WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Portfolio Recovery Associates, LLC several times starting 2 weeks ago requesting a letter for proof that I paid my debt off in full, I have a XXXX balance, and the date it was paid off. When I paid it they told me they would mail a letter with all of the infor.ation on it and I have never received mail from them other than when they wanted my money. At first I was told they can not email it. I then asked to speak with someone different and they said within 24 hours ill habe a consent email and after I " sign '' that consent they will email me what I need. 2 days later I called back because I have not received a consent email. They had n't even sent it, I then asked for a manager who sent me the consent and then i once again had to call back and get angry to receive the email i need however all that letter said is amount settled. I have called everyday this week XX/XX/XXXX to XX/XX/XXXX and still have not received what I need. Gone through 3 different managers and every time it is some kind of excuse as to why and none of them are the same. I need a letter stating i have laid my debt in full, I have a XXXX balance, and the date I paid it on.
My complaint is against Wells Fargo ... Tonight I learned an {$800.00} teller check was cashed on my account without my knowledge or consent. My sister is on my account and one month ago her purse was stolen out of her car. Today between XXXX-and close of business a check was cashed using her identity. When her purse was stolen she reported it to Wells Frago where we Bank. They closed her account and set fraud alerts. Not only did someone cash a check on my account for {$800.00} but they cashed a check for {$600.00} on hers. No check image is available. They cant even tell us what Branch this happened at. After being on the phone with them for 2 1/2 hours they are saying an investigation has to be done and we will not have our money back until it is complete. HOWWW are they allowed to do this when it was reported to them that her identity was stolen and they did not take the proper measures to protect our account! This has to be an inside job!!! How is this even allowed!
Collection agency sent a payment offer. Debt was two times paid via restrictively endorsed letter. Collection company has many other companies and re-lists debt via a subsidiary company. 
I have tirelessly requested validation of debt with collection agency and disputed this item XXXX to no avail.
I am rewriting my complaint as the system threw me out and when I signed back in, there was nothing saved here as there is no draft system. Kindly create a draft system here so I wont have to waste another hour. 

I will have to keep it much shorter than before this time. Capital One did not look into a fraudulent card activity I have been asking them for the past 6 months. When provided with all the evidence initially, they stated only recently that they did not receive all of my XXXX documents 6 months ago and neither is there a way for a customer to verify how many documents were successfully sent since they have to be sent on their software upload system and not by email directly. 

Just recently XXXX 12 days ago ) they informed me that they did not receive all documents 6 months ago, hence why they keep favoring the merchant that is causing the fraud. Then they asked me to resend the documents individually per every email upload system. After successfully doing that, they then called me 3 days ago and said they are closing my entire complaint because I ran out of time and awarded the merchant to continue with their fraudulent activities. XXXX was the company involved that took out money from my account without my permission and never responded to my complaint even when asked 4 times. Then at XXXX point they even promised to reimburse me the money but then when they found out that Capital One is not investigating them long enough ( based on incomplete documents perhaps XXXX, then they also stopped responding to me.
Today i recieved an alert that Synchrony Bank requested a copy of my credit report. I immediately contact XXXX because I have been a victim of identity theft in the past. I havent applied for credit with Synchrony Bank or PayPal, please remove this fraudulent hard inquiry from my credit report. I placed a fraud alert in my credit report to make sure this wont happen again.
I have not provided this company permission or a signed authorization form to do a hard credit pull on my report XXXX2017 or XXXX2017. I have reported this to Equifax, they did not investigate and told me to take it up with the fraud dept of the business, Well the business is a small company and there is 4 workers and a manager there, no internal fraud dept. when I called CFPB they told me that I needed to contact State Banking Auth of LA as I did. The person I spoke with stated that the DoddFrank Wall Street Reform and Consumer Protection Act has shifted some roles and responsibilities but she still was unsure why CFPB could not assit me being that this place is NOT a credit union/bank/payday lending company. But is labeled as a Consumer Finance & Loan Company.
I had recently sent a letter to cfpb showing that XXXX who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time XXXX reported to the credit bureaus that my account was delinquent. I also sent a statement to both XXXX, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe XXXX.
i asked for verification of debt certified mail to the collection company security credit services and in a return letter that they sent me there was not a copy of my E-signiture that validates this debt.im asking and request a copy of my E-signiture showing that this debt belongs to me, and if one can not be provided that it be removed off my credit report.enclosed is a copy of letter they sent me.
In XX/XX/XXXXI attempted to modify my 2nd mortgage with XXXX. I was told by a XXXX employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with XXXX stalled, I received the attached letter from XXXX stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. XXXX is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.
On XX/XX/XXXX, I sent an online wire transfer but it never arrived to the beneficiary. On XX/XX/XXXX, I started an investigation and until today, Wells Fargo has not been able to refund the money. They refused to do a fraud claim and all they tell me is to file a complain. I have filed 3 complains and so far, they still tell me I have to wait. I have requested several times something in writing about the situation but the bank refuses to do so.
My mortgage company did not know what my payment was supposed to be every month because they did not perform an annual audit on my escrow account. XXXX month my payment was {$730.00} and some change and the next thing I knew it was {$980.00} and some change. I sent my payment on time and they refused to post the payment because of the escrow shortage and it took them over 4 months to start an audit and then another 4 months to get to the correct payment amount. Then they destroyed my credit.
I've just received a call from a woman named XXXX  looking for someone else. Phone number XXXX.

Contacted my phone numerous times. I've insisted I'm not the person she's looking for however, the calling will not cease. These harassing calls and threats of legal action to something I do not have any knowledge of towards the person she's insisting on reaching is ridiculous.
Just discovered via XXXX XXXX that you have put a collection on my credit report for {$2000.00} on XX/XX/2018. 
I have not used XXXX for any phone, cable or Internet connections. I have been with XXXX XXXX  for years and its all in my husbands name. 
Ive contacted the Collection Agencys and the Creditor directly XXXX XXXX which got me absolutely nowhere the collection company stated they have only Notes and couldnt provide me with sign documents on any of the information and or reason for the collection to be placed on my credit report I asked why they dont have documents and if they are able to contact XXXX  to get them and email me them so I could have them to proceed further in this erroneous collection that has significantly dropped my credit score I am completely confused and mad at the creditor/collection agency who has not been able to provide probable support in order to place this on someones credit and ruin their score without contacting me prior or helping me with proper documents supporting the amount they have placed upon my credit reports. 
Im asking Please remove this collection from my credit report - it is not my debt ... not mine!!! Ive disputed it also with XXXX/XXXX  and XXXX also
I have a Citi Double Cash Card with Citibank. On XXXX XXXX, I made a payment of my full balance by check ( image attached ) XXXX XXXX XXXX, I cancelled the check, fearing it had been lost ( since it had not been credited to my account ), and paid my balance electronically. On XXXX XXXX, Citi mistakenly debited my account for the second payment, instead of crediting it. On XXXX XXXX Citi credited my account for their mistake, but still did not give me credit for my second payment. From that point, I called Citi 's customer service 25 times trying to get a refund for my excess payment. Finally on XXXX XXXX, I was told that the matter was resolved, and that my second payment would be credited to my account and refunded to me within 48 hours. I then requested to close my account on XXXX XXXX. I was told it would take 2-3 business days to receive my refund. I have since contacted Citi several times, and I am continually told that my refund will be issued within a few days. It has been nearly a month since the original promise was made, and I still have not received my refund.
About 5 months ago, I disputed several erroneous accounts on my Experian Credit File. Experian stated that they were verified to be my accounts. They never provided any names of anyone that verified this information per my dispute. I recently disputed the items for different reasons, and the following explanation was provided. " You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. '' The following accounts were disputed, and need to be disputed again. 

1. XXXX XXXX this item Account Number : XXXX .... 

2. XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 

3. XXXX Dispute this item Account Number : XXXX .... 

4. XXXX XXXX XXXX Dispute this item Account Number : XXXX
Initially I disputed items on my credit report, which came back as verified. I believe that the investigation is questionable.
On XX/XX/XXXX I sent a letter to Wakefield & Associates requesting information they reported on my credit report. It was for " Medical bill '', no company name, in the amount of {$62.00}. They received the certified letter on XX/XX/XXXX. 
They have not provided me proof of ownership of the debt and they have not removed it from my credit report.
New car purchased XX/XX/18.Preapproved loan with Honda Financial Services showing approval for new loan taken to dealer which was XXXX XXXX in XXXX, Ohio. Search for new car completed online using XXXX XXXX as a tool to try to get the best deal for car. Told by internet manager XXXX XXXX that once loan was approved she would receive approved loan application. Loan rate that I applied for online with Honda Financial Services was 1.9 % rate. Went into dealer and was told that the loan rate did not apply to the amount of months that I was financing for. I have written rate and months that I applied for and was still told that it did not apply to my purchase. The financial manager said that the rate that I would be financed for was 2.9 % evening after showing the approval amount and the rate and months applied for online prior to going into the dealership. The finance manager signature can not be read. I tried to contact the dealer to get his name but was not successful. He told me at the purchase time that he will make it work to base the new loan payment to be the amount of my previous loan amount of XXXX dollars. 
I was contacted online to complete a survey regarding my experience. I tried to be fair and honest about how I felt the transaction had went. I also received a phone call shortly afterwards asking how I felt about my experience at XXXX XXXX of XXXX, Ohio and told the person that I had completed an detail survey which was very lengthy. 
I contacted Honda Financial Services which had to be done by mail showing all of my documents from them when I applied online for the car loan and was told today that Honda Financial Services work independently from the dealers and that I would have to go back to the dealer XXXX  XXXX regarding the change of the loan rate. 
I am just trying to find out why the finance company and the dealer do not honor the rate after the customer apply and is approved for the loan. 
As I stated previously I have documents showing my approve rate.
Hi I keep getting repeated calls from NCO Financial services on my cell phone. They are looking for someone who is not at this number. I have told them this verbally over the phone as well as emailing them and telling them this. Yet they keep calling me. The number they are calling me at is XXXX. Please can you help me to get them to remove my number from their dialer?
DISPUTED TO CREDIT REPORTS AND THEY ANSWERED THIS WAS FACTUAL. THIS IS NOT MY INQUIRY. IT IS SHOWING AND IS FALSE INFORMATION AS I HAVE NOT APPLIED FOR CREDIT WITH THIS COMPANY.
There are several inquiries on my credit report from same day are within days of each other from companies I never gave my information to. I have contacted XXXX and I am waiting for a reply. XXXX would not give me an option to dispute the inquiries but I did lock my credit report. With Trans Union also I could never get to an inquiry dispute because all they want you to do is give them money to access your report. My credit is good I never miss payments and I believe companies are giving my information to other companies without my permission and my score continues to drop for no reason.
Howard Hanna mo rtgage wanted me to close  XXXX  credit cards and pay them in full at  XXXX  bank and give proof that it occurred. They did n't specify how the proof was needed.   XXXX   credit cards were paid in full and closed prior to closing however the mortgage company then further detailed that the credit card company had to email me a letter stating that this occurred. That was against the guidelines of the card company. They would only send a letter which could take weeks that stated that the account was closed. I pleaded with them but they would not budge. They did agree to verbally explain that they were paid and closed but the mortgage company would not allow that to happen. I 've tried to explain that they are requiring me to provide something that can not be provided. I now worry that the loan will not close because of this and I wo n't get the house.
We have been unable to sell our home for what is owed and contacted Navy Federal Credit Union about doing a short sale. They sent us the paperwork and we put the home on the market, during this process NFCU would not postpone the sheriff sale, however, we live in Michigan and have a 6 month redemption period after the short sale. We finally rec 'd an offer on the home and now NFCU is telling us they wo n't negotiate a short sale because it is after the sheriff sale ... this make no sense to us because they did n't inform us of this at anytime during the process. We ca n't pay off the loan and really do n't want the home to remain vacant for over 6 months. Does n't the government want banks and credit unions to work with their mortgage holders? Please help.
I have had this account XXXX on my credit report for years and I 've always second guessed it because I did n't recall signing up for a student loan being that I was offered a full ride on an academic scholarship. I never received any information about a payment being due for this account until I pulled my credit report and discovered that my credit score was being affected by multiple late payments for this account. Now I finally know the reason why, this student loan does not belong to me! I recently logged on the the Nelnet website to go ahead and bring this account current. This student loan is for XXXX which is a campus that I have not attended and not only that a home address in XXXX XXXX, TX which I have never resided. I am outraged that this information has been added to my credit profile without proper verification of identity. I want this account removed immediately being that this account does not belong to me. I am using consumer finance seeking help to have this inaccurate information removed.
U.S Bank reported me to XXXX on the XX/XX/XXXX for owing {$60.00}, it does n't make sense to me as I walked into the XXXX XXXX XXXX XXXX XXXX, CA XXXX location on the XX/XX/XXXX to close out my bank account. I closed out my bank with XXXX XXXX and I came in on XX/XX/XXXX to verify to why US Bank reported me. XXXX tried to investigate and was not aware to why or eve how I was negative {$60.00} on my checking account. She also recalls me going to the US Bank and closing my account without having any issues. XXXX called the back office to try and figure out to why I was reported. The Back office notified her that they never reported me to XXXX and that XXXX might have some kind of error. I told them I tried to open a bank with XXXX XXXX and was unsuccessful due to being on XXXX. XXXX was transferred 3x and was not able to get any information to why I was reported. After she hung up I showed her my XXXX report and explained that I was reported. On the report it shows that US Bank reported me on the XX/XX/XXXX but when looking at my bank statement I owed XXXX on XX/XX/XXXX and even on the XX/XX/XXXX when it was the ending balance I was at XXXX. XXXX once again called and gave the information over that US bank did indeed report me and the first person she spoke to was not able to have any information to why, They ended up transferring her over again and then the 2nd person said that " US Bank reports people to XXXX every week and then thats the reason to why I was reported. '' I am confused as on my bank statment it shows that I requested to close my bank account on the XX/XX/XXXX and the account getting closed did not go into effect until the XX/XX/XXXX. What is confusing me is that on the XX/XX/XXXX I had a XXXX Balance and that is the same exact day that US Bank reported me to XXXX. I also see that once the account was closed I was charged a {$30.00} fee for " force-closed account fee '' Which I am not sure to why it says force-closed on XX/XX/XXXX if I came in on XX/XX/XXXX to close out my account. PLEASE HELP!
XX/XX/XXXX I mailed all the information requested to XXXX. I registered on line to dispute. Online will not let me continue, it says I am already set up. XXXX XXXX XXXX, my drivers license number is XXXX. I recently updated the address to reflect XXXX XXXX XXXX XXXX. I mail a copy of my XX/XX/XXXX tax return. This information is prior to two months. I filed bankruptcy in XX/XX/XXXX. The addresses shown on the credit report are XXXX XXXX XXXX XXXX XXXX TN XXXX. The spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXX, the spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX. XXXX XXXX XXXX XXXX TN is one Of The addresses used by me. The case number is XXXX. The property at XXXX XXXX XXXX XXXX TN XXXX was foreclosed on. The Trustee was XXXX XXXX. XXXX XXXX XXXX an agent for XXXX XXXX is on my report. XXXX XXXX XXXX XXXX in XXXX TN is on my report. XXXX XXXX XXXX XXXX is on my report, account number XXXX. XXXX XXXX is on my report. An inquiry was done with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX handled the bankruptcy case. Attorney XXXX XXXX filed the case. Attorney XXXX XXXX XXXX also helped with the case. The tax transcript I filed with IRS shows I filed my return with XXXX XXXX {$19000.00}. Refund in the amount of {$1700.00} was applied to balance with IRS. Fraudulent transitions are being reported to IRS using my social security number. IRS have my current address on file XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My former employer ein number is XXXX. {$23000.00} was reported to IRS when I was laid off on XX/XX/XXXX. A fraud tax return was filed using my social security number. I 've reported to IRS using XXXX form for investigation.
Ally Investment purc hased  XXXX , an online investment company. I am unable to reach  Ally Investment  by phone regarding my account. I called the telephone number provided on the web-site (  XXXX   )  multiple times during the day, and was on hold for hours. I also called Ally Bank general telephone line (  XXXX   XXXX  ) and spoke to a supervisor, who informed me that he was unable to reach the investment team, using the direct telephone number via the bank telephone system.   In addition, I sent  Ally Investment  an e-mail (  XXXX  XXXX  XXXX  ), complaining that I am unable to reach their telephone customer service. They replied by instructing me to restart my browser. There is an urgent issue that can not be completed on line, and requires a telephone customer service assistant, but I am unable to reach this financial institution. This  may  cause me financial lose.