WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo is the original mortgage provider for the property, purchased in XX/XX/XXXX. We refinanced with Wells Fargo in XX/XX/XXXX. In XX/XX/XXXX, we contacted Wells Fargo to refinance again, to use the accumulated equity as well as make changes to the title. We were provided erroneous information by Wells Fargo lending officer in XXXX XXXX, FL area ; per this person, quit claim deed was required prior to submitting mortgage refinance application. I contacted Wells Fargo national office, was told that previous information was wrong, and began the application process. 

I submitted all requested documents very quickly and there were no delays until the appraisal was ordered. It has taken several weeks for Wells Fargo to even schedule an appraisal. Then they sent an appraiser who was completely incompetent and so appraisal could not be used. Wells Fargo scheduled another appraisal, which again took weeks to be scheduled. Two delays, both caused by Wells Fargo, caused me to miss the deadline for submitting final documents required for closing. I was told that the deadline was on Monday, XX/XX/XXXX, but XXXX XXXX, FL area was affected by Hurricane XXXX and declared federal disaster area a few days prior to the deadline. There was widespread damage and no power at the house. I had to charge the phone in my car to even make a phone call to Wells Fargo, asking for an extension. They refused to grant an extension. 

In addition to misinformation, appraisal process delay, and failure to grant an extension due to the area being declared federal emergency zone, Wells Fargo also increased the interest rate, which was locked and guaranteed. Wells Fargo decided to classify the property as investment and raise the interest rate, even though the property is owner-occupied and, therefore, classified as second-home property. 

Even after the appraisal was completed, Wells Fargo failed to comply with federal requirement that appraisal report is released to the applicant within three days. It has taken almost two months and numerous requests to finally obtain an original copy of appraisal. 

Given the violations described above, the owner decided to apply for mortgage refinance with another lender. Wells Fargo is retaliating by refusing to completely release the appraisal. After numerous phone calls and email requests, Wells Fargo finally provided a letter stating that the other lender can use the appraisal. However, Wells Fargo is refusing to provide a statement that appraisal process was in compliance with AIR standards or send the appraisal report in XML format.
On XXXX/XXXX/2012, I completed a deed-in-lieu of foreclosure and was discharged of the mortgage debt of the property located at XXXX, IL. I am now being contacted by the company Seterus , Inc, a debt collection agency. Seterus claims that I am in default on my loan for this property and that I owe them money. I have sent them the warranty deed in lieu of foreclosure several times to prove that I do not own this property and that the debt was discharged, but they continue to send collection notices.
Deposits were made to my checking account that did not have money to back the deposits up. I was not aware of this I withdrew the money. Now TD Bank is holding me to repay them back. XX/XX/XXXX the my Social Security check was deposited to the checking account the next day the bank had taken the money .I would like this money back can I get it back?
I was informed of a pending garnishment, prior to that i was contact by a scam artist that told me about the debt. I have contacted both parties to gather more information. They say that i have been sent everything they have. I asked for the fees in writing and i was told that is not a option. According to Olson Shaner I will be garnished for this amount that i am disputing. This debit is form 2008, it has taken them almost 9 years to collect. I have tried and tried to gather as much information i can about this debit and yet all i have is a dental ledger and some notes. Company is not willing to assist me with any other data. This is not listed at all on my credit report anywhere. I have attached the document in which they say i owe.
We purchased a vehicle from XXXX XXXX ( YKS Acceptance Inc ) in XX/XX/2014 only to have it written as a lease rather than finance. We are very near the end of payments and can not get a straight answer on payoff amount. They have been in trouble for failing to disclose and fraudulent practices in the same time frame as our purchase. I asked for a complete statement of our account with all payments, fees, interest so I can see what exactly we were charged ( 60 % over the sale price ) for. They sent me a payment record showing dates of payments but with no other information. I emailed them asking for a detailed record of our account and they have gone completely silent. This all started because I went to make an online payment in XXXX only to find their website gone and that the company doesn't exist. They were bought out by another dealer but have largely the same staff there. We were not informed about any change and when we looked to find what was going on found how much trouble they had gotten in. When asked about it they blew it off as a " misinterpretation '' of the laws. But now they are refusing to send me information to verify that my account has been handled according to the law.
On XX/XX/2018 I submitted a dispute to Equifax informing them via written letter, that they were reporting me as an authorized user, a charge off account from XXXX XXXX XXXX XXXX in the amount of {$8400.00}. I informed them that I am not responsible for this debt and to delete this account from my credit report, but they have failed to adhere to the FCRA guidelines. This debt does not belong to me and they also failed to validate that it does.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
The collector sent a demand letter on XXXX XXXX, XXXX requesting payment for a utility bill. A response was sent on XXXX XXXX, XXXX requesting more information regarding the debt ( such as verification ), and there has been no response. Failure to respond with reasonable documentation is an abusive and unfair practice barred by 15 USC 1692. 
Failing to respond to a good faith attempt by a debtor to confirm the validity of a debt leaves a debtor in an confusing state of limbo where he is uncertain of what further actions to take. He is unable to determine if he should continue to attempt to resolve the alleged debt or assume it is invalid.
Discover bank has consistently and fecklessly engaged in practices designed to deceive and defraud. They include the following. 

1. Unrequested credit line increases! I have never once asked for a credit line increase yet I have received at least 5 from Discover over the years. I have received only 2 other in my lifetime and they were both from a credit card I have held since I was XXXX. 

2. Unrequested credit rate decreases - although this appears altruistic on the behalf of Discover it is yet another cleverly designed way for Discover to defraud and deceive. 
These decreases are generally a fraction of a percent, yet they lock the balance in at that rate for life and future payments and applied disproportionately to new balances and your lower rate. The higher rate from your previous balance almost never goes down and stays at the higher rate. The only way to escape this NIGHTMARE is to pay off the entire balance which most people can not. 

3. On Discover Personal Loans - their payment options are clearly designed to delay payments, confuse the customer obfuscate the true payment date. 
When you make a payment almost every other company in the world schedules the payment for that day, not Discover - they automatically schedule the payment for your due date, you have to manually enter a calendar and select a different due date. This causes payments to be delayed and Discover is able to collect more interest. Also they have a very very unique feature if you make an overpayment. You have to choose whether you want your overpayment to be applied to principal ( which does not lower your next payment ) or your can select to pay more on your next months total due. So, in this scenario you can either pay over and not reduce your next months bill, or you can make an overpayment and Discover will " Hold '' onto this until the next month, nevermind that you are still being charged interest. 

I have an impeccable credit score and have not a late payment in over 20 years until Discover Personal Loans came along and their system was able to confuse me long enough to make my first late payment in over 2 decades.

Discover is perpetuating a fraud against the American public plain and simple.
I have been experiencing ongoing challenges while trying to honor my agreements with my lender, i.e., discrepancies in the amount indicated on the company 's website vs. what is actually owed, the ongoing receipt of Past Due Notices in spite of making all of my agreed upon payments on time, the mistaken report to the credit bureaus regarding my payments and finally, hours and hours spent on the phone with the company 's representatives without resolution.
XXXX., Monday, XX/XX/XXXX15I was just at my desk and received a telephone call from a medical collection agency XXXX regarding an account I have had with them since XX/XX/XXXX this year. I was asked initially to verify my date of birth, which I did not do immediately. When I asked for the identity of the person calling me, the lady on the telephone responded with asking me the same question about my date of birth. I refused again, stating that I was not trying to be rude but did not feel this type of call to me at my place of employment was appropriate for them to contact me. The lady then asked to be transferred to the XXXX XXXX department of my employer. I did give her the general telephone number to call but did not transfer her. I also did verify my date of birth to her, although I am sure she had that information on her computer screen in front of her. The telephone number that showed up on my caller ID is ( XXXX XXXX.
I was contacted by Van Ru Credit Corporation by phone ( XXXX ), regarding collections for an outstanding claim which they would not identify. I called them back to request a validation notice, as well as any information on the claim, and they refused to provide it for me without my social security number. I hung up. I have not received a validation notice, nor any written communication from this entity ; therefore I can only assume fraud.
Cashcentral is trying to collect for a payday loan ( s ) from XX/XX/XXXX acct numbers XXXX  and XXXX. I have had the same phone number since XX/XX/XXXX. Instead of calling me they had another company call my brother in NY, 2500 miles away. My brother is almost XXXX years old and lives with my XXXX  year old mother. The only reason to call my family and not me is to harass them to intimidate me. When I call the bill collecter at XXXX the collector refuses to give me the name of the company, the address or a real phone number. They gave me an address as a XXXX XXXX in XXXX  CA. The address is a sham. I dont know the name of this company to even file a complaint. On my last call to them I spoke to the manager XXXX who said that based on the nature of there business they can not give me there address.
So I was called by XXXX XXXX XXXX XXXX XXXX while I was at work and they would n't let me get off the phone I was told if I did n't talk to them then I would have to pay the full amount no settlement and it would n't be in good standings anymore. They offered me a settlement and said they needed a payment by the end of the month which was about 3 days away on Saturday. We negotiated a first payment and I asked if I could do {$50.00} I was told the minimum amount would have to be {$100.00} so I agreed reluctantly. I was told if I could n't pay it call a day ahead and cancel. I learned that I had to cancel so I called back a day before. This time I talked to someone new. This time I was told since I could n't do {$100.00} could I do {$50.00}? I was a little aggravated because I felt lied to but I let it go and agreed to be charged for {$50.00} to keep the settlement. The next day I was charged for {$100.00} anyway. I called and was very angry and I was told it must have been a glitch and they would put in a refund request that would take 3-4 business days but this is a big inconvenience because now I ca n't pay my car note on time. Later that same day they called me and said good news that the refund request went through they would cancel the {$100.00} and only charge me {$50.00} I said thank you and later on that night checked my account and I received no money back but was charged another {$50.00}. This is {$150.00} XXXX times the amount I told them to take.
I have XXXX credit cars with XXXX, XXXX is a XXXX, the other a XXXX. Both are current. Equifax is now showing that I have a card with XXXX numbered XXXX ( it does not list the last XXXX digits ) with a balance of {$720.00} that is over 120 days past due. This is not my card. I have notified Equifax. I called XXXX XXXX to notify them, as well. XXXX XXXX says they will need 90 days to investigate, and that I need to deal with it through Equifax , as it is their error, not XXXX. The XXXX employees speak XXXX very poorly, and communicating verbally with them is difficult. They provide no email address to which one may send electronic correspondence. The entire thing reeks of a scam. I had this same problem with XXXX and this same card. These people are ruining my credit in an attempt to extort payment from me for a debt which is not mine. They actually suggested that I just pay it, even though it is n't my debt, in order to have it removed quickly.
Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates : XX/XX/XXXX XX/XX/XXXX I do not recognize this company and have no knowledge of giving permission to pull my credit.
I have tried to get XXXX  card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX to remove this account that does not belong to me.
I have filed disputes with XXXX and XXXX. I received my free credit report online for Equifax and got kicked out. I have yet to be able to get back in to file the disputes. They keep saying they ca n't find my file. I printed the transaction page with my code on it which is more than the XXXX digits they keep asking for. I did n't know about the issue and once I found out only because I was checking my own credit via XXXX XXXX, I figured out what was going on. I paid all items on XXXX/XXXX/2015 and the case was dismissed. I ca n't even get into Equifax to dispute it now.
American Express Serve Card An ATM transaction occurred on XX/XX/XXXX around XXXX The location was money pass ATM in which American Express Serve , which has no ATM fees using this location at XXXX Still. XXXX XXXX XXXX, LA. I promptly contacted the company when the ATM did n't dispurse the cash as I requested, it cancelled the transaction, but yet my account reflected XXXX withdrawal, I had to wait days later to receive the dispute forms, I started faxing on the XXXX of XXXX, each time I contacted customer service, they said the account was noted that I was sending the fax, yet on XXXX of XXXX I learned it was all lies, the customer service rep I spoke to on today stated clearly each notation stated I just wanted to know of updates, now I received an email stating I did n't send what they requested and I 'm not eligible for the credit, now take in mind the email was send at XXXX, so now I have to wait and additional 30 to45 days, because they employ individuals whom feel you call or ask for a supervisor to much they 're annoyed at you about you 're hard earned money you worked for, now this company is rated by high standards, yet the way they treat you is very low, if you call the main company, they will tell you it 's not the same affiliate, yet go to the American Express website and read, it 's part of them but separate divison, some one in executive office should be made aware and accountable for how its brand is being represented by it 's employees also better contact options for the consumer
XX/XX/XXXX, I had filled a dispute with capital one for {$60.00} I received a letter stating that I had won my dispute ; and that I would be a credit which I did. However I also had fraud on my account and for some reason the fraud customer service rep included that transaction in the fraud case and another credit was issued and had to be reversed ; I then spoke with an XXXX and explained that this issue had been going on for nearly XXXX months, and XXXX in executive resolution agreed and issued a credit to my account a good will credit ; however I then got a call from another agent who said she was reversing the credit, I objected and asked for her supervisor which did not resolve the issue, I then also called the executive office again on XXXX/XXXX/15 at XXXX XXXX mst and spoke with XXXX ; who assured me the issue would be resolved however no one she spoke to was able to report the credit. they al state it was part of my dispute ; i continued to report that it was not part of the dispute it was issued as a good will adjustment for all the time I had spent trying to resolve the issue. I also received a letter from capital one stating they would increwase my reward by {$40.00} for the hassle I have called several times and the rewards have not shown up. Finally XX/XX/XXXX I had XXXX more transactions post to my account that were not mine ; I called and reported the fraud and was told that credit would immediatly be issued against the charge which it was however then a fraud hold was placed on my account not allowing me to use the funds as I was promised.
I contacted this company informing them that this debt is a result of identity theft and they need to investigate since I know I have never been to this medical facility but ignored my requests or remove this item from my credit report. This collection company needs to do a little better to respond and help consumers fight these fraudulent accounts
This is the same case as prior, # XXXX. My name is XXXX XXXX. You sent me a link stating the bank had responded and that a letter was attached. You already closed the case. 
The attachment under this account WAS ADDRESSED TO SOMEONE ELSE!! A male with XXXX name. Isn't that a privacy violation? 
Where is the letter from Syncrony bank that was meant to come to me?
On XX/XX/2018 I received an e-mail from XXXX including a tracking number and shipping details for a payment of {$500.00} that I did not make. The e-mail appeared to be from XXXX and the seller was listed as : XXXX XXXX and the e-mail was : XXXX. The e-mail included my current address and was sent to my current e-mail address. I did not purchase anything through XXXX and did not authorize any payment of {$500.00}. My credit card was charged the {$500.00} on XX/XX/2018. 

Within 24 hours of receiving this e-mail and the unauthorized charge, I immediately contacted Bank of America to report the suspicious activity and the unauthorized purchase. The money was credited back to my account on XX/XX/2018. 

A few days later, a manila envelope was in my mailbox, with no return address. I opened the envelope and inside there was a crumpled and ripped up magazine. There was nothing else in the envelope. I could not return the contents as there was no return address. The tracking number also was updated to say my " package '' from the unauthorized vendor had been delivered, further confirming that the envelope with a crumpled magazine was part of this {$500.00} scam. I did not authorize any purchases, nor did I purchase a crumpled and ripped magazine for {$500.00}. 

On XX/XX/2018 I received a one page letter from Bank of America saying the following : After a review of details you provided, we've determined that no fraud has occurred. As a result, you'll be responsible for the balance on the account in accordance with your Account Agreement. The adjustment ( s ) will appear on your monthly billing statement. 

Again, I immediately contacted Bank of America. They informed me that through the investigation they contacted the merchant and he said that I received the package. Therefore, according to Bank of America, because I received the package and did not return it ( despite not ordering this package and having no way to return it with no return address ) that I was being held liable for the {$500.00}. They informed me that they would re investigate the claim. I reiterated multiple times to Bank of America that I do not use XXXX and I have documents that show an outdated XXXX account ( which includes an expired e-mail address, an address where I have not resided in over three years, and an outdated debit card ). Furthermore, when I was able to access this old XXXX account, there is no record of any purchase being authorized, no record of XXXX, and no history of any payments.
Reference compliant filled and resolved to Bank 's satisfaction. I am still saddled with the product that was fraudulently sold to me. I am still making payments and the Bank is still doing business as usual. 

Respectfully, XXXX XXXX XXXX
I HAVE A HOME EQUITY LOAN WITH CHASE BANK THAT WAS FROZEN WHEN THE REAL ESTATE MARKET CRASHED. SINCE THAT TIME I HAVE MADE ON TIME MINIMAL PAYMENTS MONTHLY. LAST YEAR I APPLIED FOR A MODIFICATION TO THAT LOAN BECAUSE THE BALLOON PAYMENT WAS COMING DUE WITH CHASE BANK. I FELT I NEEDED THE ASSISTANCE BECAUSE MY WIFE IS A XXXX AND THE DOCTOR AND HOSPITAL BILL HAVE BECOME A REAL PROBLEM. I WAS TURNED DOWN BECAUSE CHASE BANK STATED I HAVE BEEN MAKING THE MINIMAL PAYMENTS ON TIME AND SHOULD WAIT FOR THE BALLOON PAYMENTS TO KICK IN. I CONTESTED THAT DECISION AND RE APPLIED. AGAIN I WAS TURNED DOWN FOR THE SAME REASONS. THE BALLOON PAYMENT HAS COME AND I 'M PAYING IT IN DISTRESS, SO I RE APPLIED AGAIN AND WAS TURNED DOWN AGAIN AND THE ONLY OPTIONS GIVEN TO ME WERE SHORT SALE OR DEED-IN-LIEU OF FORECLOSURE. I HAVE BEEN IN MY CONDO FOR OVER TWENTY YEARS, I 'M A RETIRED XXXX XXXX WITH A SICK WIFE, WHO IS TRING TO TAKE CARE OF MY RESPONSIBILITIES AND NEED A MODIFICATION TO CONTINUE SAME.
XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX I talked to all of the above representative and explained my situation as far as someone stealing my identity and obtained goods or services. They were not helpful at all. They didnt offer any resolution and they were very rude when i did have questions.
I have recently relocated to Mississippi a couple months ago for a job and applied to get a home loan for my boys and I to buy a house. I was told that I had a negative mark on there from National Credit Systems for over {$7000.00}. I have never had a negative mark on my credit for anything. I am a single mom and have always protected my credit and finances. I talked to my attorney and he informed me that it is illegal to collect on a debt past the 3 year SOL in Mississippi. I tried disputing this account several times in the couple of months and have gotten nothing back from these people. I want this fraud charge off.