WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo opened an on-line " platinum card '' without my knowledge and without my authorization, consent or signature. I never received this card, and there is a {$5000.00} line of credit associated with the account. I can see it in my on-line account. This was done around the time that my home mortgage was being processed which is also owned by Wells Fargo. Looking back, it appears Wells Fargo issued me an unauthorized line of credit, adjusting my debt to credit ratio. This affected my credit score, which affects the APR I pay to the Wells Fargo mortgage. As a result I am now paying additional interest to Wells Fargo, through my mortgage at a cost of thousands of dollars over my 30 year mortgage. Also, this affects any other loan amounts I finance because of the unauthorized adjustment they made to my credit score, such as vehicles, appliances and home improvements. I have worked very hard to manage my credit score, and that they fraudulently adjusted it is very very frustrating. 
Additionally, around this same time, they cancelled a savings account I had with them since 1992 which was in excess of several XXXX dollars. Again, they adjusted my credit history, by cancelling an account that had a clean history in excess of 20 years. I went into their office to complain, and they offered to open a new account, but the history would be lost. They stated that " they have lawyers, and that they will win and I would lose if I try to resist what was happening ''. XXXX things that have never happened before, both happened as I was attempting to purchase a home. Beyond incompetence, this appears to be malicious fraud. I would appreciate assistance, as I am a hard working individual, and they are a large entity willing to use their " lawyers to beat me '' if I resist their tactics.
I received a prepaid visa from XXXX. The card expired but had a balance of {$50.00}. When calling the number on the back XXXX ( XXXX ) They said the money was gone and they could not reissue a card. I asked where the money went. They said " I would be only lying if I told you '' There seems to be no way to get any more information or resolution from them. 
XXXX basically gave them {$50.00} dollars in my name. 
I feel this is a scam as I tried to use the card before it expired at locations listed on the website, but the retailers I selected would not accept the card. 
Where did the money go?
The company XXXX XXXX appeared on my XXXX  credit report on XX/XX/2017. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Reference in XXXX XXXX XXXX, Hello i have been contacting citi mortgage to assist me with a loan modification package. I have not even got a return call which i set up 2. I have been just trying to get an answer or status to assist the borrower. They have gae me two call backs which i just called at XXXX XXXX  XXXX and was advised that there was no notes and that the point of contact XXXX XXXXXXXXXXXX has not given me an email or a call back today at XXXX. It is XXXX XXXX now and set up another call back for next week.
I have tried to resolve the issue with this storage company, my things were auctioned off and still left with an outrageous bill. Sent to collections and have been hassled about the balance ever since.
I previously reached out to credit bureaus in regards to this item. Every time is stayed as verified. I contacted you guys CFPB a few weeks ago and you closed out case because they responded. The issue is the information that was sent to me was not valid. 1. The address this on what they sent me which looks like an application was from an address that never was associated with me. 2. The signature there isnt one listed. There is not a personal signature only shows electronic. I have rights and there this isnt legal proof. There should be a signature that shows prof that it is my account. Also the bank account numbers that show on document had never been associated with me either.

Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

There is no proof that this is my account and this company is violating my rights.
I keep receiving overdraft fees for charges I ca n't see until the next day. Usually when charge something on my debit card I can see it under available balance and when the charge is done processing I can see it under account balance history also. If I do n't have sufficient funds my card is rejected. With reoccurring charges I am not able to see them as processing in my available balance and can not see them in my account balance history until the next day ( because my account balance history can only show me what I have been charged at the end of the day the next day and not what I will be charged since it is a history of my account balance. ) For example, on XXXX XXXX I checked my account balance and it showed up as positive with no pending charges. Then, on XXXX XXXX I checked my available balance again and it was negative with an overdraft charge. My account history showed that I had been charged on the XXXX but only showed that on the XXXX. Bank of America policy is that if I overdraft I have until XXXX EST to make a cash deposit so that I will not be charged an overdraft fee. How can I know if there is going to be an overdraft fee and deposit money if I ca n't see it until the next day? This has happened to me XXXX times and I was able to get XXXX of the overdraft fees waived. When I tried to have them waived again I was met with complete refusal. I can not afford to pay these overdraft charges as I am currently unemployed. I have asked to opt out of overdraft protection. I have asked to have warnings and emails sent to me when I overdraft but nothing in their system is helping me and I 'm either not receiving emails or they are sent days later.
XXXX XXXX has contacted some of my family members stating that they are serving me with a summons. When I called them they told me that I owed money to Cash Central. This debt was paid XX/XX/2018. This company threatened to bring legal charges against me because I defaulted on the loan. When I told them I had already paid it they said ok. But a couple of hours later I received a phone call from a relative saying this company called them and told them I had not contacted them to resolve my debt and to contact them. I contacted Cash Central and they do not know who this company is. They said the sold the debt to XXXX XXXX and are not trying to sue me. I called XXXX XXXX and they also have no knowledge of this company. I emailed XXXX XXXX a copy of my paid in full letter showing this debt has been paid. And lastly, I contacted the TN Dept of Commerce and Insurance to see if this company is a licensed debt collector in the state of TN. They are not. They did the same thing to me last year. They called and harassed family members about a payday loan saying that criminal charges would be filed against me. Out of fear I paid them. They told me they would drop charges if I paid. I later found out that another company owned the debt and charges were never filed against me.
On XX/XX/XXXX I spoke to a few representatives from Seterus, Inc. about a mortgage they claim they service and manage for XXXX XXXX and they claimed that they mailed a Flex - no documentation - loan modification documentation as a service on behalf of their customer XXXX XXXX my partners Attorney XXXX XXXX on or about XX/XX/XXXX. They just forwarded me a copy of what they claimed they mailed, but when checked with that attorney he told me that he never ever received this Flex loan modification offer. Seterus, Inc./ XXXX XXXX declined to honor this offer by now and after multiple attempts talking to their managers asking them to revive and honor the offer they kept on telling me the same thing, that there is no way to bring back this or any other similar offerS. eterus, Inc./XXXX XXXX clearly is NOT acting in good faith, there is no prejudice to them, as they claim this loan is in arrears from XX/XX/XXXX and those additional few months more moths from last XX/XX/XXXX ( which is when the modification was about to start ) is not going to make it or break it. I suspect that they were required by regulators to just offer this offer, so they just played games and never ever mailed it and just pretended that they mailed it, this way they have the cookie and eat it to, its well known in the banking industry that this is what did and this how they dealt in the past 15 years as its cheaper for them to pay the fine if and when they are caught. his is not the first time they played this games, they played games about a year ago when the servicing of this loan was transferred from XXXX to Seterus, Inc, while I submitted all documents for a short payoff for this loan and they even had someone come down to the house to do an appraisal then all of a sudden I found out they the servicing of this loan was transferred and the new services does not have any of the documents submitted to the previous servicer, XXXX. 

Besides the this fact, I have logs of countless and rude phone calls with their reps, including many times of not returning calls when left messages or contradicting information from different reps. 

They also having this one sided unfair and decptive policy of not allowing the consumer recording phone calls with them, while the 're recording all their phone calls and not even giving the option for the consumer to talk to them on a unrecorded line.
Navient keeps increasing my interest rates and monthly payments without any forewarning or posted reason. The loans ' interest rates jump to over 15 % interest at times. This is ludicrous and I will never be able to pay off my loan at this interest rate.
XXXX XXXX XXXX are fraudulently reporting on my credit reports claiming that I have a debt with old navy ( synchrony bank ) in the amount of XXXX. This credit card was fraud under my name as I did not open this account After numerous attempts with XXXX, they have not provided me with proof such as my actual signature in opening this such credit card therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!
I made a timely payment on my online banking on X/XX/17 to  XXXX for my life insurance policy. My bill pay set up apparently had an old address in the system which was no longer good. [ That was an oversight on my part. ] Since the address was old and the mail was no longer being forwarded to the new address, it was returned to my bank. Citibank NEVER notified me that the payment had a problem. I was not aware that this payment was returned to my bank for want of a better address until I received a letter from XXXX notifying me that my life insurance policy had lapsed. Now it is cancelled and they want me to re-apply. I do not think it should be acceptable in 2017 that a major banking institution would not be required to provide me with notification in writing that a payment I sent out was returned. This should be a requirement. Their answers was basically that they are sorry but because I did not have a box checked in my online banking that I wanted to have an email sent to me when this particular circumstance arose I was out of luck. Mind you, I had NOTHING checked one way or the other as I never utilized this set-up. They were free to contact me via mail, email, phone, etc. but did not and I have been harmed irreparably. I would like you to force them to institute proper policies and procedures for their customers.
Please see CFPB Case # XXXX and OCC Case # XXXX. I received a response concerning the cases cited above from Wells Fargo Bank ( WFB ) dated XX/XX/2917. That response is attached. In that response WFB admits they acted contrary to the laws of the State of California. I ask that as part of your investigation your review this illegally obtained recording of my telephone call with WFB. You will discover that not only did I ask not to be recorded but WFB advised me that I could not talk with them unless I consented to being recorded. Instead of providing and immediate remedy by removing the illegally recorded telephone call from their database, WFB advises in their response letter that I must now send a separate " letter '' asking them to remove the illegally recorded telephone call. WFB in their standard method on operation has not only demonstrated clear and deliberate indifference for law and statute they now want to place further burden on me to get their illegal activity remedied. This kind of indifference should result in swift and substantial monetary sanctions imposed on WFB in an amount so as to induce WFB to get their act together.
For over a year, I have been fighting with Nelnet to correct information on my file that is incorrect. I have been on the Income-Based Repayment Plan since XXXX and have re-filed every year. I was told in XXXX that they did not have me on and that information was mistakenly provided to me which had led me to believe that I was on the IBR plan. I was informed that for the past 7 years they used up deferment and forbearance instead!!! Last year when I submitted information to recalculate my payments ( this is when I learned that I was not on IBR ), Nelnet had my paperwork sitting there for months without touching it. It was n't until I checked my credit report that they incorrectly reported more than XXXX accounts at least 90 days past due!!! My credit went down nearly XXXX points! I have gone back and forth with them to no avail. When I told them to correct the IBR information for the past 7 years, they basically told me they were sorry but there is nothing they could do. I can not get approved to live an in apartment now and I have been having a hard time finding a job that allows me to pay more than my minimum payment to pay my student loans. I can not finance another vehicle and my credit card was recently cancelled due to this.I went to graduate school and I have a large amount of loans I took out to pay for my education. Nelnet has been avoiding correcting the information. I believe that the cost of my loans is exceedingly high and do not reflect the correct amount I borrowed including the correct amount of interest. They are difficult to deal with and their representatives on the phone are powerless. Please do something about this. I know many people who are struggling with the same issue being cheated by Nelnet. 
I believe much of the confusion on Nelnet 's part comes from lack of understanding from the representatives on how repayment of student loans impacts the borrower. Every single person I spoke with had a different answer and I attempted to have them give me the correct paperwork for recalculations 6 different times in XXXX. I am sincere in repaying my student loans but find that their business practices are misleading and damage the borrower 's ability to pay by increasing fees, keeping incorrect information and reporting it to the credit bureau. I have never before had my loans in a late status. I want them to be fair and give me the opportunity to repay but have the correct information and also fix all the accounts they placed in late status reported to the credit bureau. Every time I speak with them about fixing it, their response is " its not what you have sent. Its when we receive it '' despite them having the paperwork and having it sit there with no action being taken. My financial situation and future has been heavily impacted by this. My credit tanked to the point I cant find a better paying job now and properties are refusing to offer a lease without a heavy deposit that I can not afford.
The loan servicer has made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued notices of default for amounts that more than what I own, eventually denied my loan modification application and continued foreclosure my property. The servicer continues to charge me late fees every month. The servicer is not respond to the Requests for Information. I am being denied an opportunity to save my home and avoid foreclosure through the Loan Modification program. The servicer denied my loan modification is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute and be faced with foreclosure against me and I may loss of my home. I 've been submitted loan modification many times and Ocwen continued to denied it, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by the servicer. The servicer is subject to an existing Settlement Agreement with my state 's Attorney General, and my loan is eligible for coverage under that order, but the servicer denied my loan modification is not based on my income or ability to pay and be faced with foreclosure judgment and I may loss of my home.
I have never lived in XXXX XXXX in XXXX, Ky. I have no idea how this address is showing under my name. I would like to know why it appears in addresses. I would like this removed and investigated as to why it appears. Has someone tried to obtain a loan or something in my name.
I have a case of identity theft listed on my credit report from XXXX totaling {$350.00}. I disputed this information and it was once removed from my credit report and now the reporting agency has added the charge back onto my report causing my credit score to drop drastically. I did speak with someone at the company and they gave me the address to where the services were set up using my identity and I am familiar with the person that lives at the address. I explained this to the credit reporting agency and they advised that they may be able to help me. I think it is unfair for them to a resubmit the collections after it was removed once before by the credit bureau.. Especially since it is not my debt in the first place. 


Thank you, XXXX XXXX
On XX/XX/2016 I loaded up a my vanilla prepaid card at the XXXX store in XXXX DE. I PUT XXXX On the card in cash. The very next day I opened up the card and than went on line to register it l like I was suppose to do. 0n XX/XX/2016 i went shopping and when i tried to purchase something it was declined. So right away i called my vanilla card and they said that my card was register to someone else and they were claiming it. Also they asked me to send in my documents which i sent in everything like my social security card, my receipt, my state ID, a copy of the vanilla card front back. And proof of residence, I sent that in by email on XX/XX/2016. Now every time i call them it 's something new. First it was 3-5 than 10-14 days now 60 days before I hear something back. It just does n't make sense. I think it 's fraud. I do n't know if their trying to keep money or what. They wo n't tell me anything. So am lost here.I called XXXX a few days ago and they told me that everything on their end was good but they did find out that my money was used at a collection agency on XX/XX/2016 the next day after a bought it. But how is that so. I want to know because i registered it on XX/XX/2016 on their website and it said i was good to go. They said that the card was activated so i did n't need to go on line and register it. Now am really confused here they also said they do n't know why my vanilla prepaid visa is giving me such a hard time with this dispute. Its crazy how XXXX found out and was able to tell me that XXXX the incomm people from my vanilla act like they do n't know what 's going on with my dispute with them..PLEASE HELP ME SORT THIS OUT.
XXXX XXXX # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX XXXX  OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms and I DID NOT open an account with my signature OR their client. XXXX does NOT have my signature at ALL This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!
RE : CFPB Complaint # XXXX Thank you for the update on my complaint filed on XX/XX/17 regarding my situation with PHH Mortgage. Interestingly, I just received another advertisement in the mail from PHH ( see attached copy ) regarding the exact thing they offered me before and later denied. They bait people in saying, because of our excellent standing and estimated home value we may be able to receive cash out funds. I understands it says may, but then when you speak to one of PHHs ( I assume ) commission driven representatives, they further encourage you with statements about how we are in a great position to proceed. Then they basically steal over {$700.00} from you in a blink of an eye. Depending on the response I receive from PHH, which should not even take this long to resolve, I will decide if I will proceed with other avenues available to me. In the meantime, however, I will await a response from you. 

Best regards, XXXX XXXX
I paid off my Macy 's credit account with a money order for {$350.00} at the XXXX in XXXX CA in XXXX. The payment was processed and the employee kept money order and placed in drawer. My Macy 's statement comes XXXX XXXX, 2016 and upon close review, the payment I made with certified funds was reversed and interest charges attached to my account in the amount of {$10.00}. At no time has Macy 's ever notified me of an issue with the money order, no letter in the mail, no copy of the money order used. When I called, they tried to put the duty on me to prove the payment went through. I informed her that without a copy of the money order, I 'm not able to go to the bank and do anything and that they had an obligation to let me know of the issue 3 months ago when the payment was made not 3 months later by reversing the payment and charging me interest. It seems to me that Macy 's is in the habit of waiting an excessive amount of time and are not notifying consumers when issues arise with the payment. In this case, I explicitly asked the Macy 's customer service representative if they take money orders and stated yes and processed the payment and handed me a receipt. Based on this experience, who knows how may other consumers they have pulled this slight of hand and are charging back interest on purchases people believed to have been paid in full.
We are leasing a XXXX Toyota Camry the lease is up XXXX XXXX. All of our paperwork from Toyota says that our vehicle is a 6 cylinder vehicle. We were also told that it was a 6 cylinder vehicle. We wanted to purchase the vehicle at the end of the lease and then wholesale it. We had it looked at by a mechanic and he informed us that it is in fact a 4 cylinder not a 6 cylinder. We contacted Toyota and after several phone calls they said that it was a typo but were willing to give us {$500.00} for the mistake. They are saying that that is the only difference between the XXXX cars. In fact it is closer to {$3000.00}.