WillisBack/dataset-financial-user-claim huggingface dataset:
I opened an account with XXXX XXXX XXXX back in 2014 with zero interest for 5 years and set payments of $ XXXX monthly. I recently came into a hardship and missed a payment in XXXX and my balance was down to {$1000.00} If was away and my ex wife decided to call Wells Fargo and the person she spoke to said she can settle at 60 % of the balance owed ( {$680.00} ) to satisfy this account as payed however the person never mentioned to her that the loan would be considered charged off and take a hit on my credit report. I had no knowledge of any of this until I decided to call Wells Fargo because I noticed that my Wells Fargo platinum credit card was closed. When I called Wells Fargo I was told that since the XXXX XXXX account was settled it caused my Wells Fargo visa platinum card to close as well because Wells Fargo funds the XXXX XXXX account. Ive opened an investigation to try to reverse all of this so I can finish pay off XXXX XXXX in full and reopen my Wells Fargo visa platinum card but I was told they can not do that meanwhile the payment that was made to XXXX XXXX was made by my ex wifes bank account which when I called Wells Fargo they said that payment wouldnt have gone through unless it was my account being debited they even went as far as providing me the account number of my ex wifes bank account and saying it was my account which it was clearly not. So now My credit took a big hit my accounts ar closed and theyre saying they can not do anything. Please help
I set up a bill payment on XXXX XXXX that my bank did n't send out and I caught the error on XXXX XXXX, then promptly called to make the payment and waive the late fee because of a bank error, before any late fees had been assessed. I made a payment XXXX XXXX of my normal monthly amount of {$25.00}. I got XXXX calls, XXXX at XXXX, XXXX at XXXX and again at XXXX from them on XXXX XXXX. They had apparently applied the late fee to refund to the account balance rather than to the amount due, and they told me I now owed them {$65.00} by XXXX XXXX. They ( now speaking with a manager ) said that they wo n't refund the XXXX late fee until that amount is paid in full, and that they will apply it to the account balance. They said that I was n't being punished for the bank error on the phone, but this is just the way they operate. She also insinuated that I was in the wrong in asking her to fix my monthly amount due rather than applying it to the account balance.
I had a credit card with XXXX card in the amount of {$1300.00} that went to collections. I paid well over half of the amount with a debt collector, XXXX XXXX XXXX. It has changed hands to Forster Garbus and Garbus. Forster Garbus and Garbus is threatening me telling me that I owe them the original {$1300.00} when in fact I know that I made many payments to the previous debt collector- XXXX XXXX XXXX XXXX I have made many attempts at contacting Forster Garbus and Garbus after speaking with them originally in the first week of XX/XX/XXXX. The gentleman told me he would run the record from XXXX XXXX  XXXX to see that I paid half of this debt off and would contact me, however never contacted me again. They have threatened me that if I do not contact them and start paying by XX/XX/XXXX, I would owe the entire amount. Again, I can not get into contact with anyone. They have reported this as delinquent, which is not true. This is unjust and unfair-I would like this removed. 
Thank you for any assistance.
I paid off my loans with XXXX XXXX nka Navient in XX/XX/XXXX, after requesting and being provided a full payoff amount. I 've come to understand that Navient added a balance to my loans AFTER they were paid to XXXX. I was even sent a satisfaction letter confirming my loans were paid in full. They claimed a payment was misapplied to my account in XX/XX/XXXX, but they did n't catch it until after my loans were paid off. Not only that, after sending me a satisfaction letter, they NEVER sent me any correspondence indicating they added a balance back to my account. This egregious error was by their own hands. At a minimum, I should 've been officially notified of their error, especially since I have a letter from them stating my loans are paid in full. I called to Navient to address this towards then XX/XX/XXXX as this debt appeared on a credit report that was run on me as my wife and I are buying a house Someone at Navient told me, and this is a recorded convo, after I told my story, that Navient was in the wrong, and my account was going to be cleared of any liability, and to expect paperwork in the mail to that effect. 
This recording would be available in a subpoena situation. Apparently, I was lied to directly. I followed back up after a month of not having heard anything or getting anything in the mail, and was told " the person that told me that was wrong. '' I ca n't begin to describe my anger. I went through mindless appeals processes. The appeal is as follows : An agent of Navient, someone within the " Office of the Customer Advocate '' blindly makes my case to the FSA, on my behalf. Yes, that 's correct. Navient wronged me twice, blatantly mismanaged my account and misled me in the process, and the way I dispute this is put my faith in a Navient employee to appeal to the FSA in my favor. XXXX! And I 'm not even allowed to review the case she 's going to present on my behalf before its made. 
This whole experience has been like a bad dream. After their review, it was determined they 'd be willing to waive the " interest '' accrued to date. 
To me, while its something, its not good enough. The fact they 're willing to waive the interest means they 're admitting that they were in the wrong. 
And considering how it was handled on their part, and the fact I was lied to when told Navient would clear me of any liability, suggests to me they should take full responsibility for the remaining debt. We 're talking about {$530.00} here. Navient should do the right thing.
docx / indecomm global services fraud mortgage assignment robo signer around the county filing of shady assignments. 
. Representation was made of a material fact. 
2. Representation was untrue. 
3. Party making the representation knew it was untrue. 
4. Representation was made with the intent to deceive and for the purpose of inducing the recipient to act upon it.5. Recipient justifiably relied on the representation. 
6. By relying on the untrue statement, the recipient suffered damages.XXXX 1. A false representation was made, usually one of fact. 
2. Party making the representation had knowledge or belief that the representation was false, or made the representation with the requisite indifference to the truth. 
3. Representation was made with the intent to induce the recipient to act, or refrain from acting. 
4. Recipient acted or did not act in justifiable reliance on the representation.5. Recipient suffered damages XXXXas a result. 


XXXX Misconduct in Other States XXXX. XXXX and XXXX While XXXX and XXXX provided much of the news for reports on attorney misconduct, other states ' attorneys managed to earn negative attention as well.Foreclosure law firms in XXXX and XXXX admitted to committing serious misconduct. Attorneys at XXXX, XXXX, XXXX XXXX XXXX XXXX and at XXXX, XXXX, XXXX XXXX XXXX admitted that other attorneys had signed their signatures in documents submitted to court.XXXX Several notaries had their licenses revoked and the XXXX Court of Appeals adopted a rule allowing courts to appoint independent attorneys to review foreclosure documents for irregularities.XXXX Meanwhile, at the XXXX firm XXXX XXXX & XXXX , attorneys admitted to the same practices, supposedly to avoid the " sloppy '' practice of crossing out another attorney 's name below a signature line.XXXX Show cause hearings were held in several XXXX counties regarding the issue.
Between XXXX XXXX and the XXXX I have had several conversations with JP Morgan Chase employees via their XXXX client line and online secured messages regarding my Over Draft protection for my checking account. On the XXXX and XXXX, my overdraft coverage which is connected to a chase credit card did not work. Apparently an internal payment of {$8000.00} was not applied in a timely manner to the credit card and when checks came in they charged me {$68.00}. I called the customer service line and the young lady that assisted me could not understand why the overdraft coverage did not work. She acknowledged it should have. In an attempt to correct it she de-linked the credit card from my checking and relinked it back. This caused another XXXX charge. Then, without my authority, the bank decided to link it to my savings account. It has been a comedy of errors that has cost me {$100.00}. In addition, the generic messages that I receive from Chase make no sense and are full of false and incorrect statements. I do n't think its necessarily deliberate so as not to refund these ridiculous fees, but I am starting to doubt their integrity.
I received an auto loan from Santander Consumer. Two years after receiving the loan for a vehicle the car was totaled out due to flood in XX/XX/XXXX. I was informed that XXXX and XXXX both would cover the remaining balance of my loan and that I would not be responsible for paying anything out of pocket. About a month ago ( XX/XX/XXXX ) I went to buy a new car and I was told that my credit score had a charge off on it posted by Santander Consumer. I received no correspondence from Santander. No email, no letter, no phone call, nor voicemail. Needless to say I was blindsided by a charge off on my credit report that I had no idea of prior to going to purchase a new vehicle. I believe it was a very unfair practice for Santander Consumer to charge off a balance as they did without speaking to the loan holder about possible payoff on the account.
We have repeatedly told XXXX at the telegraph canyon location, XXXX, AND the XXXX XXXX, to not send anything to a particular address. We have provided the correct address many times and they keep sending correspondence and specifically collections letters to an address that is incorrect! 

Also, I had a promise to pay arrangement with XXXX the XXXX, for the beginning of XXXX and despite this, they went ahead and called a phone number I specifically told them they should never ever call. They spoke to an unauthorized third party and provided details of the loan and the nature of the call etc. 

I work in consumer lending so I am familiar with what is correct and what is not, and this is not only unethical, it is against the law. I am very upset about this and am seeking some help in getting them to stop these practices. I have warned them several times not to do this or theyd leave me no choice, and they refuse to list the proper address, they refuse to stop calling phone numbers I specifically asked them not to call, and they are causing havoc on my life.
Made several calls to XXXX customer service about not being able to return equipment. Equipment was returned and Collections Dept. said it would be removed. Debt had been removed from credit and collection agency and now has been re-reported in XXXX through Diversified Consultants INC even though XXXX removed it a second time. Spoke with billing again and agent XXXX said equipment was received and would escalate. This is the third time this statement is made. They have received the equipment and refuse to remove this. Agent provided Serial Number to verify equipment was received. # XXXX.
The colossal stupidity and incompetence at the XXXX XXXX XXXX branch of TD Bank is unparalleled and has reach dizzying heights of monumental XXXX. They once again failed to wire transfer {$4600.00} to the correct party yesterday and on top of that, no one called to let me know even though they have my cellphone number on the account. In other words they let a whole day go today and when I could have fixed it they failed/refused to even let me know about it. This is the third time they have done this in 6 months, amongst other major training problems with their XXXX staff. In the past they have arbitrarily blocked my ATM card from making routine mundane charges for " fraud protection, '' refused to credit me when I purchased electronic goods that did not work and were defective, and opened up a Lawyer Escrow account as a regular checking account. The manager at this branch needs to be re-trained if not fired for incredibly stupidity and XXXX training of her staff, which appears to have a turnover rate of new employees every few weeks. Not only that but they allow accounts to go negative and bounce checks without notifying you so that they can clandestinely collect a fortune in fees. Please urgently assist.
Hello, The company that is servicing my daughter 's student loans is Pennsylvania Higher Education Assistance Agency. My daughter has written to them multiple times to request the extra money that she is paying every month ( {$50.00} ) be applied to the loan with the highest interest rate. Month after month the company has some story about why it can not happen. The extra payment is being spread over all XXXX loans, and the lowest amount of the repayment is being applied to the loan with the highest interest rate. 
Is there anything that can be done about this issue? 
Thank you. 
XXXX XXXX
I want to apply a XXXX Freeze to my Trans Union Credit report. I have been trying for two days to call several numbers to reach the company, spending several minutes to navigate their menu systems, reaching the correct queue, only to be hung up on by the automated system and receiving a fast-busy tone. Calling their support does the same. The system status message says everything is working, and there is no indication of issues on their website. I have no options to contact the company to apply a freeze. With the current risk from the XXXX data theft, this is completely unacceptable.
This fraudulent account was at one time disputed and removed/deleted from my credit file Now it is listed again on my credit file under a different creditor/ account number, Same company XXXX. Initially it was opened under a XXXX XXXX for his credit under my name Fraudulently. Here is proof below : XXXX  Prepared for XXXX XXXX XXXX Personal & Confidential Date  Generated XX/XX/XXXX Report Number XXXX divider About Dispute Results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 


If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. 
Here are your results SOURCE RECEIVABLES MNG Account XXXX This item was removed from your credit report. Please review your report for the details. 

XXXX icon Deleted You can contact SOURCE RECEIVABLES MNG at XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXX or ( XXXX ) XXXX After your dispute : This item was removed from your Credit Report. 
Before your dispute : Account Name SOURCE RECEIVABLES MNGMN Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1100.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History
I signed up for the XXXX XXXX Platinum Card with a signup bonus of XXXX Membership Reward points after spending {$3000.00} before the first three months of card membership. I met the minimum spend and I was rewarded the XXXX points to my account. I wanted to use the points for an upcoming flight so I tried to transfer the points to an airline. I received this message while trying to transfer the points : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I thought to myself - okay, that is understandable, it should n't take more than a couple weeks to do the review and release my points. Well, it has been over 5 weeks and I still can not make a transfer or use any of the points. Meanwhile, I had to pay out of pocket for an upcoming flight that I was planning on using the points for. I have complied with all of their terms and conditions. I paid off the {$450.00} annual fee. I have spent much more than the minimum {$3000.00}. I have had a long history with XXXX XXXX and have never done anything to hurt it. I am perfectly okay with XXXX XXXX doing a review on my spending, however, they have given me absolutely no communication, either by phone or email, about this so called review. They will not give me any specific timeline as to when they will finish the review and release my points. That is not only bad business, but unethical and dishonest.
In XX/XX/XXXX I hit a financial hardship, I, applied for what I thought was a small business loan..the agents name XXXX XXXX ... told to log into online banking..they would take it from there..2checks were counterfeit ... risk management without warning invaded my privacy and closed all XXXXaccounts XXXX we 're not affected by the ID Theft but have done nothing to apprehend XXXX XXXX.they threw me under the bus .now they refuse to remove me from early warning when no fraud as been committed ...
On XX/XX/XXXX I sent several letters to the 3 major credit reporting agencies ( XXXX, XXXX, and Equifax ) disputing incorrect information on my credit reports. I have attached all of the paperwork that I sent for your review. I need this information fixed because it causing me financial difficulties.
I do not remember the exact date. I know it was the XXXX or XXXX week in XXXX. A representative by the name of XXXX XXXX called and left me a message to call Capital Recovery Systems. I returned the call & XXXX XXXX got on the phone to say '' I am calling about the debt you owe for the amount of {$230.00} with XXXX XXXX XXXX, Periodontics. I said " Sir right now I do not have a job '' XXXX XXXX said this debt has been owed for a few years. I said " no one has contacted me about this debt '' XXXX XXXX said 'Yes, just like you lied about having a bank account '' I said " what are you talking about? '' I never spoke to ever before. '' XXXX XXXX was very rude and hung up on me. Even if I wanted to fix this debt I am afraid to call this collection agency. I felt violated. I have rights, which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from me.
My report is showing XXXX names and addresses that are not me..I have never lived in those addresses
This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from XX/XX/XXXX, XX/XX/XXXX and Experian. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s )  would be removed but, XXXX, XXXX and Experian has failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries removed.
Equifax is reporting XXXX unauthorized inquiries on my report.I 've disputed the inquries with Equifax several times, and I called them several times to tell them that letters were mailed to them companies requesting they show me proof that I authorize those inquiries, and it 's been over 45 days and I 've heard nothing from them. Equifax told me I should call the company and have them remove the inquiry. None of them have number listed only addresses. Equifax did not investigate the inquires when I disputed them prior.
I am filing this complaint because Trans Union has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank you
In XX/XX/2012 my auto payment ( {$400.00} ) was returned because my account information changed after my card was stolen. I paid the amount and the next payment due as soon as I knew about it but they still reported it as late. I never had any other late payments with them and even paid early sometimes. It was just a fluke that that particular payment was returned and I would like it removed from my credit report. I called Chase to see if they would forgive the late charge but the rep said they could not.
Our loan has been paid off to Specialized Loan Servicing, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CO-XXXX Tel : XXXX and my loan account number : XXXX. The principal was paid of on XX/XX/2018 and escrow amount as per statement is {$1800.00} and but they mailed the check of {$1100.00} thereby shorting to the amount of {$730.00}
On XXXX XXXX, 2015 I set up an on-line wire transfer payment to a Jewelry business in XXXX through my Chase.com on-line banking account. After I set up the payment, my on-line account access was blocked and I was told to call a Chase customer number. I called them thinking I had to " approve '' of the high value of the wire transfer ( {$11000.00} ). But the person on the phone said I had to go into a branch and talk to someone. 

I went into the branch and explained that I wanted to make a wire transfer and that my initial attempt had been cancelled. They never asked me why or they never called into the customer wire service center. It was approved by the manager at Chase and the wire went through. 

On XXXX XXXX, 2015 I had to go back to Chase because I still did not have access to my on-line banking account. Again, I called in and they said I had to go to the branch in person. I was helped by the manager and he called in to verify my account. The customer service person was asking him a variety of questions about the wire transfer and that they had picked up red flags and possible fraudulent activity. However, the wire transfer had already taken place 2 business days ago! So even if I said I wanted the wire transfer to be stopped, it would n't have been possible. The manager asked me if anyone who was helping me on XXXX XXXX, 2015 had called in like he did, I said no. 

Had I known this fraud warning, I would have NOT done the wire transfer. Period. Had a Chase representative call in to find out why the first wire transfer did not go through the issue would have been resolved. But for some reason, the employee 's at Chase did not look further into this matter. 

It turns out that the wire transfer to this business was fraud. And I have not received my product in return for my payment.
This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving it through Transunion credit bureau on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Directly with the company on XX/XX/XXXX, and on XX/XX/XXXX, along with an affidavit, but I still have yet to get a response of a deletion from the credit reporting agencies.