WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying since   XXXX   to get  Wells Fargo to s top sending copies of my monthly checking account statement to the  XXXX   XXXX  where my mother lived. She died in   XXXX  . Despite numerous attempts since   XXXX  ,  Wells Fargo  continues to send the statements to the  XXXX   XXXX  and they forward it to me and return it to the post office. I do not want my account details released to the public in that way. It is a violation of my privacy and can cause identity theft or other fraud. On  XXXX   XXXX , I wrote to  XXXX   XXXX  at  Wells Fargo h eadquarters about this problem and got no response. I also wrote to  XXXX   XXXX . On  XXXX   XXXX , I wrote to  Wells Fargo off icial  XXXX   XXXX  and received no response. Today on  XXXX   XXXX , I received the  XXXX  statement addressed to my deceased mother as POA.
XXXX XXXX XXXX XXXX has an paid off collection account showing on my XXXX Credit report and this item has been previously paid off by my Doctors office. The item should have never been put into collections originally due to financial assistance programs I am on through the state. I myself have sent the paid invoices to XXXX XXXX XXXX and they agreed to remove the information from my credit reports with other bureaus, ( XXXX, XXXX  ) but the only report that still shows any collections owed months later are on my XXXX  credit report for 2 separate bills of {$110.00}. {$220.00} total! I really just want these 2 bills to be removed from ALL of my credit reports once since they have been PAID IN FULL!
My current loan to value ( LTV ) ratio of my mortgage is " at or below 80 % '' according to my bank. The equity that I have paid into my mortgage is about 22 % now. However, my bank wo n't cancel my private mortgage insurance ( PMI ). I 've never had a late payment in the almost XXXX years that I have had this mortgage. This costs me {$140.00} per month.
The XXXX credit report agencies released and provided to XXXX different companies my credit information without my seeking to have credit extended to me. This happen XXXX XXXX 2014 and XXXX XXXX 2014 by the companies being, XXXX XXXX XXXX, and XXXX XXXX. The impermissible pull is negligence under Federal Law 1681 under FCRA ( sec 604 ( A ) ( 3 ), and Damages under FDCPA. I had gone to both these dealerships as co-signer and on loan already approved by XXXX, for XXXX XXXX my partner, the approval ID XXXX on date XXXX2014. the dealership never indicated they would seek financing other than that we went in with from XXXX XXXX They obtain my social security indicating they would contact XXXX and see if they could " increase '' the amount with me as co signer because they " Dealership '' F & I department manager said XXXX would not qualify receiving social security income because no way to re coop loan if it defaulted because XXXX receives State payment subsidy and social security and creditor would n't be able to garnished. At no time was authorization signed to allow a credit pull or to seek other financing, nor was there any disclosure as required under law as to sharing of consumer information
On XXXX XXXX, 2015 around XXXX, I went to the bank CHASE with branch in XXXX XXXX XXXX NJ, with my daughter to deposit {$200.00} dollars in cash. The bills I deposited were XXXX XXXX XXXX {$100.00} bills -each. After I deposited the money, the ATM machine malfunction and told me it was having technical difficulties, and it printed a receipt saying " that the ATM was having technical difficulties ''. After we stayed outside of the bank for XXXX minutes wishing that the money will come out, it never did and that 's when I called the claims department and they told me that this was going to take about 10 days for them to investigate the irregularity. I provided them with my email address and mailing address to receive news about my money, which I did n't receive any notification, until I called after the 10 days on XXXX XXXX, 2015. The customer service representative that I called informed me that there was nothing I could do since the claim was already closed and the investigation concluded that no money was found in the ATM. I tried opening a XXXX claim to find out what happened to the money I deposited in the ATM, but the Chase customer service representative did not allow me to, saying that there was nothing I could do anymore. I then went back to the XXXX XXXX CHASE branch on XXXX XXXX, 2015, to speak with the branch manager about my situation but he was not there, so I came back on XXXX 2015 to speak with him with the help of my daughter who was with me on the day I deposited the money and my son. The branch manager told me that he was going to follow procedure but most likely the result would be the same that my money would not be found. 
I did mentioned that it came to my attention thanks to a CHASE bank taller that the ATM machine I used on that day malfunctions constantly and the bank has not done anything to replace such machine. I am very upset that in order for CHASE to check security surveillance and other possible ways of find out the truth, they refuse to use those ways. I am hopeless to get my money as I live paycheck by paycheck and I have bills to pay, I lost XXXX XXXX dollars and CHASE is responsible.
In XX/XX/XXXX I applied for schooling thru university of XXXX. I did n't know where to go or where to start. I was a single mom of XXXX working a job making {$7.00} an hr. The reps from enrollement told me I could get grants and not have to pay for schooling due to my income, they also told me I could do my general schooling online the transfer to a local school to finish my XXXX degree. They lied about everything. The schooling was a joke and they took out money for federal loans saying that it was grant money. I only attended from XX/XX/XXXX to XX/XX/XXXX. They took out additional moneys and lied every step of the way. I could n't use any of my credits or schooling to transfer to XXXX XXXX or even XXXX the XXXX college locally. I was frauded by university of XXXX due to me being a single uneducated mother and people who I thought were giving me guideance were only steering me in financial destruction. I have never been able to make payments to the loans from XX/XX/XXXX/XX/XX/XXXX and now it looks like there are more loans and looks like they are new even after all these years. I have tried disputing and just do n't know where to go on this any more. University of XXXX scammed me.
Midwest recovery systems has placed a fraudulent collection claim on my credit report for a supposed loan which I did n't not received .I want this removed!
I had gotten into a major financial setback and was having trouble making payments to Navient for my private student loan due to my husband experiencing XXXX and awaiting a XXXX. On XX/XX/2017, I finally went into a repayment plan with Navient. It was my " last chance '' and the agreement was that as long as I paid {$50.00} to start the program, and got my monthly payment automatically deducted each XXXX of the month, then my private student loan WOULD NOT BE CHARGED off. I paid the {$50.00}, then had my first payment deducted XX/XX/2017. XX/XX/2017, I received a phone call from their charge off department, stating that my loan was charged off and I now needed a charge off plan. I explained my plan, and after a long hold time I was told I was correct and that I was not in charge off. On XX/XX/2017 I pulled my credit reports and it shows that Navient charged off my private loans. XX/XX/2017, today they took out their monthly payment again. I reached out to their consumer advocate group about my issues, and they called me at XXXX today and let me know that I was not in charge off, but that my credit report would not be updated until I had paid this payment plan for 3 months. I let her know this was not our agreement but let it go. I received a call at XXXX and XXXX from an automated system from Navient instructing me to call because I have " options. '' I received another call at XXXX from their charge off department. I tried explaining my situation to the rep-how I was no in charge off, that I had just spoken to someone today about it, etc, but she was very rude and condescending and told that it was incorrect and that I was in charge off! 
I am very frustrated with this company. They had me go into a payment plan that I set up for direct debit each month so I could avoid charge off and they still reported me charged off to the credit bureaus. They also refuse to remove this information despite our agreement. I can understand reporting me past due, because that is accurate, but not as charged off. If this was going to be the case, I would not have entered into the payment agreement since they were going to report me charged off anyway. Not only are they reporting me charged off to all the bureaus, but they also within their own system have me as charged off, resulting in threatening calls more than 3 times a day. I am paying per their terms and this is unacceptable. I am tired of feeling harassed, threatened, and humiliated by their representatives, I am a paying customer and do not deserve this. I also have been working very hard these past months to rebuild my credit and they destroyed it with their negative reporting. Please do something about this company and their terrible practices!
I went chapter XXXX bankruptcy and was fully discharged in 2014. I monitor my credit reports weekly and I notice that XXXX who was included in the Bankruptcy continues to contact the reporting agency 's each month reminding them that I was Bankrupt in 2014. It causes a red flag as my credit card recently alerted me when applying for credit. XXXX is the only creditor who does this and I believe they are allowed to continue to remind the agency 's since the case was discharged fully in XXXX 2014. I will attach a copy taken from my Transunion Credit Report.
Following account ( s ) are reporting incorrectly an must be removed immediately : Derogatory mark - XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX, Closed : XX/XX/XXXX I would like to be provided proof I consented to these accounts Via FCRA section 609 and 605 as well as the accuracy of these account via FCRA section 623. If you have no proof immediately of any or one, I would like them removed immediately. Thank You
I have a judgement listed on my credit report however I have never had an account with Ally I have disputed this several times and requested copies of signed contracts and I 'm getting no response Judgment COURT NUMBER XXXX CASE NUMBER XXXX DATE FILED XXXX XXXX, 2015 STATUS DATE PAID AMOUNT {$12000.00} PLAINTIFF Ally Financial Inc ACCOUNT HOLDER Individual CATEGORY Legal Item
Billed for $ XXXX but upon request received verification for only {$82.00}.
I had a company business card until XXXX 2015 when we mergered with another company. The new company I work for does not use company credit cards thus I have to use my own credit card for business expenses. I had made a {$2000.00} payment on my CITI Corp account to free up some credit line for my pending business trip on XXXX XXXX 2015. Payment was credited and I went to pick up my car rental when I was informed that the card would not accept the charges. I called CITI Corp and they advised me that they credited my account for the payment received and had also reduced my credit limit at the same time. I had not been advised prior to this that my credit limit was being reduced. I requested the payment to be refunded to me which they did less payment due for XXXX. Ever since then my statement shows that amount CITI corp refunded as the minimum payment due which I will not pay. I pay an amount similar to what I have paided in the past only to get phone calls stating I need to speak to someone concerning my account. When I do they tell me I still owe more as the minimum amount due for the month.
XXXX XXXX XXXX XXXX is being reported on my credit reports with Transunion as duplicate. I have tried to correct this with the XXXX County Records and with the Credit Reporting Agency multiple times. XXXX  XXXX has sent me copies of their records which list the account only once and an address never associated with my credit history or personal information, and I have forwarded these onto Transunion. Transunion has failed multiple times to correct this error. The two variations on my Transunion report show a discrepancy in the docket number ( one shows letter and numbers, the second shows only numbers ) but they continue to report the public record as two seperate public records. I have asked them to confirm that the record includes all identifying information, but Transunion has failed to provide me with validation. This seems an obvious error but one that also seems a challenge to correct.
My daughter graduated from college in XX/XX/2018 and XXXX claiming to be from Premier student loan center called offering student loan forgiveness assistance. The phone # she called from was XXXX and her voice mail gave a different name, XXXX. XXXX requested my daughter and I pay XXXX for the next 6 mons each and then after six months I would pay XXXX a mon and my daughter would pay XXXX a mon saving us XXXX in student loans and interest. We believe this offer was legit and she used scare tactics urging us to accept the offer now because XXXX is trying to shut down this program and I will have to pay XXXX a month and my daughter would pay XXXX a month plus XXXX in interest. My daughter provided her bank card info to hold the offer and I gave her our FSFSA confirmation #, so now they have access to all our info SSI #, DOB, tax  information and etc. She took the XXXX when they promised to wait on us to give authorization. They preyed our vunerability.
On XX/XX/XXXX I, ( XXXX XXXX ) mailed a check for {$3000.00} to Citibank to pay off loan # XXXX in the name of XXXX XXXX. On XX/XX/XXXX, I noticed that an ACH had been processed through XXXX XXXX XXXX. I wasn't sure what that was but I had only written one check from that account so I called Citibank and they advised that they had not received a payment in that amount, so I called XXXX XXXX and they advised that the ACH was from XXXX XXXX and that it had gone to Citibank. At this point, the struggle really begins when Citibank customer service can not locate this information and does very little to help us locate this. XXXX XXXX  then proceeds to help us find the Trace Identification # XXXX. Citibank continued to deny having the check while they continued to tell us to get them a copy of the check. Now because XXXX was issued an ACH they didn't have a copy of the check ( what they said ). So, at this point even though they have a trace ID number Citibank still can not find these funds. XXXX continues helping us and eventually gets ahold of the Federal Reserve and gets a Federal Reserve ID # XXXX. We get ahold of Citibank again and they advise that they can not do anything for us with these pieces of information. At this point we are feeling very lost in this situation. This behavior from a financial institution is shameful. XXXX bank kindly continued to assist us in this matter by getting their ACH department involved to attempt contact with Citibank. XXXX XXXX was able to get a copy of the cleared check clearly showing that the funds were cashed by Citibank and never credited towards our account. Citibank advised XXXX bank that they had the funds and would credit the account. We still have not received the credit for the {$3000.00}. 
The account the checks was written off of was mine. XXXX XXXX XXXX out of my XXXX XXXX   checking account. 
The account that the check was to pay off was a personal loan. XXXX XXXX XXXX, loan # XXXX. 

We have faxed Citibank the information they requested, as you will see in their letter to us and we still have not received the credit to the loan. 

I am shocked and numb that a large institution like this can do this to their customer even, all the while providing them with the information that it takes to trace money. 

Additionally, I can see where the mistake was in processing. I have attached a picture of a {$6000.00} payment that we made prior and can see the back processed nearly EXACT to the {$3000.00} final payment EXCEPT directly below the words FOR DEPOSIT ONLY there are these digits XXXX next to those is the full account number. That {$6000.00} reached that account perfectly. The one for the  {$3000.00} has all this information EXCEPT for next to the digits XXXX are XXXX SO this means that the account number WAS NOT input leaving these funds in limbo and Citibank not caring how much distress they put on their customers. 

Once these funds are posted we will end up with a credit because as good consumers we PAY our debts, so now we are at the mercy of Citibank refunding our money.
On XX/XX/XXXX I opened a bank account at bank of America on XXXX XXXX XXXX XXXX XXXX XXXX XXXX California . The Banker seemed friendly I told him my reasons for opening the account was because I had written a book and wanted to accept payments from XXXX XXXX. I was also expecting a check from a car accident. The Insurance check came and I deposited into the ATM. I was later contacted and told there was fraud and that I had deposited a check from the account I just opened .As the insurance check. Then a few days later when I had my lawyer contact bank to verify that the check was Not a starter check from my own acvount. I have written boa and send in countless faxes and other documents. I was diagnosed with XXXX XX/XX/XXXX so my battle was stopped but during my XXXX battle I have submitted also numouris identity theft claims. I just want my like back.I have been even unable to get a job behind this.
Collection agency has accepted information to collect a co-pmt. from XXXX XXXX XXXX. Not only have they turned it over to the Credit Bureaus ( XXXX at the least ) and damaged my credit ; yet also have continued to call XXXX daily ; or XXXX time at the least. Once turned over to the Credit Bureaus it is not to be collect by them. Fair Credit Act ; Law..I believe. The same accounts are being collected by another collection agency. Which has worked with me to stop the collection calls now that I have told them it is " Double Jeopardy '', Law, I believe ; only XXXX Agency can collect a debt. Also, and I am complaining here against " Rash Curtis XXXX XXXX along with other numbers. I lived with roommate and have since moved from the home number the roommate knows he has no right to share information. The ex roommate has told only that I do not use his phone number anymore and can not locate me for them.
Hello my name is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. The last 2 years I have been a missionary in XXXX XXXX, XXXX & XXXX. Im in the process of selling my home the above address is my friends home that I use as my new address. The problem Im having is that this last year again they put my home in the flood plain, this has happened before at least 3 other times and within a few months they removed me from the flood plain, I live 7 miles up hill from the XXXX river. The problem I have is I never got any notice of the change in the flood plain. My mortgage company took out a flood insurance but Bank of America took out one also because I had a home equity loan for around {$700.00} and I paided it off three weeks ago which my final balance was just under {$500.00}, this is when the cashier asked me when would I pay the rest, thats when I found out that they put a force flood insurance on my home because I never replied to them. When I tried to clear this up they said that BofA needed to be on my mortgage for the to remove it, but I then found out that my mortgage company and BofA would not put either on each others policy. The funny thing is BofA sold my mortgage to my mortgage company XXXX XXXX ( was XXXX befor XXXX XXXX. XXXX XXXX suggested that I buy another policy with both names on it too clear up the problem, I guess that money grows on trees. 
XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX, ins. XXXX, {$660.00} Bank of America account # XXXX, XXXX, ins. # XXXX, {$770.00} Total for both {$1400.00}, Im a poor missionary, XXXX Vet, and will only receive {$3000.00} or even less at closing. Your help in this matter would be greatly appreciated. God Bless
XX/XX/XXXX I made a payment my due date is XXXX  of each month on the XXXX I was charged a late fee again inXX/XX/XXXX I made a payment the min or more and on XX/XX/XXXX I was charged a late feeXX/XX/XXXX I made a payment the minimum or more and on XX/XX/XXXX I was again charged a late fee XX/XX/XXXX a payment was made min or more again onXX/XX/XXXX I was charged a late fee Each month I paid within the month before the due date and was assess a fee. this is predatory and illegal. XXXX  reps said they can give me a COURTESY ONE TIME and refund one late fee. this is unacceptable as I was charged 4 times {$38.00} wrongfully. I absolutely want every single fee returned. In the month previously stated my bill was paid on time. Telephone reps refuse to refund me and I've tried messaging them on the site and im getting the same message. one late fee was returned. That is unacceptable.
I notified Check into Cash I was unemployed and was unable to pay at this time. After sending a revocation of account debit 2 times to the company, they still pulled the full amount of {$580.00} out of my account on XX/XX/19 which in turn has caused serious financial hardship.
Recently a debt of {$3000.00} for a medical bill appeared on my transunion report. Prior to this I contacted the medical company bc they had sent me a bill in the mail that I had no idea what it was for, for that amount of money. I told them over and over submitted documents to them to prove that it was not me. I guess bc I dis agreed to pay this bill they sent it to transunion. It is the result of an identity theft. I have submitted affidavits to the IRS, FCA, and businesses to make them aware of the fraudulent activity I have been experiencing. Transunion needs to ha XXXX this removed from my report immediately as it doesn't not belong to me. There is also a XXXX XXXX account that shows negative on my report that I've disputed time and time again. This account was paid in full and was in good standing when closed. Please have this removed as well.
navient has inflated the student loans taken, they have XXXX different accounts under XXXX names the primary borrower and the co signer with duplicate loans under each, they refuse to fix the issue, stating there is only the XXXX set of loans. in the past when payment was a struggle they suggested forebearance instead of other options, they have a high monthly payment plan that is beyond borrower ability and constantly harassing not only the borrower but all surrounding family members and employers with a barrage of phone calls and emails. school attended was XXXX in XXXX az
I cosigned a XXXX XXXX signature student loan for $ XXXX.loan for my daughter on XXXX/XXXX/2009. After numerous calls at least 10 to 20 per day, and reporting to my credit bureau because she could n't pay it. I called Navient and asked the representative If it was possible to negotiate a settlement. That I was XXXX on a XXXX.That I have paid at least over {$2000.00} on it. I offered {$3500.00}. after they cashed my check, They denied it, and now they are saying the rest still have to be paid by my daughter.
Prosper account Loan # XXXX Showing on my credit report as being late payments incorrectly. Prosper made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.