WillisBack/dataset-financial-user-claim huggingface dataset:
Called me about 3 weeks ago from XXXX XXXX saying I owed a debt and that if I dont work something out with them right this second while on that call they where going to serve me papers and sue me. I never heard of the debt they say I owe and knew nothing about it. I asked for them to send me a letter to My address. I have never received any letter. And now its on my credit report.
I recently received documents from Wells Fargo, Dated XXXX XXXX, 2015 which suggest that my investment property will be refinanced, however, I did not apply for a refinance or authorize Wells Fargo to do this on my behalf. There is also an internal email correspondence that was inadvertently included in my package, which is telling Wells Fargo employees that I am waiting for these documents and working with the Office of the President to refinance my loan. This is a lie. I would like this to be investigated.
I have disputed these couple cards a few times and for the life of me I do not understand while they 're still showing up on my credit report was a victim of identity theft it 's been reported to the police department it 's been reported to all of the bank and except for these three accounts I have good credit even though I 've asked you before you never tell me what exactly it is you need from me to get these accounts removed it 's called identity theft for a reason of course a lot of the information is going to match mine if it did n't it would n't be called identity theft to me this seems very simple but for some reason experience is having a difficult time with these three accounts and getting them removed from my credit report what is it that you need for me to prove that I did not open these three account did not use these three accounts had nothing to do with these three account? If you could answer that question maybe we could actually resolve this because you keep sending the dispute  to the bank and they say oh yeah it 's the same name and date of birth and so on of course it is this is why it 's called identity theft of course the information is going to be very similar this is how it ended up on my credit report this is how they were able to open the accounts to begin with. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX and # XXXX These three accounts do not belong to me how do I prove this to you? Please answer my question. 

There are also 2 inquiries to look at my credit report they do not belong to me 1 XXXX cards just happened a few days ago again not me there 's another one for XXXX XXXX XXXX XXXX clearly I 'm still having issues do you have a fraud alert on my account?
The credit check is reporting incorrect info I signed an agreement with the chiropractor for XXXX $ not XXXX . I had insurance at the time which paid for care. 

Told people that werent me I owe XXXX grand also told me to get a job.
XXXX   XXXX  - calls placed by former student of  XXXX   6 t o 7 times t o Sallie Mae. Sti ll was not provided information requested - MPN, signature, disclosure documents, etc. for  XXXX   XXXX   XXXX . Please expedite this information to  XXXX   ( ov ernight mail ).     Falsification of documents suspected, and not being expedited as to the investigation.     Misinformation provide d by Sallie Mae Allegations and Investigations in that informed to send a letter ( attached ) addres sing issues, details, and proposed solutions regarding suspected fraudulent activity by   XXXX   XXXX   on  XXXX   XXXX .  One   XXXX   XXXX  informed that an affidavit has to be completed befo  re Sallie Mae will investigate.
Faxed documents over to Customer service and Sallie Mae Customer Service said never received. ( also attached - only part of document pertains to Sallie Mae. ) Then faxed to 2   other departments.     Date of  XXXX   XXXX  that loan documents signed was date that  XXXX  was at work.
i opened a checking account with Citibank to take advantage of a promotion that said if you open an account with {$15000.00} and leave it there for 60 days, you would get {$400.00}. i completed the requirement and was told repeatedly that i qualified for the bonus ( i am enclosing one of those confirmations in the files i am enclosing ) .now im being told since the savings acct was indication closed that i dont qualify. 
i was told numerous times that i did qualify. i feel the bank is acting in extremely bad faith. i am sending the transcript and a screenshot of my account. This is grossly misleading on the part of Citibank.
I terminated my account with XXXX XXXX XXXX. At that time XXXX said that my residual balance for a partial month 's service would be billed and paid using my already existing electronic bill payment service. The amount due was {$23.00} was paid via this service on XXXX/XXXX/16. On XXXX/XXXX/16 I received a collection letter via USMail from IC Systems, threatening to take legal action on this amount. I attempted to contact them online and was informed that I should call! XXXX. I called this number repeatedly, and was never able to get through. This account was never late!
I have not used my Citibank credit card for a period of time. On XX/XX/XXXX, I made a purchase with the credit card. This transaction was successful, but any future transactions were declined. When I called the Citibank customer services, I was notified that my Citibank credit card account was closed on the same day. I did not have any overdue balance and did n't get an explanation why the bank closed down my account. I am concerned that the involuntary closure of my credit card account will affect my credit score.
Enhanced Recovery is reporting a debt for XXXX on my credit report. At the time that they said the debt incurred I was XXXX years old and you are not able to sign a contract or open a cell phone account at the age of XXXX. The removed it off my credit report, and now they added it back on my credit report.
Our mortgage loan was purchased by Wells Fargo a while back. Things were great at first and then in XX/XX/XXXX we received a letter from them saying our property taxes were past due, this was around XXXX. Our taxes are not due till XXXX. Then before we knew it they added escrow to our loan without our knowledge raising our payment by {$600.00}. We are on a fixed income. We finally had to get a lawyer and get this escrow taken off, which it was. We have tried to get our mortgage refinanced XXXX times this year recently the XX/XX/XXXX. It has been XXXX months and still no mortgage because of Wells Fargo. They have put inaccurate info on our credit report making our credit score keep going down. They are saying our mortgage payments have been XXXX and XXXX days late but we have bank statements to prove there not. They recently updated our credit report with inaccurate info that made our score go down far below the score needed to get a mortgage loan. When we XXXX applied our chances were good but they have done this to our credit report to keep us from getting our mortgage refinanced. They are even harassing us by mail and phone calls at the beginning of the month with collection calls saying our payment is late and delinquent when it is not. Why are they doing this to us? All we want is to get our mortgage refinanced with a respectable company and lower our interest rate so we can have our taxes included in it with a lower monthly payment. They did the same thing in XXXX when we wanted to refinance. Also in XX/XX/XXXX we received another letter from Wells Fargo saying our property taxes were delinquent ( according to our tax agent our taxes are not XX/XX/XXXX, and not delinquent till XX/XX/XXXX ) again for this year and they gave us till the XX/XX/XXXX to pay them or they were going to add escrow to our loan again??
See the attached " pdf '' files. Essentially Nationstar is either intentionally, or through sheer incompetence, preventing us from using their online services. My wife and I are both over XXXX years of age. Nationstar 's discriminatory behavior is prohibited by federal and state statutes.
Nationstar must correct their Information Technology Systems to allow us to use their web-based tools to manage our loan just like all their other mortgage loan customers. My letters and phone calls have gotten no results although Nationstar 's employees have repeatedly told me they would fix the problem. Our loan was transferred to Nationstar effective XXXX-XXXX-17 and at this date, we have been unable to access our loan file using the Internet.
Received a XXXX form dated XXXX/XXXX/XXXX from TD Bank XXXX It states I had bond interest for ( 1 ) XXXX XXXX for {$550.00} and ( 2 ) XXXX/XXXX/XXXX - XXXX/XXXX/XXXX for {$34.00}. I called customer service on XXXX and spoke with XXXX to inform them I did not cash any bonds in XXXX. She then disconnected me. I called back minutes later and was connected to XXXX, who stated she will fill out a form to begin an investigation. On XXXX/XXXX/XXXX I received a new " corrected '' XXXX form with only XXXX interest entry removed for {$34.00}. On XXXX/XXXX/XXXX I called customer service and spoke with XXXX to inform her the corrected XXXX form was still inaccurate. She informed me she would have this " expedited '' due to it being my 3rd time calling in and that someone would call me and a new form would be sent within 3 days. As of XXXX/XXXX/XXXX I have not received either a phone call ( as promised ) nor a corrected XXXX. I called in to customer service now for the 4th time and spoke with XXXX. She verified my address and stated she just spoke to someone who was going to send a new form. When I asked how much the " corrected '' XXXX was for she stated it was for {$580.00}. I told her that was not accurate and could I speak with the person she referred to that was going to send a new form. XXXX then transferred me to " XXXX '' a supervisor in the contact center. When XXXX got on the call she asked me what was the problem. So now for the 5th time I had to tell her what was wrong. She clearly did not understand what I was asking and stated " we do n't sell bonds at TD bank ''. I explained to her again what the problem was and her response was, I will get back to you. The Contact Center employees clearly do not understand XXXX forms or how to get them corrected. How many times does a customer have to call TD Bank to get an issue corrected. I called 5 times and my issue is still not corrected and there is no end in sight. They are not only reporting inaccurate information to the IRS, they are causing me time out of my day to make all these calls, which the XXXX made today ( XXXX/XXXX/XXXX ) lasted more than 30 minutes on hold with no resolution.
While attending XXXX XXXX in XXXX IN from XX/XX/XXXX-XX/XX/XXXX I was paying for my student loan ( Genesis Lending ) every month. It was hard enough working a part time job and going to school, plus paying for one of my student loans on top of that? Sure, I believed them that it was what had to be done to stay in the program, but I needed a job quick that would start out with decent pay. Is it the amount they told me I would start off at, of course not! I have now been in my field for over 6 years, out of XXXX students in my class I was XXXX of XXXX that actually got a job in what we went to school for. I also believe that I am over paying for my schooling. I would like to know what my next steps are to get relief from paying the rest of my student loans back since I have already OVERPAID what other schools such as XXXX XXXX are charging for the same program and with a degree or if I will be receiving any money back that I feel this school system legitimately stole from me. I feel that it is only the right thing to do to relieve me from paying off the rest of my loans through Genesis and XXXX XXXX. Plus, giving me back some money that I feel I deserve from putting up with this nonsense. It 's been nothing but a struggle trying to go back to school because NO ONE takes any credits from XXXX. If you ask me I 'm so ashamed and EMBARRASSED to say that I actually went to XXXX. XXXX promised that any accredited school would accept credits from there, shame on me for believing them. I feel I 'm very well qualified to continue with my education, but thanks to XXXX I literally have to start all over with everything. NO credits, NO degree, NOTHING. I feel as a student that attended XXXX I deserve something, whether that be relief of the rest of my loans or some kind of refund. All I have to say is what a JOKE!
After receiving an email directly to my personal email account inviting me to apply for a Delta Amex Gold Card in exchange for XXXX points if {$1000.00} was spent in the first three months, I read through the terms and found no indication that I would be ineligible for the XXXX signing bonus. Even though I have years ago owned a Delta Gold Card, I found no indication that I would be ineligible for these points. With an upcoming trip to XXXX in XXXX 2016, I signed up for the card and made haste in spending {$1000.00}. Spending {$1000.00} in a month is not usual practice for me. Additionally, in spending that {$1000.00} on my Delta Gold card, I neglected to spend any funds on my Amex Gold card ( I am a loyal Amex member and therefore have more than one Amex card ), thereby forfeiting any potential membership rewards points that could have been earned in the same period in which I was spending {$1000.00} on my Delta card. 

After spending the {$1000.00}, I called Amex to find out why the XXXX points had not been transferred to my account, as I needed to book my travel to XXXX. It was not until this point that I was very rudely informed, by several Amex employees, that I was ineligible for these points, making my travel plans impossible. Furthermore, as I have struggled to be able to book this trip, despite the odds stacked against me, my generous family members have offered to help by putting points in my account, which I am also informed is impossible. 

I am asking today for the XXXX points offered to me in the marketing offer I received when I applied for the Delta Gold Amex. I am simply trying to get what I was promised. 

I am disappointed by these fraudulent, misleading, and exploitive practices.
Nelnet Loan Services is continue to report false information on my credit report. Nelnet is not original creditor. I never sign contract with Nelnet. Nelnet can not prove that it my debt. Nelnet claim that I owe {$23000.00}. Where is the original promissory note that I sign for {$23000.00}. What the name and address of original creditor? Who the person who approve this promissory note? When was first payment made on this account? When was last payment for this account? It seem like Nelnet try to use false deceptive, or misleading representation in connection with the debt collection. I feel that it not right to try discriminate on me because I am XXXX male. I am requesting that Consumer Financial Protection Bureau does investigation on Nelnet trying take advantage of minority. I will like someone from Consumer  Financial Protection Bureau to meeting next month XX/XX/2019 in XXXX with Nelnet Loan Services, myself and document expect to look at promise note.
We are very careful with any charges on credit cards or obtaining financing. We received a threatening " Account Notice '' from Sears stating that we must make a purchase or other transaction by XXXX XXXX, 2016 or have our credit limit lowered and to " hurry '' in doing so. We feel this is pressure to use our card, and we feel since we voluntarily applied for the account and paid as agreed ( actually early ) we should have the account available at our discretion. We know that credit bureaus receive information about account limits and closings, and these reports affect credit scores. We feel this is a predatory lending process on the part of Sears and should not be allowed to continue. After calling the account inquiries number to check on why we would receive such a notice, I closed the account by phone on XXXX/XXXX/2016, because I do not appreciate being threatened. We do not need Sears and XXXX ; they need us.
I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.

I have disputed this information with the three credit bureaus and they have not removed the incorrect information.
I call the credit bureau about the inaccurate inquiries on my report. Their response was that i had to call the company who did the inquiring. Well i did call them right away and they said they would take care of it. They would not send me anything saying that they knew the inquiries were not mine or invalid. I then called the Bureau back and they said there was nothing they could do. Its been over 2 months still no answer. These are the companies and the dates of inquire. Cap One - Date - XX/XX/XXXX. XXXX XXXX XXXX - Date - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
XX/XX/XXXX XXXX ( hereinafter XXXX ) receives XXXX debit cards and a welcome packet from USAA Savings Bank regular mail. 
XX/XX/XXXX DWH receives a pre-approved XXXX with {$20000.00} limit in regular mail. 
XX/XX/XXXX DWH recognizes that these financial products were not solicited by me and I call USAA to inform the company that I am not a customer and that I have never applied to USAA for any financial products. Moreover, in talking with XXXX at USAA I determine that a fraudster has used my name and personal information to open accounts at USAA and that I am a victim of identity theft. 
XX/XX/XXXX DWH goes to XXXX Police Department to report that I was a victim of identity theft and XXXX begins a police report. 
XX/XX/XXXX XXXX speaks with USAA employee XXXX, XXXX XXXX for USAA. Moreover, XXXX sends XXXX an email ( copy attached ) by and between this USAA employee and the XXXX Police Department stating " USAA is in agreement and has identified XXXX as a victim of identity theft, the fraudulent accounts opened in his name have all been closed and he will not be held liable for the accounts. '' XX/XX/XXXX DWH still receiving statements from a USAA secured checking account and XXXX sends a registered letter ( copy attached ) to USAA XXXX XXXX directing USAA to close any and all accounts that the fraudster opened using my identity and to stop reporting accounts on my personal credit history. 
XX/XX/XXXX XXXX begins to receive USAA credit card bills ( copies attached ) on the credit card account that USAA employee XXXX indicated XXXX years earlier " have all been closed. '' XX/XX/XXXX XXXX runs all XXXX credit reports to check for erroneous activity. Moreover, the XXXX report ( copy attached ) shows that USAA inquired XX/XX/XXXX on my personal credit without a business purpose. 
XX/XX/XXXX XXXX calls USAA and indicates that personal credit inquiries without a business purpose are illegal and that they have never had an account with me ; they had an account with a Fraudster. Moreover, I indicated that USAA is now harassing XXXX with billings, lates fee charges etc. on an account that was supposed to have been erased from my records. Finally, I indicate that if USAA does not send me in writing a statement saying that this credit card is closed and taken care of, I will file an official complaint with USAA Savings Bank 's financial regulator -- Office of the Controller of the Currency. 
XX/XX/XXXX DWH contacts XXXX at XXXX of the Controller of the Currency consumer complaint department and she directs me to file with the Consumer Financial Protection Bureau. 
XX/XX/XXXX XXXX files email complaint with Consumer Financial Protection Bureau supported by various PDF attachments that support the facts of the matter.
I was negotiating a settlement with XXXX XXXX XXXX regarding a Midland Funding account. After submitting my hardship proof and making numerous calls, with no callbacks, I was told that they faxed a 'payoff ' letter to XXXX XXXX , who was NOT and is NOT representing me ... he was representing the bank on my foreclosure. I repeatedly called XXXX regarding XXXX party disclosure and violation of the FDCPA and I could never get anyone on the phone -- left numerous messages to no avail. When they told me what they did I immediately advised that they were in violation and I was basically told 'big deal ' and the call was terminated. I have attached the letter I have sent to them, but I wanted to go on record in case I still get no satisfaction.
Creditor affirm is being reported on experian as a {$3000.00} repossession opened in XXXX. It used to be reported correctly and all of a sudden it changed. I have a letter from the creditor stating this, as well as email 's from them. The correct information is that it was originally opened on XXXX/XXXX/XXXX in the amount of {$550.00}, payments of XXXX were to begin on XXXX/XXXX/XXXX. I have been making timely payments. It is not a repossession, Never late and i also have an account verification letter that affirm sent to me confirming all of this. I have sent this letter to experian, uploaded it multiple times to experian and disputed with this letter 5 times. Each time experian says the information will remain unchanged. It is an obvious error in experian 's system because the information they are reporting on the affirm account is the same information being reported on a different repossession account listed from another company on my credit report. Somehow the information is mixed up in experian system
Triad financial services uses predatory business practices, unlawful debt collection behavior, and will try to reposess your house on charges you do not owe. We never received closing loan documents. They have processed our mortgage payment a month late every single month and have tried to hit us with late charges. They also did not credit us with a payment more than once and I had to submit proof that we paid them and they cashed it multiple times. We have submitted proof multiple times that we paid every month, and the continued to harrass us with phone calls saying we were a month late several times a month for the last seven months. When sent a cease and desist with requests for proof that we were missing a payment, loan documents ( including promissory note ) and to stop the harrassing phone calls over a debt we do not still owe they sent us a threatening letter saying they are going to reposess and foreclose if we did not pay the disputed amount and the current month payment within thirty days. They have been made aware of charges to our account not due and yet it says in the notice that they are not aware of any such charges. They have been made aware. Multiple times. This is despicable behavior for a company to engage in.