, but someone that needs to sale it for hardship and MY FATHER NEEDS IT!! i do not want to go out and buy a {$30000.00} car for someone that is as sick as my father is. Then i will be XXXX of these people that ca n't sale it to anyone BECAUSE banks wont loan on them.
I have written a certified letter with return receipt to Portfolio Recovery Associates that was received on XX/XX/2017 and signed for by XXXX XXXX. The debt they are trying to collect on is beyond the statute of limitations and they repeatedly call after verbal requests and subsequently a letter. Their last call was by XXXX XXXX on XX/XX/2017 at XXXX, where she was informed of my letter and receipt by the company. She noted that the information was not uploaded into my account. This is the second call that I have received since I have gotten confirmation of their receipt of my request. This complaint is due to their violation of the law and not honoring my request.
I am legally XXXX on XXXX. I am XXXX XXXX XXXX. GM Financial knows that I am XXXX. My XXXX expired on XX/XX/XXXX. I called them well in advance of the expiration and extended my lease. I receive a phone call on XX/XX/XXXX asking me for the signed lease extension, but I had never received one. They admitted they sent it to the wrong address in NJ. They say they will resend. 


... ... ... ... ... ... ... ... ... ... ... .. 
1. XX/XX/XXXX I receive the lease extension. I fax the signed extension to them and receive a confirmation. They agree they have it. 

... ... ... ... ... ... ... ... ... ... ... .. 
2. XX/XX/XXXX I receive another lease letter from XXXX XXXX. But I didnt see it for over a month because I never check my mail because I do everything electronically as I am unwell. When I saw it I thought it was a mistake and disregarded it. 

... ... ... ... ... ... ... ... ... ... ... .. 
3. XX/XX/XXXX I receive a text from my brother in another State alerting me that I received mail at HIS house. I never lived in his house. I had him open the envelope and send me photos of the envelope and contents. In the envelope was a business card for a car repo person. I got nervous and assumed identify theft so I checked my credit report and saw that GM Financial CHARGED OFF my car. I tried to dispute it with XXXXXX/XX/XXXX but it is also reported as paid in full. Isnt it illegal to harass my family in another State to embarrass me into returning a car I am allowed to have? 
... ... ... ... ... ... ... ... ... ... ... .. 

4. XX/XX/XXXX I phoned XXXX and was on hold for nearly 4 hours and transferred to multiple people. During the call I emailed them PROOF that I had a lease extension and they illegally contacted my family. At the end of the I was told that the mistake would be rectified and I can keep the car until XX/XX/XXXX. So I made my monthly payment, which would mean I am paid in full until XX/XX/XXXX. 
... ... ... ... ... ... ... ... ... ... ... .. 

5. XX/XX/XXXX I receive a call from them at telling me they are repossessing the car TODAY. They claimed they never got the lease extension so I offered to resend it to them yet again. I resend it to them by email and they call me and said that it is now null and void because I filled it out wrong. I asked her for a refund ( of my monthly payment for XXXX ) and for a release ( saying they would release the charge off ) if I could return the car the car today and she said the charge off will remain on my credit unless I pay $ XXXX for the car right away. 
... ... ... ... ... ... ... ... ... ... ... .. 

6. I can not afford to buy the car. It is XXXX. I have less than XXXX mileage on it. I just use it for doctors visits and to buy food. Theres no public transportation to my doctors and I am not working. How do I buy another car when theyve destroyed my credit? 
... ... ... ... ... ... ... ... ... ... ... .. 

7. Theyve accepted all payments. None of them have been returned.
Credit Agency reporting-who & how to handle? 
CHRONOLOGY of EVENTS : XXXX I had severe Identity theft ( Divorce related ) XXXX I worked to get Cr agencies to report XXXX BK & debt charge-offs appropriately XXXX/XXXX/XXXX Credit Agencies started reporting BK/identity theft charges from XXXX, out of the blue. 
This error just dropped my credit XXXX points in 1 week & i was rejected for a home or rental leaving me homeless & I desperately NEED HELP!!!!
I applied for a banana republic credit card when I went to XXXX to buy some clothes several months ago. As I and my colleges remember, I apply for the credit card just because we can get a discount ( like 15 % discount ). We did n't really make payment through the credit card because we made payment by using other cards, not to mention the banana republic card has not been issued on spot. 

Surprisingly, after several months, the staff of Synchrony Bank called me for several times and also send me emails to remind me that I have to make a payment for their credit card. At first, I did n't pay attention to these emails and calls, and I suppose they just made a mistake and it has nothing to do with me since I have neither received the banana credit card nor use the credit card to make a payment. Then, I received email again, and out of caution, I call them back to figure out what has happened. The staff told me that I have to pay for XXXX dollars or so. Actually, I did n't hear them very clearly, but to avoid any possible trouble ( It 's the first time I come to America and I really do n't want to be involved in any trouble ), I just made a payment on Synchrony Bank 's website using my XXXX card. Also, the staff told me that all I need to do is to pay for XXXX dollars, and they will not call me again. 

Recently, the Synchrony Bank 's staff called me again to ask for a payment ( XXXX dollars or so ), and I 'm really unhappy and fear that they just keep an eye on me and try to extract as more money as possible. I ask them why they call me again since I have n't received the card, I never used the card, and I have paid to them several months ago ( as I have said above ). Again, to my surprise, the staff told me that I have to pay them XXXX $ per month, and I even did n't know this rule! Also, they have never told me that I have to pay for XXXX $ per month. Otherwise, I would never apply for their credit card when I go to outlets! It 's totally unreasonable and unfair. So, I think the banana republic credit card and the Synchrony Bank 's behavior is something like financial fraud. In this case, I decide to file a financial complaint online. I will try to demonstrate that I have paid them XXXX dollars out of no reason, and I will not pay XXXX $ to them again because they really deceived me on this issue. Furthermore, I am not sure if any other residents in America have been involved in the troubles triggered by the Banana Republic credit card and the Synchrony Bank. So, please help me and make it clear why they can unreasonably charge for XXXX $ per month just for the annual fee or something like that. If possibly, I also want them to give back XXXX dollars to me. 

I am a newcomer in XXXX, and my XXXX is poor. If you have trouble reading this complaint letter, please understand me and give me some support. Thank you very much!
On XX/XX/XXXX I applied for a Bank of America Business Fundamentals Checking account. There was a promotional offer advertised on the Bank of America website for new business checking accounts. I saved a copy of the offer when I applied. The offer stated that new business customers could receive {$200.00} if they applied online for either a Business Fundamentals checking account before XX/XX/XXXX and completed a deposit of {$1000.00} or more within 60 days. I applied using the link on the Bank of America website. Within minutes, I received an email notification that my application had been received. On XX/XX/XXXX I received notice that my account had been opened. Within just a few weeks of opening the account, I deposited more than the {$1000.00} requirement for the promotional offer and have made subsequent deposits since then. However, I never received the bonus. I have been in phone contact with Bank of America several times (  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Each time I am told that someone will look into the issue. I even mailed the bank a letter on XX/XX/XXXX with a copy of the offer. There has been no response. It is false advertising and just bad business to offer an incentive to attract banking customers and not fulfill the incentive. I met the terms of the offer and should have received the bonus.
Dear, Sir/Madam, I did not know to whom I should address my concerns to so if you would be so kindly as to forward it to the appropriate area I would be greatly appreciated.
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My name is XXXX XXXX XXXX I have had nothing but misery since you have become my mortgage holder. Your paper work has my mortgage start date as XX/XX/XXXX for the amount of XXXX however this mortgage was started in XX/XX/XXXX and original amount is for XXXX please see the attach documents. I am also attaching the copy of the document you sent title wellfargo 1,2,3. Please note the signature on the bottom of those document are not mine or my husband. They seem to be paste and cut.
We are current customers of Pacific Union Financial and had previously done a purchase and refi with them. XXXX XXXX we wanted to take advantage of lowering our rate. We started the process then and are now as of XXXX XXXX XXXX still in this refi process. Our file has been passed around numerous times. It took them 1 month to review and sign off our appraisal. I emailed a processor and it took almost 3 weeks to get a call back from the company at which point we found out the processor no longer worked there. And amid all of this we keep getting charge rate extensions for something that is not our fault. If the company would have been doing their job and following up on customers files when a processor quit our loan would have been closed in XXXX or XXXX with our rate at XXXX and no discount points. Now we are in XXXX XXXX, rates have worsened and the company is passing on all of the rate extensions on to us. This was not our fault. The company should cover this and credit us as they are the ones who have been dragging their feet closing a simple refinance. Loan started with XXXX XXXX on XXXX/XXXX/XXXX. We got a processor assigned XXXX/XXXX/XXXX not sure why it took a month for that. Appraisal was done XXXX/XXXX/XXXX but not signed off until XXXX, almost another 30 days. Then the processor XXXX was no longer with the company as of XXXX. XXXX/XXXX/XXXX was the last email we received from her and then we received an email from another processor XXXX/XXXX/XXXX, almost another month. This is very frustrating and not how a customer should be treated. All we want to do is close the loan with the terms they promised us when we started this process. All of their delays are now making us have to come in with an outrageous amount for closing costs because they keep charging us extensions for their terrible service. This is unethical and not a best practice for a mortgage company. They are adding the extension that now total up to {$9100.00} for discount points due to their own errors and delays.
Navient has repeatedly suggested that I use forbearance when struggling after losing my job and after encountering financial problems. I have now had several forbearances and just recently I learned about Income Driven Repayment plans ... I do n't understand why they did not tell me that there was an Income Driven Repayment option.
I called Navient to ask why my loan amount had increased from XXXX to XXXX when I did n't make any changes on the loan. Navient told me I had selected in XXXX to go on a graduated repayment option. I asked for them to investigate because I never authorized any payment changes. I did tell them I wanted a forbearance at the given time and understood I would be charged interest for the time it was on forbearance. Then they proceeded to tell me I was on a " fixed '' interest rate. The customer service line gave me different answers everytime I called. I went online and starting doing research myself. When I looked on their website for a fixed payment option it did not exist. Only options were graduated interest only option. Looking at my loan amount it was $ XXXX. Exactly the amount I took out in XXXX initially. I know I attended some adiditional colleges for approximately XXXX. However with me paying my loans every month since XXXX and only missing XXXX full year in XXXX I should have had my loans down more. I could n't seem to get any help at all.
Greetings I have initiated a dispute with TRANS UNION to remove an unauthorized Inquiry they have failed to validated that I initiated. I have asked and requested for TRANS UNION to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to TRANS UNION including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my TRANS UNION credit report. 

Reporting Inquiry : 1 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX