WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo Checking Debit Card Replacements : XXXX - Present + Since XXXX every replacement ATM/Debit Cards were left as open/active accounts even though they were replacements and the accounts closed once the new card was activated + I believe employees were ordering new cards on new accounts and not replacements debit cards + I believe this is the same Issue that XXXX is prosecuting Wells Fargo Bank for currently + I have not contacted a Lawyer, another agency nor have I taken any other actions as I just discovered on Friday XX/XX/XXXX + I would like to be included in the case and settlement against Wells Fargo XXXX open a new case if this merits doing so + The bank claims that their " system '' can not determine who opened these cards nor can their " system '' identify why individuals were allowed to bypass their own XXXX & XXXX protocols that are federally mandated + Their solution was to close all accounts and cards and resend a new Debit card and I said that I needed to take action against them before I would authorize that
In a recent ( XXXX 2015 ) check of my credit report I discovered a derogatory listing from Portfolio Recovery Associates. This listing was been made with no notification to me and I did not receive my right to dispute. As I am unaware of any outstanding debts to Portfolio Recovery Associates, On or about XXXX XXXX, 2015 I made a written request for Debt Validation via XXXX Certified Mail # XXXX. I did not allege fraud or identity theft concerning this account. I was simply aware of any outstanding debt to this company. I have copies of this letter and proof of its delivery on XXXX/XXXX/2015 signed by XXXX XXXX. I received a response dated XXXX/XXXX/2015 stating if I wished to dispute the account to respond with a written request. 

Despite having already notified PRA of my dispute and request for debt validation I responded to the correspondence sending yet a XXXX Debt Validation request to PRA via XXXX Certified Mail # XXXX. I have copies of this letter and its proof of delivery signed for by XXXX XXXX also. In this correspondence I requested any documentation that there was a valid basis for claiming that I owe the alleged debt or a copy of a the last billing statement bearing my name sent to me by the original creditor. I also requested a basic explanation of how the alleged debt amount was calculated. 

PRA failed to cease all collection efforts until the full and complete validation was sent. On XXXX XXXX, 2015 a balance of {$3800.00} was reported which constitutes continued collection practices. Additionally at the time of my XXXX request the account still had not been marked " in dispute '' with the XXXX Credit Reporting Agencies. This was communicated to PRA in my XXXX request. 

In XXXX 2015 I made a final formal request that PRA provide me with debt validation of this alleged debt account within 15 days. I also asked that If they were unable to do so for them to delete the harmful item from my credit files. I sent this letter via XXXX mail ( Certified # XXXX ). 

PRA has failed to provide proper information regarding the debt. I am not aware of this debt and I would simply like proper information pertaining to it or to have it removed from my credit file.
In connection with regards to the above mention capture, a contract agreement was enter and agreed upon on into ( XX/XX/XXXX ) date, for the sale of this property in the amount of ( {$180000.00} ) due the appraisal value coming in {$2000.00} more I believe the sales price was increase and an amendment to the contract of sale was done in which I never signed, nor did I agree to pay the revised sales price. 
As a result of this my loan with FBC Mortgage was suspended for the following issues, having less a two employment history, in which I provide supporting documentation for supporting I had a two year  work history. ( I was hurt on the job and was out on workmen compensation ) and the owner 's wife who is the bookkeeper put the incorrect dates on my verification of employment. 

The other was my debt to income ratio but I am really not sure why this was an issue as I could have paid off and closed any debt to reduce my ratios. ( Our income is {$5100.00} and our proposed housing payment would have been {$1300.00} making our front ratio 27 ). 

My credit has been ran multiple times and the report was n't even 120 days old. Why was my credit ran after the application ( XX/XX/XXXX )? 

This is very disturbing, my wife and I are very disappointed in how are our mortgage was mishandled, misled, Totally lack of communication at times with the loan orginator XXXX XXXX, professionalism and respect. I thought FBC Mortgage was a reputable organization referred through XXXX XXXX as we were looking forward to being homeowners. 

What FBC Mortgage did was not right and if I could get my message across to help someone else who may have experienced what I went through it could mean a lot. Everyone deserves a fair opportunity to become homeowners.
On my credit report it shows a auto installment loan 30 days delinquent - closed {$0.00} amount due. This information is located under my accounts as a Poor. This vehicle was a XXXX XXXX financed with Wells Fargo. The vehicle was XXXX, but is still on my credit report. I called XXXX spoke with a gentleman who transferred me to XXXX, spoke with a lady who transferred me back to the XXXX number. All I 'm getting is the run around and NO help. When I asked to speak with someone that could help me, she informed me there was no one available, but once I mentioned turning this issue over to the Attorney Generals office she wanted to transfer me to the President of Wells Fargo. 

I appreciate your help in looking into this problem, personal information listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX Unfortunately, we have a XXXX XXXX XXXX financed through Wells Fargo at this time. But it is not the vehicle I 'm making this report on.
I took 3 classes online at XXXX XXXX online school. The are saying my student loan debt is over 10,000.00 dollars. I  have no idea where the money went but i do n't believe i owe XXXX XXXX for 3 classes i tried contacting XXXX XXXX and get no answer I can not get into fasa. This is ruing my credit report. Please help me.
I started receiving alerts on my Transunion credit report and noticed that there were inquiries that I do not recognize. As I researched the inquiries I noticed that they are from banks for auto loans. I already have a car that 's paid for, so there 's no reason for me to apply for auto loans. I ask that this issue be investigated. If you find that these inquiries do not belong to me, I DEMAND that you delete them immediately. If these inquiries come back verified then I DEMAND PROOF of verification because I never authorized these inquiries. The inquiries needed to be removed are : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
I called XXXX Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a XXXX XXXX on my Equifax credit file without my authorization, they could n't help me.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$150.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
The Collection agencies did not give me a paid in full paper work ; they were acting in good faith on behalf of XXXX XXXX XXXX XXXX XXXX XXXX ; They did not keep calling or writing but the debt was not removed from my credit record ; They single handedly use this one negative report for too many points for to long of time. They claimed no revolving credit or too few revolving account paid on time foe years now. They did not think of Pay Day loan companies was building credit ; they kept listing a Bankruptcy that was Dismissed in 2009 was still used unto this day? They sighted 1 late mortgage account in more than 2 two years was a good reason to deny credit? The Checking account for XXXX was closed and reopened after XXXX did not respond in time with documents used as a attempt to pay -- XXXX XXXX. They added a new never heard of before Collection agency for {$240.00}. XXXX XXXX XXXX 1 call and 1 letter? Contacted XXXX XXXX XXXX of Credit Union Department and fell on deft ears after last payments made. They upheld the XXXX demand for " debt will ; not be released until they could wipe down the inner loins for the innermost place of the port for purging waste was paid ''?
Greetings, I am writing to complain about Chase Bank continuing to proce ss Amazon.com Visa signature  credit card applications and continues to make hard credit inquiries (  XXXX   XXXX ,  XXXX  ).   I DID NOT AUTHORIZE THIS APPLICATION, VERIFY INFORMATION OR A REQUEST FOR A HARD CREDIT INQUIRY.     Chase bank has also failed to remove hard credit checks to my credit report, as per their written statements to CFPB Case number :  XXXX  dated  XXXX  " C hase Bank USA, N.A. s aid : We mailed you the enclosed letter dated  XXXX   XXXX ,  XXXX , advising you the previous applications were marked as " Fraudulent. '' The most recent application was submitted on  XXXX   XXXX ,  XXXX , using information that verified to you. The application was not immediately approved and we sent the letter dated  XXXX   XXXX ,  XXXX , to verify if the application was submitted by you. You notified us the application was not submitted by you on  XXXX   XXXX ,  XXXX . We 've marked the application as " Fraudulent. '' We have again asked the credit-reporting agencies to remove the credit inquiry from your credit report. Allow sufficient time for the updates, and then request a new copy of your credit report. ".      One would have thought after numerous phone calls, letters, and two  formal complaints to the CFPB, Chase Bank would have figured out I do n't want their credit card.   CFPB case #  XXXX  CFPB case #  XXXX  One would be wrong.     To resolve this matter, Chase Bank needs to :   1. Provide written proof I applied for the credit card.
2. Mark the credit card application as fraudulent.
3. Remove ALL hard credit inquires from my credit report, as per their written statement to the CFPB.
4. Explain in writing why on Earth   Chase Bank would continue to even consider approving a credit card application or make hard credit checks after two formal complaint to CFPB.
LexisNexis has not taken the necessary steps to correct information given to XXXX XXXX about an accident I was involved in on XX/XX/XXXX. The report has it listed as an At Fault Accident although it was not. The accident report taken by the police states that the other driver admitted he swerved in front of me causing me to hit his vehicle. Also, the claims representative that handled the claim agreed that it was NOT an At Fault accident yet, LexisNexis, XXXX, etc. has it listed as such. Again with another accident on XX/XX/XXXX, which was weather related, is also listed as an At Fault accident. My insurance quotes and rates have been ridiculously expensive averaging around $ 400/mo. because this issue has not been corrected or resolved.
On XX/XX/2019, I saw an ad for Emollient moisturizer on XXXX that claimed a risk free use of the product if you paid the shipping fee only of {$4.00}. It was endorsed by the XXXX XXXX XXXX show personality. It said that it would show on my bank statement as XXXX XXXX as the vendor name. So I paid the shipping fee of {$4.00} and also paid for the Emollient eye cream for the same deal as the moisturizer at {$4.00} shipping fee. However, when I checked out there was a {$1.00} charge for recycling fee added to the shipping fee for the moisturizer which when I received the moisturizer it didn't even come in a box. I haven't even used the products yet because I'm waiting for my current moisturizer and eye cream to run out. So fast forward to XX/XX/2019, I look at my bank account on line and find that there is a pending charge for {$79.00} from XXXX XXXX. So I call the phone number that is on my bank statement ( XXXX ) and speak to a customer service representative that says in the fine print at the very bottom that I had 14 days to cancel my subscription for the product and get a refund for the two products that I ordered. I asked if I could return them since I had not used them yet and he informed me that it would be a restocking fee so well as two week process time and another {$10.00} for a shipping fee. I told him I had no idea that you had to cancel within 14 days not to be charged. I thought risk free meant just that -- risk free. In my research to find the website on the internet and XXXX I have found out that this is widely known scam on XXXX and that there are warnings from bloggers not to fall or buy from these sites. I would like a full refund of the {$79.00} plus the two {$4.00} charges for shipping and the {$1.00} recycling charge and I will gladly send the products back at my own cost at the address the seller provides. Thank you!
In the process for applying for a mortgage loan, USAA pre-filled items in the loan disclosure packet that were factually inaccurate and material to the process. After four ( 4 ) requests to update the information, they simply said they would take care of it, but the debt to loan ratio they quoted when denying the mortgage loan means they did not actually update the packet with accurate information. 
Furthermore, when they called stating that the loan was denied, I asked what information the underwriter used ( because the ratio they quoted was not possible under multiple scenarios ). They refused to respond and simply said that there was an appeals process, but appeals " always get denied anyway. '' Following the call, I logged-in to our USAA account and noticed they had already deleted all application information. 
I reached out to the loan processors ' management team, who stated they would look into it and get back to me within 1 business day. Two ( 2 ) weeks later, I contacted them again, and a third time a few days later, but have received no response to date. 
It is clear that USAA 's processes and lack of communication allowed factually inaccurate information to go to the underwriter, and their team did not allow for any further communication.
This is my 3rd complaint against Wells Fargo. I am trying to refinance my loan in a condo building in XXXX XXXX, Florida. I currently have my mortgage with WF and have for the last 10 or so years. All I need is a rate reduction and have been trying to do so for the last 8 months only to get the run around. They are saying the collateral is insufficient per investor guidelines, interpretating this they are saying the density exceeds allowed local/state requirements. I received a letter from the city of XXXX XXXX, I am attaching the letter, it states " Should the damage or voluntary removal of a portion of the structure not meet the aforementioned thresholds the structure may be rebuilt subject to the originally approved site plan ''. Wells Fargo is misinterpreting the letter and denying the refi. This is not a new purchase but a refi through the HARP program. They are also using the investor '' XXXX XXXX '' as the bad guy and XXXX XXXX has only said it is the servicer to make that decision. The condo association has ample insurance for the exterior and common areas, as well as I have ample insurance for the interior if and fact such a disaster should happen. Wells Fargo 's position is so Ludacris that if such a disaster occurred and if the city used new guidelines not the originally approved plans only a select number would be able to rebuild and the rest would be out of luck, I DO NOT THINK SO. It makes ZERO sense and the city did extensive research and concluded it can be built to the original approved plan. My other complaint with WF and they are COMPLETELY evasive with answering this, they refinanced another unit in the building in XXXX. Florida has every record that is recorded online and is public knowledge. All you have to do is go to XXXX County Property Appraiser '' Copies of recorded deeds and mortgages related to XXXX properties are available online at the XXXX County Records Division website. You may search for deeds, mortgages, liens, release of liens, court judgments, condo declarations, and various other recorded documents on their website ''. This is public information, Wells Fargo when I asked the specialist last time said " it has nothing to do with me ''. It has everything to do with me. We have the same address, same HOA just live in different units. Again, I am being discriminated against, a refinance with resolve this issue. Why is this so difficult?? My current rate is 6.75 % and it seems obvious that WF is cashing in on the interest and has made no effort to help me. The HARP program is suppose to help people, not hurt them
I was contacted by NES and told I owe {$120000.00}. I agreed to settle the debt for {$22000.00}. This means they are forgiving {$120000.00}. I paid the agreed upon settlement. However, NES will not confirm my payment and that the debt is now settled. Nor will they send me a copy, as requested of my original promissory notes so that I can verify this debt.
My student loans of over {$90000.00} were automatically transferred over to XXXX when I applied for PSLF on XX/XX/XXXX, and I have had nothing but trouble since then in dealing with this company. Because of the timing of when the loan got switched, they did not have a record that I had made a payment for XX/XX/XXXX. My income-based payment plan also did not transfer over, so not only did I suddenly have a late payment on file, I also now owed the standard repayment amount of over {$1000.00}. They then incorrectly calculated my income-based payment number. When I alerted them of this, I was told that they'd put my account in a courtesy forbearance for two months ( during which time I was not able to make eligible payments on my loans towards PSLF ). After several more phone calls, I finally confirmed that they'd applied the missing payment correctly and that I was now paying the correct amount ( I think this was sometime in XX/XX/XXXX ), but also noticed that they had still not accurately counted the number of eligible payments towards PSLF that I had made. 

I have called following up on this numerous times, and each time am told a different thing. In XX/XX/XXXX, I was told that the count was wrong because I had a " paid ahead '' status on my account for a monthly payment that had reset my count. I was told that that would be resolved. 

Today, XX/XX/XXXX ( SIX MONTHS LATER ) the representative told me that yes he saw that I was waiting on the updated and accurate count, and that they have been aware of the issue since at least XX/XX/XXXX ( NEARLY A YEAR ), but that he could give me no indication of when it would be processed except for, " it will happen. '' I asked to speak to a supervisor and he told me there was no one who could expedite the process for me. 

I have a little over 4 more years left on my loans, but am truly worried that XXXX will not have an accurate count ready when it comes time for me to apply for forgiveness. I feel that I have no recourse in dealing with this situation since XXXX is the exclusive servicer for PSLF and that XXXX can do whatever they want on whatever timetable they want. Waiting a year to get an ACCURATE count of eligible payments ( to date I have made 68, the calculation of which took me about XXXX minutes from downloading my payment history from XXXX, my former servicer, and XXXX ) is simply ridiculous. Please help!
After signing up for just internet service ( high speed home service ), at the rate of {$40.00} per month. I signed up with the guarantee that if not satisfied with the service that I could cancel the service. After attempting to resolve the added on charges, which exceed the {$40.00} contractual signed documents. I was then sent a {$130.00} and {$160.00} bill for which the service was misrepresented. The services I received were extremely slow and charges were not what was agreed upon. So in contacting XXXX  and speaking to the customer service representatives and not coming to any conclusion. XXXX decided to send my account information to collections, resulting in damaging my credit standing.
They proceeded to put this debt twice on all of my credit reports. The original amount is {$940.00} and now it is showing {$1800.00} which is double the amount.
I applied XXXX times online to Santander Bank for a checking account. 
The first I applied on XX/XX/2017, and received an email on XX/XX/XXXX telling me that I was declined for an account. 
" We were unable to verify your identity or other personal information at this time. '' I could not find out the problem, but was told I could re-apply. 

I did so on XX/XX/2017, and was declined on XX/XX/2017 by email stating the exact same sentence as the reason. 

I tried a 3rd time on XX/XX/2017, and never even received an email from them. 
I called in on XX/XX/XXXX and was told I was declined. 

I have never received a letter from them, letting me know what credit agency they are using for information. 
This is a violation of the FCRA - Fair_Credit_Reporting_Act. 
If they wo n't tell me which credit reporting agency they use, I can not find out what erroneous or lacking information is being or not being provided.