WillisBack/dataset-financial-user-claim huggingface dataset:
I initially had a mortgage loan with Wells Fargo, they did not report the mortgage loan ( {$270.00}, XXXX ). I went to closing on my townhouse on XX/XX/XXXX and my mortgage loan has yet to show on any credit bureau. The mortgage was transferred to XXXX Bank. I made two payments of {$1900.00} with Wells Fargo, and I believe these payments should have been reported to any of the Credit Bureaus. 

I went to the Wells Fargo Bank on XXXX XXXX, XXXX, MD and spoke with one of its bankers. He said that the mortgage of {$270.00}, XXXX should have been reported immediately. 

I faxed a letter to the Wells Fargo Mortgage Department, per instructions from the gentleman who helped me at Wells Fargo Bank, XXXX XXXX, XXXX, MD. 
I received a voice message today, from one XXXX XXXX, who stated that she would be my point of contact regarding the letter that I faxed. Her telephone number is XXXX ext. XXXX The individual who handled my mortgage loan was XXXX XXXX, XXXX. He is no longer with Wells Fargo, so I've been told. 

If someone could contact me, I will be able to give my Mortgage Loan #. At present I am at work and do not have that information with me.
XX/XX/2017     Fair Collections and Out    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , MD.  XXXX  To Whom It  May Concern : Th is letter is regarding account # xxxxxxxxx, which you claim I owe {$4000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I hav e ( or ever had ) some  contractual obligation to pay you.   Please also be aware that any negative mark found on my credit reports ( including  XXXX ,   XXXX   and   XXXX    ) from y our company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.   Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for :   1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
The case number is XXXX its with northland group. they are debt collectors it is for original creditor XXXX XXXX. ENDING IN XXXX THIS IS NOT MY ACCOUNT,. I never OPENED THIS ACCOUNT WITH XXXX XXXX. I get a letter from these people every month wanting this and wanting that. Again this is not my debt. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX
I am a victim of identity theft and been a victim of identity theft for quite some time. Someone stole my personal information and identity to open 2 personal loan accounts that are fraudulent and unauthorized. The following personal loan accounts do n't belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX, Loan Number : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX ) XXXX, Loan Number : XXXX
I am receiving harassing calls from XXXX which claims to be Contract Callers, a debt collection agency. They say I owe XXXX XXXX over {$2000.00} and they want me to make a payment. I have a XXXX XXXX account and my limit is XXXX what they say I owe and I pay my XXXX XXXX card minimum payment every month. Furthermore, I check on my credit report every month using XXXX XXXX and there is no such outstanding debit. 

Please help me. They are calling my cell phone while I am working. How can I stop these harassing calls?
Subject and History My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX. Since about XX/XX/XXXX I owned XXXX XXXX XXXX in XXXX   XXXX, IL. We currently live in XXXX, Oklahoma and have for almost forty years. On XX/XX/XXXX, City of XXXX IL., filed a Complaint in XXXX , IL ( XXXX County , IL ) for perceived Ordinance Violation against me/defendant, under XXXX City Code , alleging an unsafe and dilapidated building, asking TR Court for a fine not less than {$250.00} and nor more than {$500.00} first offense ; same range for any subsequent conviction within a year period, and a further penalty in like amount for each day etc. On XX/XX/XXXX trial judge fined me {$110000.00}. On XX/XX/XXXX, at hearing trial judge case to be sent to collection agency ( see attachment Court Docket ). 
On or about XX/XX/XXXX, Credit Collection Partners, ( IL license number XXXX ) XXXX, IL.,  sent me XXXX XXXX ( senior ) ( XXXX , Oklahoma ) a " Notice of Non-Compliance '' for Amount Due {$170000.00}, ( see attachment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
On or about XX/XX/XXXX, we responded in writing disputing to Credit Collection Partners, advising them the Amount Due {$170000.00} was incorrect. It appears collection agency added an additional unauthorized amount due of {$31000.00} for unknown reason ( s )? ( see attachment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ). 
On or about XX/XX/XXXX, Credit Collections Partners, sent me another written communication this letter provides the latest account balance information that is owed to this collection agency. Amount Due {$140000.00}. The content of this correspondence is much different too, please compare the two documents for specifics, ( see attachment XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ).
I rented a car from XXXX NJ XXXX XXXX for three days and prepaid {$120.00}. Upon When I picked up the car I added insurance and was given a new total of {$180.00} for three days rental and insurance for same. Upon return I did not get the car checked back in outside. I went to the inside counter and due to the long line I left left my receipt with the rental clerk with the understanding he would close the rental and email the receipt. I never got a copy of the receipt nor do I have the original agreement stating I owed a new total of XXXX. XXXX added the XXXX amounts the XXXX and the new modified reservation amount of XXXX. A new and bogus receipt was created to show I owe both amounts totaling XXXX This was a three day compact car rental. They have refused to take the XXXX from my off of my credit card and Citi cards did not properly investigate this matter. 
Citi did not honor the grace period for which I was to have to refute their " findings ''. I have filed a consumer report against XXXX after numerous attempts to resolve this with XXXX.
i have filed a dispute didn't get back response beside the point its a company card that i was never a pert off
We took an equity line with Citizens Bank in XX/XX/XXXX. After a long process to get this loan we signed the paperwork in XX/XX/XXXX. We then used the money to pay contractors to do some work on our home. The paperwork was " lost '', " not processed '' or just misplaced and we had to duplicate some of this paperwork for months after the loan was originated. The payment set up was incomplete which caused headaches and late charges which after a full year the bank realized their errors and reversed all those charges and cleaned the record. In XX/XX/XXXX I refinanced my home and closed the equity line. Unbeknownst to me or my wife was that Citizens slipped a line in the documents to charge {$350.00} for early termination of the equity line if closed within three years. I only found this out when I received a statement showing my payment for this. They also charge us a yearly fee to have the loan " open '' which they did not prorate for the 4 months we did not use. I have complained to the bank about this and that the loan officer did not explain this fee prior to the loan being opened. On top of this they also charged {$25.00} for a fax to get the payoff of the loan. The bank refuses to give a refund for the {$350.00} or the prorated fee for the loan or the {$25.00} for a fax fee that was also never discussed. {$25.00} for a fax seems a bit high, almost a price gouging situation. The bank personnel have told me they would return calls several times within 24-48 hours and yet have taken over a week on each occasion to reply to me with the same negative response about reimbursing my fees that were paid. Had I been aware of the {$350.00} fee I could have kept the loan " open '' until XXXX with a minimum balance to avoid these fees. I was not given that opportunity to do this and the statement I received was weeks after the payment was made making this situation even that much more frustrating.
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX To whom it may concern- I am writing to file a complaint against Chase bank for NSF fees that should not have been assessed. For several months, Chase bank has paid items coming through my account based on " their " discretion. In paying the initial item of my mortgage in which My account was short in excess of {$1900.00}, this caused me to get several hundred dollars of fees per week in addition to cause my account to be in a cycle of being overdrawn for several months. Three months of fees totaling {$3000.00}. The bigger concern is when my XXXX XXXX bill came thru my account to get paid which was a {$5000.00} payment and I was short {$330.00} this item got returned!! This has now had an impact on our relationship with XXXX XXXX. How can Chase continue to pay items overdrawing my account for approximately {$2000.00} per week but did n't pay an item that was short {$330.00}? I have been told when I call it is because " Items are paid at Chase discretion ''. The answer is simple, by paying all the other items coming thru my account overdrawing it by {$2000.00} they were able to charge me extensive overdraft fees because I had pending transactions at the time.!!! This is NOT acceptable. We do NOT have overdraft Coverage NOR debit card coverage therefore they had NO right to pay things overdrawing my account in excess of {$2000.00} allowing them to charge me over a {$3000.00} in fees during a 3 month period. If they chose to do this why did n't they pay my XXXX XXXX bill? How can a bank pick and choose? Would n't it make sense if they were going to choose they would choose to cover {$330.00} NOT {$2000.00}!! Please see the attached statement showing their '' choice '' to pay items coming through my account and the hundreds of dollars paid in fees. I would like to prevent this from happening to other customers and would like ALL my fees from this nightmare for the past several months reversed. We have banked with XXXX XXXX and there are no other banks that would cover a item that would overdraw your account by {$2000.00} unless you had overdraft protection. Chase stated this was done because of our great relationship with them??? Clearly this was done to make money off of us. If it was truly done for our relationship with them they would have paid our {$330.00} shortage for our XXXX item which was a {$5000.00} payment. Thank you for your assistance with this matter. See attached documents. 
Best Regards, XXXX XXXX
Chase card fraudulent late fees : In XX/XX/XXXX chase charged my account {$150.00} and XX/XX/XXXX so far {$270.00} late fees All payments were made on the due date after XXXX pm. Chase phone payments ( automated payment system XXXX rolled the payments over to the next day then charged late fees. 
The bank was making more in late fees than interest which were respectively {$140.00} and so far XXXX for XX/XX/XXXX. 
When I call, they say it 's automatic they can not undo it although its wrong
Citibank sent me a letter that they closed my account with no reason. My payments were made on time for the 3 years I had the credit account. 

They are telling me that this is based on information in my credit report which is not there. They also ran my credit without my permission. 

I spoke with an XXXX at Citibanks executive response team. He was rude and demeaning, hung up on me twice, refused to give me his supervisor and told me if I called block my number would be blocked.
I received a letter from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX, Tel : XXXX informing that effective XXXX/XXXX/2015 our HOApayments will be sent to Bank United and asking to discard the old coupons withthe information for XXXX. When I visited XXXX website toschedule my payments online, I found a convenience fee as follow : standardprocessing new bank account {$3.00}, credit card {$9.00} ; express pay new bankaccount {$9.00}, new credit card {$9.00}. Please note that with XXXX wedid not have any fee when paying online. This is a rip off, please stop them. 
For security reasons this is an anonymous report. Thank you.
I contacted Navient to discuss lowering my monthly payment which I can not pay at this time still being a student and unemployed. They had previously agreed to let me make interest only payments for the past 4 years to have a lower payment because they said I had exhausted all option for a forbearance with a private loan. I stated to them that as a student, I am on a very tight budget and can not afford to make the {$110.00} payment amount that is coming due on XX/XX/2017, but that I can pay something if they can agree to lower the payment. They stated to me that they can not. I spoke to their collections department who informed me that if I waited until 5 days after the payment is due and called in that maybe there is something they could do. However, I stated to them that I did not want to go delinquent. This is the reason I am calling now is to make arrangements before becoming delinquent. They will not work with me on this at all! I spoke to a supervisor then a senior supervisor then a collections supervisor department who was the rudest of all and told me that even if unemployed they would not lower the payment and allow me to pay a lower monthly payment. They say I have no options but to pay XXXX or nothing and ruin my credit. They are completely unwilling to help me work out something in any way whatsoever.
I continue to receive annoying/disturbing/harassing phone calls at my place of business from the Law Offices of Joe Pezzuto ( the number identified in my caller ID is XXXX ). When I answer the phone, they either hang up on me ( this happens repeatedly ) or they continue to ask for someone that I do not know. When I tell them that I have no idea who this person is and that they MUST discontinue calling me at work, they typically just hang up ( and call again ). This is my place of business, and I DO NOT know who this person is that they continue to ask for.
We have become the victim of banking bonanza.Since 2008 we have tried many times to modify our mortgage to no avail and it is in foreclosure status, it is in court and we are helpless as both the debt collector and court is not doing anything to resolve the issue as we are eager to reside and keep our property.Time is going on and our debts increase as the collector does not accept payments.
For every Bill I received I have made a payment. About a year ago I stopped receiving bills, and have not gotten a phone call email or letter about this debt. I did not know this debt still existed until I found out from my credit report that I have an account in collections.
We have numerous items being incorrectly reported on our credit reports by Experian. XXXX for example is an Account from XXXX that they have listed three times, each listed differently but each listed as derogatory but we only had XXXX account at this bank. I have written them at close to 10 letters asking for resolutions. They keep telling the the items have been verified or previously verified. Since I know they are not mine I have continually asked for proof of their verifications from the original creditor and not a third party reporting site as required by law. Yet they refuse to comply and have sent no proof of verification from any creditor listed on my credit file. 

We have accounts that I have asked them to remove because they are not mine and they tell me they are my accounts yet they will provide no proof of verification. 

Now they are asking me to provide proof of indetification but I have previously sent that to them 2-3 times from my same address. It is interesting how I have to prove my own identity but they can then destroy it with out proving they are reporting correctly by following the law regarding verification processed. 

I am filing this report as required before I hire a collections attorney. I have been denied credit several times within the past few months due to these errors and I will pursue this to the fullest extent. 

I have a i inch binder packed with letters over the past 6-9 months and can send if needed.
Did not like the way Discover.com has handled and determined to reverse the credit on a disputed charge by XXXX XXXX XXXX. A copy of my letter of intent to continue dispute lodged with Discover.com is below : I deny I ever viewed, received or agreed to the terms on the alleged documents posted by Discover Card in said dispute. I viewed and agreed to a different set of documents that did not include a trial or additional charges. By this notice I intend to continue this dispute with XXXX XXXX XXXX. There is no proof I agreed to the terms alleged. I have also notified the Federal Consumer watchdog agency, CFPB and the FBI of the outrageous nature of XXXX interstate business practices. XXXX XXXX XXXX_____________________Signature Date : XXXX XXXX, 2015
XXXX 
1. SETERUS was not responsive to payoff requests, which resulted in them securing more time to collect interest payments - I believe they owe me interest that they collected past the closing date2. SETERUS is now not responding to my requests for a refund of {$1600.00}, as escrow funds they collected for city taxes are no longer my responsibility as I sold the home and they are now the responsibility of the new ownerI sold my home with a closing date of XXXX XXXX, 2015. Beginning in XXXX, the title company began contacting SETERUS requesting a loan payoff statement. After multiple faxes and phone calls, SETERUS kept claiming that not only did they never receive a payoff request, the title company was n't authorized to request the payoff, and it had to be done by me, the homeowner. I made multiple requests via phone and online, yet it took over a week to get a response and we finally received the payoff notice after the closing date. My loan was paid in full on XXXX XXXX, yet they have XXXX XXXX as the payoff date, which gives them 3 extra days of interest charges. The issue now is that I am having a difficult time getting the city property taxes they collected returned to me. The taxes are due XXXX XXXX and are now the responsibility of the new homeowner. SETERUS can not keep the money they collected, yet they will not give me a definite answer on sending it back to me, just that the refund is pending. I have made multiple phone calls, and SETERUS does not have a way to be contacted via email. I need help getting SETERUS to send me the refund check for taxes collected, yet no longer my responsibility.
confirmation number XXXX Issue # 1. XXXX hasnt not been corrected. Accounts still show bankruptcy. They were not included in a bankruptcy. So far I have submitted XXXX documents showings accounts paid in full not derogatory. I have also supplied bankruptcy papers showing not included in a bankruptcy. Also XXXX discharge due to disability papers. EVERY TIME I call equifax they tell me they are not going to remove. They have also refused to conference call with the creditor. Now they told me on phone they dont have documents I submitted and will not call any bankruptcy court to verify. They have also sent me letters im being frivolous recently. This improper reporting has cost me many credit card applications and housing since I have so many XXXX  not showing paid as agreed. I have been waiting and fighting a year to be fixed. Fix immediately. Should show 7 to 9 paid in full accounts. No more pending. XXXX refuses to fix immediately after this error has been partially there fault for over a year now. This needs to be rushed now. Im getting economic loss, high interest rates, and lost housing because of false reporting. no more waiting Issue # 2. around XX/XX/XXXX I submitted XXXX credit report to show status of the XXXX and they added XXXX using XXXX credit report. I have since disputed and they told me XXXX  verified account. I have called XXXX and they have not reported to anyone about accounts in my name recently. There should not even be a dispute on my end since it was not correctly added to equfax by using a credit report I gave then from another agency regarding something else. A representative stated that XXXX has always been they since XXXX. there resolve XX/XX/XXXX shouldnt be there since it wasnt correctly reported. A agent stated to me XX/XX/XXXX its always been there. This isnt true. Equifax has failed to give me how it was added in XXXX. I want proof XXXX  initiated adding it recently. If they did not. It needs to be removed. Please equifax dont send me something that is in progress. I have also included in the past another credit reporting agency XXXX  stating all paid in full. Fix this immediately ( yes or no ). 

in this complaint im including. 

1. A recent result for cfpb were XXXX  states accounts were not included in a bankruptcy 2. something from the bankruptcy court stating XXXX were not included 3. A statment from XXXX stating they never reached out recently to equifax 4. A credit report from XXXX and XXXX showing that it wasnt previously on my report until I submitted my XXXX dispute in XXXX to XXXX A XXXX letter stating accounts paid as agreed, paid in full not derogatory
I accessed a one time service from Experian for a credit report when applying for a credit card two years ago. Since then I have received emails from them and assumed this was junk mail. I never opened them nor have I used their online rating service since the initial check. I have not received paper billing from them. This week I checked my online bank balance and noticed a {$27.00} fee from Experian every month. I called my bank and they traced the charge back to at least XXXX 2015 - which is close to {$500.00}. The bank said they could not reverse the billings. I called Experian to cancel and file a complaint. They said that when I signed up for the initial service I was supposed to cancel after seven days and that this direction is clear on their website. I have no memory of this being clear ; I 'm very careful and have never had this problem with any other online service that I 've used. They offered to refund XXXX payment of {$27.00}. I have researched Experian complaints in online chat boards and have found that many people have had the same problem.