WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to make a payment for past two weeks they refused to take one very rude demanding full amount. I asked to defer a payment back in XX/XX/XXXX due to all the repairs that were now needed on my XXXX XXXX. Wells Fargo said yes mailed out the paperwork told me to fax it back which I did. My vehicle was in an accident the week before XXXX I had to pay {$1000.00} deductible towards the repair. In XX/XX/XXXX when I called to make XX/XX/XXXX payment they told me my truck was out for repo that I was 120 days late. Customer Service Agent refused a payment until I threatened to file a complaint told her I had returned my deferment she said too bad that I had not. I had to fight to get a manager. Than my car engine caught on Fire a week later the alternator was ruined and so was the entire electrical system. I opened a claim with XXXX called Wells Fargo to say I had to hold off on my scheduled payment until the mechanic knew if the car was totaled or could be repaired. My case manger screamed at me that I still had to PAY even though I told her it would be covered under the insurance policy if it was totaled and that XXXX said entire loan would be paid. I finally got my truck back 14 days later it cost {$980.00} for new wiring & a rebuilt Alternator but my oil tank was still leaking and the transmission is mixing. Wells Fargo has refused all payments from me in the past two weeks and they will not honor the deferment that was supposed to be granted even after I emailed the copy to the Office of the Dealer President and spoke to them about the refused payments on a truck with 141,000 miles XXXX. I can not pay over the automated system since XX/XX/XXXX when they disabled my account at XXXX the guy on Thursday laughed and they lady on Friday said it was too late. They have misapplied previous payments and than sent out letters months later apologizing they are horrible to work with. I have had this loan since XX/XX/XXXX XX/XX/XXXX
I took out a loan with castle payday for XXXX dollars. At the end of that month if I had paid in full I would have paid XXXX. I have paid XXXX dollars for three consecutive months. And at this time I still owe XXXX dollars. At this time I would like you to look into the legality of their practices.
I went through all the steps on XXXX to obtain my free credit report from Equifax. It has been several years since my last request, so I am clearly eligible. However, after going through all of the verification process on the Equifax website ( ported from XXXX ), the result was " Online Delivery Unavailable '', and I was directed to complete and mail in some form, with several attachments to " verify identity ''. This is XXXX and effectively excludes me from obtaining my government mandated free credit report. I'm sure that any potential creditor requesting my credit report from Equifax would obtain it instantly ( otherwise, Equifax would be out of business ), so this is clearly discrimination  between " paying customers '' and myself as a member of the general public - a disparity the law was intended to correct.
I found unknown charges in my business account at the bank that services my business in small amounts as debits in the mount total of {$780.00} when I questioned the debits was told they were charges from a XXXX XXXX that had been paid and were not to be contested or refunded to me. Since I had not applied nor received a card statement or any record I found out XXXX is a card service of Wells Fargo Bank I found a phone number XXXX XXXX XXXX I called and spoke to a XXXX XXXX who told me was going to E Mail me account agreement, statements etc. but I never received it, I called again and spoke with the same request to a XXXX XXXX who said was sending me the requested information but after several weeks I had not received the information. 
So at this point I believe I have been defrauded by both banks. 
,
I use XXXX XXXX XXXX in 2005. I just had my XXXX  child and I accidentally overdrafted my US Bank account by {$0.00} on a purchase on a Friday. I didn't work the following weekend and was completely unaware of the fees being {$35.00} a day on weekends. By the following Friday when I went to the bank to deposit my weekly earnings, they told me I was {$120.00} negative. I simply couldn't afford that because of the baby. I told them I wanted to close my account so I didn't get more charges and they refused saying it couldn't be closed until the amount was paid, so I left. 13 years later I'm woken by a phone call saying they are trying to serve me legal papers with intent to sue for over {$3000.00}. Clearly this should never happen and I don't think being forced into bankruptcy should be legal.
Someone has stolen my identity sometime between XXXX -- XXXX they have trying to open several accounts one that we know for sure was Home Depot through Citibank and there are some others but I am not sure what companies that they are from. 
The people who put this in motion and gotten my information all of my stuff and once they had the account open used it and ran up the bill when they called to request payment from debt collections I had no idea what they were talking about I didn't think I should pay for something that I did not authorize and then they started threatening me with garnishments and arrest all kinds of things and then XXXX and send a summons that I have to go to court but they're going to voicemail thing and I'm really not understanding how all this can happen? 
I would really like someone to help me understand how people do this and how it's almost invisible until it's too late and then when you try to stop it you can't?
I received a phone call from a debt collector claiming to be from a law office on an old credit card account that was from XX/XX/XXXX. The man that I spoke to was named XXXX at XXXX he attempted to call me several times while I was driving but the call kept dropping. When I was finally in an area that I could return a call to him, I did, and the following conversation transpired that left me feeling UN-eased and uncomfortable. He asked me if I was going to take care of the debt, and I replied no because there was a savings account attached to that credit card that would be used in the instance that I defaulted on the credit card. He told me no there was n't and I replied yes it was from XX/XX/XXXX, then, he told me that the account was opened by me XX/XX/XXXX. I then told him that I did n't go by the name he was stating over the phone since XX/XX/XXXX when one year later I went into the XXXX and the military legally changed my name to my maternal mother 's last name. So I told him good luck proving that I existed by that name XX/XX/XXXX, because I 've been going by my maternal mother last name since XX/XX/XXXX ; at which time he responds to me by saying I knew you were a transgender and bye. So what recourse do I have to pursue any matter in this situation with this certain individual that totally got it wrong and made a derogatory offensive remark to me?
In XXXX I opened a CitiGold checking account with CitiBank. I confirmed in XXXX that I had a promotional offer of XXXX XXXX XXXX XXXX miles attached to the account with the following requirements : -Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card . 
-Schedule 1 qualifying bill payment to the new checking account during a calendar month and during the following calendar month. 
The AAdvantage bonus miles will be credited within 90 days from the end of the statement period in which you complete all offer requirements. 

However, I contacted Citibank in XXXX after completing the requirements and waiting for the bonus to post. I was informed that my account was not eligible for the bonus, despite the previous confirmation that I was eligible and the bonus was attached to my account. I feel this constitutes a flat out lie by Citibank.
I'm asking the CFPB to obtain a copy of Wells Fargo 's mortgage contract between XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and Wells Fargo Home Mortgages XXXX XXXX XXXX XXXX XXXX IA XXXX Their attorney sent XXXX XXXX a draft of a contract that did not meet Federal criteria. I sent this document to one of 13 Federal Handwriting Examiners, and this document failed. It was not XXXX XXXX signature. It was a signature retrieved from XXXX. It was a digital signature. It was a copied signature. It was not a blue or blue-black ink signature. Wells Fargo continues to state they have a signed contract. They do not. Their attorney is XXXX XXXX of XXXX Law Firm in XXXX XXXX, Iowa. You are being asked to get from Wells Fargo the legitimate signature stated they have. I've been trying for 10 years. This is the last request before court. 
XXXX XXXX Cell : ( XXXX ) XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX
starting on XX/XX/2018 thur XX/XX/2018 i have disputed serveral accounts on my credit report with Equifax XXXX. XXXX XXXX XXXX, GA XXXX, XXXX XXXX. Box XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX, and i have requested validation of debits listed below and a copy of my wetting signature per the fcra and if not for them to remove from my file. the deputes were sent certified mail and i have copys of everything.the third depute i sent all three failed to give me any proper documentation with my signature on it and they have now refused to take any more information about my deputes unless it is new information. they are not following the rules per the fcra and i have no more options but to file a complaint and take legal action against all three credit reporting agency s listed above .they are in clear violation of the fcra .they refuse to do a proper investigation and provide that in 30 days. 

XXXX debts account number XXXX unverified account. 
XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 
XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 

thank you XXXX XXXX
On XX/XX/XXXX I received an email about a job I had applied for as a personal assistant to an art seller under the name XXXX XXXX. I was interviewed by phone, and asked to disperse funds upon recieving checks via XXXX delivery. I made deposits of 2 checks, one on XX/XX/XXXX and another on XX/XX/XXXX. The first deposit amount I was told to keep XXXX as my weekly wages, and send the remainder in the form of 2 online transfers using XXXX, one for XXXX, and another for XXXX, totaling XXXX. The amount in its entirety has been recalled from Bank of America by the sender, leaving me to answer for the negative funds. 

Now, the second check, which has already been established by BOA as likely being a scam check, will not be cancelled because its, out of their reach. The bank still has a week before its supposed to clear the check, but refuses to cancel it. Its as if i am staring at an oncoming train from the tracks, and I am not allowed to move. Ive made a huge mistake in accepting this money, and sending it to whomever is recieving it. Now that I realize, and greatly regret, my mistake, BOA will not allow me to miss this impending financial wreck.
This dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status to Transunion, XXXX, and XXXX. After challenging the validity of the account I received feedback from Transunion, XXXX, and XXXX which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I reached out directly to the company that provided me with a letter on XX/XX/2018 stating that the account had in fact been settled. In conversations with XXXX  directly theyd closed down their legal department and somehow was still managing to report this information inaccurately to the bureaus. After receiving the letters I once again mailed this letter of settlement that I received directly from XXXX XXXX XXXX to the bureaus and asked to verify the accuracy of the reporting that had been taking place. XXXX   then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. Both Transunion and XXXX did not update the status at all after receiving these letters. Subsequently even after sending the settlement letter to me directly XXXX XXXX XXXX continued to report my status as negative through XXXX on XXXX as FP and through XXXX on XXXX with a remaining negative status on Transunion. This again impacts my ability to purchase a new home, apply for business credit, etc.
My name is XXXX XXXX. I am trying to get a recorded subordination agreement from the law office Kyle Law Group. This is a judgement lien against my husband, XXXX XXXX, that was filed XXXX/XXXX/XXXX. This was federal student loan judgment. I went through a HAMP re-modification with my mortgage lender XXXX XXXX XXXX XXXX. I successfully completed the terms of the HAMP agreement. I was told by a mortgage representative that in order to receive the final documents, and wipe the slate clean to get back on track with my mortgage I need to take care of the liens and/or judgments that belonged to my husband. I am the only one who is on the original mortgage loan agreement. I receive social security XXXX, my only income. My husband who was working at the time I started the HAMP re-modification process had to have his income included because we needed his income in order to qualify for the HAMP re-modification. We have been paying {$75.00} every month for the last 3 and a half years to the Kyle Law group towards the student loan judgment. This {$75.00} goes toward the interest and not the principal. Even though we are paying as agreed ( the funds are debited from our bank account on the XXXX of every month and we 've never missed a payment ). The law group says that they will not give my mortgage company a recorded subordination agreement. If they do n't do this for me then I will not get approved for permanent modification and could lose our home. This attorney is collecting this debt on behalf of the US Department of education. I wish that my husband 's income did not have to be calculated and therefore, I would not be in this dilemma. I am the original borrower on our mortgage. I do n't fully understand what my right 's are as a borrower. I originally fell behind in my mortgage payments after being diagnosed with XXXX XXXX ( XX/XX/XXXX ) and present. My employer laid me off, so the end result is where I am now. These liens have nothing to do with me. My husband recently submitted a lien complaint to your agency on XXXX XXXX, XXXX. My mortgage company said that this issue must be resolved by XX/XX/XXXX. I would really appreciate any help that you can give.
XXXX XXXX XXXX account number XXXX.This account is listed on my report as last payment made XX/XX/XXXX, that 's incorrect my last payment was XX/XX/XXXX.XXXX fail to validate this account and my name is incorrect.
I called Transunion and XXXX to dispute fraudulent inquiries on my credit file made by a car dealership running my credit multiple times! They told me the company had 30 days to respond and they would be back with me. Its been longer than 30 days and I would like to get to the bottom of this issue.
Bankruptcy DISMSD/CLSD XXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) XXXX a consumer contract with my signature on it XXXX  and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
Earlier this year I complained that Experian is not accurately reflecting my credit history and worthiness. Again this month, my FICO score dropped significantly by 15 points because " 1 ) No recent revolving balances - Your credit report show no recent balances on your revolving accounts. Your FICO Score was hurt because you are not currently demonstrating active revolving credit management. '' This assertion is totally erroneous as a great deal of transactions occur in both AMEX accounts continuously and are paid very promptly so as to remain in excellent status. AMEX has supplied a letter reflecting the exceptional and excellent status of my accounts without exception. Seems I am being penalized for paying promptly and in full maintaining a zero balance. This practice is unfairly and erroneously being reflected in my FICO score. This is the second occurrence this year and the previous complaint yielded no results through this effort. I take my credit scores very serious, thus if my complaining is frivolous, please notify me so that other remedies can be sought.
Regarding PNC Acct. No. XXXX. 

The purpose of this complaint is to compel PNC to delete the XX/XX/XXXX payment information currently reported by XXXX and XXXX regarding the above-mentioned account. 

Based upon data provided by PNC Bank, XXXX and XXXX currently report that the XX/XX/XXXX payment of the account greater than 30 days past due ; however, PNC Bank 's website reported a payment was scheduled to be made within 30 days of the XX/XX/XXXX due date. 

By default, PNC 's website displays a false " Next Scheduled Payment, '' which reports a false payment amount and false payment date, each and every month that a balance is due. 
By way of example, the attached Line of Credit Account Statement states that a payment of {$45.00} is due on XX/XX/XXXX. A screenshot of my account on XX/XX/XXXX states " Next Scheduled Payment : {$90.00} XX/XX/XXXX '' However, no payment was made on XX/XX/XXXX. 
I called PNC Bank 's customer service number on XX/XX/XXXX and spoke with a representative named XXXX, who stated that the XX/XX/XXXX payment being reported on PNC Bank 's website was an error. I also spoke to his XXXX, XXXX, who also confirmed that the payment being reported for XX/XX/XXXX was an error, and confirmed that the website contained an error. 

During the month of XX/XX/XXXX the website reported in the " Next Scheduled Payment '' field, that a payment in the amount of {$230.00} was scheduled to be made on XX/XX/XXXX, when in fact NO such payment was scheduled. 

PNC 's website contains an error, which is fraudulent and misleading. I relied upon the information provided on PNC 's website and did not take additional steps to satisfy the payment due in XX/XX/XXXX. As a result, PNC should delete the XX/XX/XXXX payment information with the XXXX and XXXX.
My loan originated back in XX/XX/XXXX. It is an Adjustable Rate Mortgage ( ARM ). During these 13 years I have never been past due. My loan originated with XXXX XXXX XXXX, and transferred to SETERUS. 
On XX/XX/XXXX I applied for a modification/assistance so that it is not such a struggle. I am XXXX making {$1700.00} per month and my mortgage payment has been {$1000.00}. Since it is an ARM Loan the rate will adjust on XX/XX/XXXX bringing my PAYMENT TO XXXX XXXX monthly and my DTI to 68 %. The other reasons for a modification request is I am underwater -- value of Condominium is {$110000.00} and I owe {$130000.00}. So, there are three very valid points as to the need of a modification, LTV, DTI, and loan an ARM.

I was denied for the modification onXX/XX/XXXX just 7 days after submission and SETERUS stated it was because I am not past due. It is hard to believe I would have to fall behind on my payments and ruin my stellar credit score because of this rule. I AM NOT LATE SO THEY CAN NOT HELP ME. The loan also happens to be a XXXX XXXX loan -- is it really necessary to force be not to make my payment to get the assistance I need? Please HELP.
XXXX  has been non-compliant with removing the unverified account CHASE CARD XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that CHASE CARD was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  MEDICAL DATA SYSTEMS INC for reporting credit information to the credit reporting agencies that was a  result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
PORTFOLIO RECOVERY IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!
I had several accounts with XXXX XXXX  and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account. 

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With comenity doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX they reduced it to a XXXX as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly. 

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem. 

I need a resolution asap. I pay every bill on-time every month ....
I have my mortgage with Wells Fargo Bank. I believe that they are shifting me on my interest paid and principal applied towards my loan. According to the amortization table that they gave me for XX/XX/XXXX interest paid should be {$710.00} and principal should be {$360.00} but the bank charged me  interest of {$820.00} principal applied of {$250.00}. This has been going on for a while.