WillisBack/dataset-financial-user-claim huggingface dataset:
TILA, FCRA, FDCPA Violations : Wells Fargo Ed. Loans has been misreporting my account to the credit reporting agencies in violation of the FCRA. It also failed to properly administer my ed loan account such that my payment was returned and my deferment request was not processed. My understanding was that my account was in good standing but my account is showing as 60 days overdue when it should not be! 

Please fix this problem as Wells Fargo 's unlawful violations of state and federal law are ruining my credit and my ability to refinance my loans to a less expensive interest rate. 

I have proof that I sent in payments which were returned and that my credit report has incorrect Wells Fargo credit history. The Wells Fargo Executive Team is playing games. I have given all of this information countless times but it is wasting and churning time ( in order to look like it's doing something ). It is apparently going to claim that it knows nothing so it doesn't have to actually do anything. The rep 's number goes straight to voice mail and appears to be set to " Do Not Disturb '' - great trick!! ( People use it when they want to snooze and their desk. Ha - they leave for the day, without doing any work all day! ) I need a resolution asap, please. Thank you.
I have a private student loan through Citizens Bank. The servicing of the student loan is through XXXX. The loan program has a auto debit incentive which reduces the interest rate. As this change in rate is not on the note or disclosure statement it is my understanding that they are required to show whether or not it is applied on my monthly statement or otherwise disclose if it is being applied to the current rate. XXXX contests this and has told me that they are not required to disclose this, that i need to manually calculate the rate monthly and check to see if this is applied. Am i correct that they are required to disclose this? If so can you point me to the particular regulation on point so i may pursue my grievance?
Debt collection just showed up on XXXX XXXX as a collection ... tried calling Collection number and only get voicemail to leave your name and number have not heard or received any corespondents
On XX/XX/2018 Suntrust Bank of XXXX Florida hired XXXX XXXX XXXX ( XXXX XXXX Mgr, XXXX at XXXX XXXX, XXXX, FL XXXX ) to repo my car from my driveway at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX   illegally. There is no lien on my newly purchased car. I paid XXXX cash from XXXX XXXX XXXX in XXXX XXXX, FL. I possess a new Florida Vehicle Title that shows clear. This was a bad repo and caused me extreme trouble and inconvenience as well as any forceful damages to my car that they will not release to me from the tow.
On XX/XX/2018 I received notification from Equifax credit bureau of a collection item being placed on my credit report. The collection item was from XXXX XXXX XXXX for XXXX being represented by XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I never received a notice from XXXX XXXX XXXX about this debt, and was not given 30 notice to dispute the validity of it. 

The information has not been verified, thus inaccurate, erroneous, non-verifiable when I called the collection agency, but it is being report on report. Equifax is reporting this inaccurate information on the status, account, date open and closed, amount, payment history etc.
I suffered a XXXX  XXXX in XX/XX/XXXX. My wife has been handling our families finances. In XX/XX/XXXX we began receiving debt collection notices that we had never known about. I suspected identity theft .i am unable to obtain credit report from transunion or XXXX. Im unable to answer security questions because they dont pertain to me. Please help
the credit reporting agency are not CONTACTING the creditors under the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ) The Following account below have incorrect HIGH BALANCE! ALL ACCOUNTS BELOW SHOULD REFLECT A {$0.00} ( XXXX ) HIGH BALANCE! 

1. XXXX XXXX XXXX # XXXX {$3300.00} 2. XXXX XXXX # XXXX {$680.00} 3.XXXX XXXX XXXX XXXX XXXX {$2500.00} 4.XXXX XXXX XXXX XXXX # XXXX {$4800.00} 5.XXXX XXXX # XXXX {$1000.00} 6.XXXX XXXX XXXX  # XXXX {$13000.00} 7.XXXX XXXX XXXX XXXX {$480.00} 8.XXXX XXXX # XXXX {$5000.00} 9.XXXX XXXX  # XXXX {$1000.00} 10.XXXX XXXX # XXXX {$41000.00} 11.XXXX XXXX # XXXX {$3600.00} 12. XXXX XXXX # XXXX {$1000.00} 13. XXXX XXXX XXXX # XXXX {$970.00} 14. XXXX XXXX # XXXX, This account was Opened XX/XX/XXXX Not XX/XX/XXXX Florida Federal Court -XXXX Docket # XXXX, The filing date of XX/XX/XXXX is incorrect! the correct filing date is XX/XX/XXXX
Every month for the last six months, XXXX XXXX XXXX continue to display inaccurate information onto my credit report at all tree Major Credit Reporting Agencies, intentionally. Enclosed is full complaint. Please read. 
Thank you ...
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of  15 U.S.C. 1681. Y ou are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.       XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX  , defines  XXXX  as,  1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 )  To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and  Verification as , Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the account  ( s  ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  XXXX  hand knowledge of the alleged accoun t ( s ) and all that has ever transpired for the alleged account ( s ), un der oath and under the penalty of perjury. As I am sure that you are well aware, curren t Federal case law states that, Consumer Reporting A gencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  1681 ( a ) ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Secti on 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.     The law is very clear as to th e Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law . I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.      XXXX   XXXX  #  XXXX  Unverified Account-No  XXXX   XXXX   XXXX  Bank #  XXXX  Unverified Account
XXXX XXXX ACCOUNT XXXX FROM WELLS FARGO WAS OPENED BY ME AHEAD OF MY MOVING TO TEMPORARILY LIVE WITH MY SISTER IN NORTH CAROLINA XXXX WELLS FARGO REQUESTED MY SOCIAL SECURITY CARD COPY FOUR TIMES, FIRST REQUESTING I FAX IT TO A NUMBER IN XXXX, THEN THREE ADDITIONAL TIMES TO A TOLL-FREE NUMBER. EVERY SINGLE TIME, THEY CLAIMED TO HAVE NOT RECEIVED IT. THE FINAL TIME, I FAXED IT FROM MY MOBILE PHONE USING XXXX AND SENT IT EIGHT TIMES TO ENSURE THEY RECEIVED IT. UPON RECEIVING THE CARD, I DISCOVERED IT WAS INACTIVE AND UNABLE TO BE USED. WHEN CALLING WELLS FARGO ON X/XX/2017 AT XXXX HRS AND THEN AGAIN AT XXXX HRS, THEY REFUSED TO CLOSE THE ACCOUNT UPON MY REQUEST. WELLS FARGO REPRESENTATIVES RESPONDED WITH " YOU HAVE TO SHOW YOUR ID AND FIVE FORMS OF ADDRESS VERIFICATION TO CLOSE THE ACCOUNT AT A WELLS FARGO BRANCH ''. AFTER INFORMING THE REPRESENTATIVE OF THE CARD ACT AND THAT THE LENDER ( WELLS FARGO ) IS OBLIGATED TO CLOSE THE ACCOUNT WHEN THE CUSTOMER REQUESTS IT, THEY REFUSED. I HAVE A WELL ESTABLISHED RECORD WITH XXXX, XXXX, XXXX XXXX AS WELL AS XXXX XXXX AND HAVE NEVER ENCOUNTERED PROBLEMS AS I AM ENCOUNTERING WITH WELLS FARGO.
With regard to Case number : XXXX United Bank locked up my account. 
Peoples United Bank returned only half my fundsPeoples United is still assessing their gratuitous feesMy XXXX does n't understand that this is just another reason XXXX. 
I am XXXX years old and I do not deserve to be treated like this.
On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding a account that they had in collections in the amount of {$790.00}. I spoke with a representative that stated that I had to send her boss an email stating a " Cease and Desist '' on the current complaint which I sent to XXXXXXXXXXXX. The representative stated that this would have to be done before I could pay to have the account settled, closed paid in full for the amount of {$400.00}. XXXX XXXX also promised/assured me that after I gave them my routing number and bank account number to process payment I would be sent a letter via email stating that the account was paid in full /settled I then provided my routing number and account number to my bank to process the payment. After waiting for most of the day I did not receive anything. I contacted XXXX XXXX but no response. XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding the same issue as I had not received the letter. I spoke to another representative who then spoke to her supervisor XXXX XXXX who e-mailed me rite away with a letter stating that if I did not pay the balance by XXXX XXXX, XXXX the payment agreement would be null and void. 
I have paid the full amount of the payment agreement, but on all 3 of my credit reports it is being reported with a balance of {$390.00}. There should not be a balance at all nor should it be being reported as open account. This account should be reported with a {$0.00} balance, settled, paid in full, closed on all 3 credit reports from Experian, XXXX, XXXX XXXX.
On XX/XX/XXXX 2017 Paypal Decided to put a permanent limit on my account and hold my balance of XXXX even though I was n't in complete violation of their policies, the false reason was because of a transaction of me selling a cream containing hydroquinone to someone in the XXXX when I called the rep and told them to review my account again and go over my transaction history because the claims are false and I already know that creams containing Hydroquinone is illegal without a prescription in the XXXX and XXXX . They refused to reason with me and still shut down my account and refused to let my access from funds to pay off my debts and creditors. 

After numerous calls, they continue to hold my funds. I decided to do my own investigating into the company and notice that in the state of Florida Paypal Holds a Money Transmitter License Type II which was issued to the company the statue that govern that License does not grant Paypal ( The License Holder ) To hold any funds from their customers longer the 10 days, After reading more into Paypals Holding a Balance Policy I notice that in event of the companies Bankruptcy their not obligated to make the funds available to their ''creditors '', I see this as abuse of power and their laws are very draconian to both consumers and business owners and slows down the economic growth of businesses especially small local business.
I received a letter from Quicken Loans requesting to refinance our home. In the information they stated exactly what I owed on our house. My complaint is they had to breach my privacy by at some point by searching my files to get this information. I contacted Quicken Loans and the first phone call I made to them they were uncerned about my problem. About a hour later a lady called from Quicken and apologized for the problem. I told her it was not about an apology it was about breaking the law by breaching my privacy. Then a little some man called stating he was from the executive branch of Quicken Loans and wanted to know what it would take to solve my problem. I told him I had some people working on the problem and they were to advise me in a few days. At this time the conversation ended. I believe Quicken Loans violated my privacy rights.
XXXX XXXX, XXXX I purchased a washer and dryer set and a king mattress set from Conn 's. The XXXX pymt was XXXX. For the first 11 months I made the pymts before the due date between the XXXX-XXXX of the month. XXXX XXXX, XXXX. I called to asked what is the pymt amount. This was a 12mos no finance deal so I was meticulous with my timely pymts. The agent told me and I gave them a check card number. The agent must of gotten a few numbers mixed because the monies was not taken from my acct. So I called back on the XXXX to find out why pymt was not taken and I had discovered the mistake on Conn 's end. So I gave the agent that day my card number again this time I had them to repeat the numbers back to me. I asked for a letter to be sent out that the matter was settle and I was told that I would receive this letter. XXXX an amount of {$2200.00} was withdrawn from my acct. However, I have never received a letter. My thoughts were ( I have my bank statements, confirmation numbers, and the original contract ) About XX/XX/XXXX I started getting calls from an unknown number. This number would call me every single day, holidays and weekends up to XXXX a day! XXXX XXXX I started keeping track of conversations with conn 's when I found out this is who was calling. I was shocked. I told them all that I said above the agent agreed that my acct should be closed and not sure why it is still open. I have these recording of my conversations with them. Which is about XXXX all recorded. The XXXX time I spoke with an agent they said that my acct was open for a {$25.00} late fee. I told them the above stated and not to call and harass me anymore. I have never received any correspondence from Conn 's until XX/XX/XXXX and if there is a spot to upload these letters I will. Last this company has reported me to the bureaus XXXX times and each time and the letters are MAJOR discrepancies. In less than 3 months and after I asked conn 's to stop harassing me they have called me a total of XXXX times! I have screenshots and recordings and all my records to support my claims. My thoughts besides that this company has shady business practices and behaves horribly is that they thought that they can extort monies out of me because this debt is over a year old and most people do n't have records. Newsflash and I am so proud to say that I have EVERY SINGLE DOCUMENT. LOL another thing Conn 's call from more than XXXX numbers also I 'm glad that my bank statements were too large to upload and the page froze. However you can see my log book where I keep acct of my bills note next to conn 's is the confirmation numbers.
The collection agency has contacted my place of employment several times pretending to represent a law firm. Due to the perceived urgency of the call, the front desk secretary transferred the calls and gave the agency my direct extension. I have verbally asked them not to contact me at my place of employment 3 times, however, they continue to call. I also sent a letter requesting the same.
On my Transunion credit report there are two hard inquires from XXXX. One inquiry is dated XX/XX/2017 while the other is dated XX/XX/2017. Both are being shown on my credit report when I applied for a home mortgage both times. Since both inquires were for a home mortgage during a two day time frame, shouldn't my credit report reflect only one inquiry?
On XX/XX/XXXX, I purchased 4 tires at XXXX XXXX located at XXXX XXXX  XXXX XXXX, NC XXXX and used my Synchrony Bank Credit card to take advantage of XXXX XXXX zero / differed interest if balance is paid in full within 6 months. My balance {$600.00}. 

I made early and consistent payments : My first bill was not due until XX/XX/XXXX. 
My original purchase of {$600.00} on XX/XX/XXXX. I paid : {$130.00} paid on XX/XX/XXXX and they debited my bank account on XX/XX/XXXX {$130.00} paid on XX/XX/XXXX and they debited my bank account on XX/XX/XXXX and charged me a late fee. 
{$130.00} paid on XX/XX/XXXX and they debited my bank account on XX/XX/XXXX and charged me a late fee. 
When I noticed my paper statement showed late charges. I called Synchrony Bank at XXXX on XX/XX/XXXX and the representative said I could not pay early but did refund back to me the late charges but they did notify the credit bureaus of late payments ( I have an 800 plus credit score ) and was never late but in fact early and they did not offer to correct or retract those comments to the credit reporting bureaus.
In XX/XX/XXXX, my business was a victim of fraud at the hands of BofA. An unknown person contacted BofA and requested a change to my account. What BofA agreed to do, without my consent, was transfer all receipts from my merchant account to an unknown XXXX XXXX account. At the same time, the fraudster also gained access to my merchant ID and established an offsite terminal. Then, with XXXX stolen cc, they processed charges in excess of XXXX, which appeared to originate from my office, yet went directly into the XXXX XXXX account. I believe that this event was an inside job because my security practices are consistent ; filing cabinets are always locked, sensitive information is always shredded and I never share banking details. Further, there was no break-in at my office. After considerable frustration and many calls to BofA, they eventually restored my losses, in excess of XXXX US. Jump forward to XX/XX/XXXX and I receive a Chargeback letter from Merchant Services for {$6700.00} and the disputed transaction occurred on XX/XX/XXXX ( at the same time when the fraud began ). Unfortunately, the unidentified XXXX consumer reported this as an unknown charge, and of course, I do not know who the person is, where they live, nor do I have any accounting record or receipt of the {$6700.00}. Basically, BofA 's security and forensics failed and they are attempting to extort their losses from my business. The chargeback notice was received on the same day as the deadline to respond, which is also unethical and creates needless anxiety and frustration for me, a long-term customer of this bank. To add insult to injury, I have spent three days trying to reach the Fraud managers who helped me with this claim a year ago. They have not returned XXXX of my calls. I have left messages with XXXX XXXX ( XXXX ) and her supervisor, XXXX ( XXXX ). I 've also attempted to get resolution with my local branch and many XXXX numbers, being kicked like a can down the road 8 times with various people and departments. All claiming that I need to talk with someone else. I still do n't know who or what department to contact. I am not responsible for BofA 's failure to secure my business account. They hold the " keys '' and allegedly let a stranger fool them with my account. Had they simply called me or sent me an alert, like they do when I fill up for gasoline at a non-typical place, this could have been better controlled.
They have already called 5 times today and once at XXXX ( which is out of the time limit warranted ). It becomes very frustrating and I 'm not able to answer when I 'm at work, yet they continue to call during those hours.
I have been doing business with Citi Bank since XX/XX/XXXX when I first opened my credit card account with them with a {$300.00} limit. I have paid my bill on time and have never had any negative infractions while doing business with Citi Bank, account has been in good standings with the company. So I always receive pre-approved credit increase packets in the mail, but every time i apply i'm always turned down for the increase. So i received another pre-approved credit limit increase packet in the mail in XX/XX/XXXX and applied once again only to be turned down. So XX/XX/XXXX I call and speak with someone in the reconsideration phone line at Citi Bank and was told that they found and i have negative items on my credit reports. So me and my son ( which does credit repair ) pulls my credit reports and I do not have any negative items whatsoever on my report. Every item on all 3 of my credit reports are in outstanding status. I have no collections, late payments, bankruptcies, or not one single negative mark on my credit and I have proof that it has been like this for months. I have very high limit cards with my credit union and several other credit card companies. My vehicle loan is in outstanding shape and I have low APR. We are at a loss of words of to why the company I have been doing business with the longest keep generating these fraudulent packets that's being mailed to my address and every time i apply i'm turned down. They can not be looking at my current credit reports cause I have copies and proof in hand. I would like this matter looked into by someone and reconsidered. Because I feel this card is useless to me
I attended a now closed for profit school, XXXX XXXX XXXX XXXX, in XX/XX/XXXX. A few months after completing the program my student loan payments kicked in, the one from XXXX being nearly {$400.00} a month. In XX/XX/XXXX my ex-wife and I moved from XXXX to XXXX, and I struggled to find work. She found work fairly quickly, but for far less money. The bills became a burden, so I reached out to my student loan servicers, XXXX XXXX and XXXX XXXX. XXXX XXXX have been very fair with me, first putting me into a plan with no payments until I found work, and then a graduated payment plan which kept the payments very reasonable. XXXX was a completely different story. They told me the only option for my " Smart Option '' loan was Forbearance, and when that ran out, they told me there were no other options available except to continue making regular payments. I found out how long it took for an account to go into Default, told them that 's what I was going to do, and proceeded to stop making payments to them until a month before the account went into Default, because I felt like I had no other choice. This, of course, destroyed my credit, but allowed me to survive from one day to the next. When I finally did contact XXXX again about payments, they were very eager to work with me for payments, naturally, and placed me on a plan for {$93.00} a month, automatically withdrawn from my account. After the first year I received my tax statement and realized that of the {$1100.00} I paid the previous year, only {$17.00} went towards the principal. They have sense jacked my interest rate back up to 10.375 %, and unfortunately while my credit score has improved, I have been denied every consolidation loan I have applied for.
I have several negatives reporting on my credit and are not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XXXX/XXXX/XXXX I learned about the Equifax cybersecurity breach. I visited their website at XXXX to check if my personal data was involved. After entering my information I received the following message, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am not aware of any new fraud or changes to my credit report at this time but am incredibly concerned about the exposure of my personal financial data possibly including my name, Social Security number, birth date, addresses and drivers license number and/or credit card numbers.