WillisBack/dataset-financial-user-claim huggingface dataset:
Last year, due to the state of emergency with Hurricane Irma, Wells Fargo Home Mortgage deferred my payments until my home was repaired. It took me about 9 mos. I was allowed to pay $ 200 monthly. After I got my home repaired, I called them to start paying my regular monthly payments. I had to fax in all my income documents for the modification. They never told me that they were charging late fees & other fees for every month I did not pay my mortgage. I called and spoke with them every month. I got a call on Monday stating I owe {$9800.00} for the time I did not pay full mortgage and my account is delinquent. They said by my income I can not afford to pay this amount and they decided to refinance my home for another 30 years. I have been in my home now for over 15 years, and I owe only {$54000.00}. I am in my late XXXX 's and can not afford to refinance my home for another 30 years. They told me that was the only choice I have. This is not fair to me as an XXXX American Woman, When I spoke with them in the beginning of the deferred payments, I asked can the months I missed paying my full mortgage can be put behind? I was informed on the phone, that will be discussed after I get my home repaired. This is not fair to me, and I do not want to lose my home. I want to pay the {$9800.00} and continue with my mortgage. Please help me.
I have a pending complaint against this company. They are trying to obtain debt verification documents - as they do not have them. Despite not having them, during the past month they have affirmed XXXX that their tradelines are reporting correctly XXXX after I disputed them XXXX. THIS IS A SEPARATE DISPUTE FROM MY EXISTING DISPUTE. This is an outrage and an egregious abuse of the credit reporting system in the US. I demand the immediate removal of these tradelines until this dispute is resolved. How can they affirm their tradelines to these bureaus when they have admitted that they do not possess the needed documents? They should be sanctioned for this abuse of the credit reporting system. This is why the credit reporting system in this country is plagued with problems, they simply accept as truth everything they are told by third parties!
On Friday, XX/XX/2018, my husband and I visited the XXXX XXXX XXXX  store in XXXX, FL. Upon our arrival, we were greeted by a salesman by the name of XXXX. We explained to XXXX that we were interested in viewing their XXXX home but was NOT looking to purchase until XX/XX/2018 because we were working on paying down our credit card balances. After viewing the home, XXXX was adamant that we should allow him to do a soft internal pull of our credit score so that he could show us the accounts that we should focus on paying down. We agreed under the conditions that it was a soft, internal pull that would NOT affect our credit. To our surprise, it not only resulted in a hard pull but our information was also sent to XXXX XXXX XXXX  without our consent. As illustrated by the email communications, I was unsuccessfully in resolving this issue as well as explaining my concerns to the Owner of XXXX XXXX XXXX, XXXX XXXX. I was trying to get him to see that the information that XXXX communicated to us was clearly misleading and dishonest because otherwise, I wouldnt be upset if I came there with the intentions to buy. However, I was only looking and obtaining information to better prepare for my home-buying experience in the months to come. Please note that I never contacted XXXX XXXX to obtain any information regarding the status of the loan application-that information remains unknown.
I write this to call your attention to the manner in which your representatives at the branch in XXXX, NJ have chosen to do business which is absolutely deplorable! To attempt to earn inter company marketing and sales credits by opening and closing accounts and manipulating them is both ethically atrocious and against state and federal banking regulations. This is now the THIRD time in the past few years that people from this bank have XXXX with my accounts to my detriment. I am enclosing email correspondence between myself and your representatives that will be self explanatory once reviewed. 

Very briefly the story goes like this : On XXXX XXXX, 2015 I received a phone call from the Manager, XXXX XXXX XXXX offering to increase the interest rate on my savings account. I related my bad history of dealing with the people at this branch who XXXX my accounts in the past when I moved a large sum of money to Well Fargo and that I had to go back to the bank and do it all over after the bank rep who did this was fired. I did not want to go through this again. I then received a phone call XXXX that a line of credit was being processed and that my checking account would have to be closed and another XXXX opened at which I told him that I will not agree to any of this until I see the terms of the LOC in writing and agree to them. Next thing I know I receive an email confirming my LOC account was established without my knowledge. The following day I receive the terms to that LOC which I did not approve. I immediately sent in WRITING a notice to the XXXX reps that I did not agree to these terms and that they opened an account in my name without my permission, and they are to close that account immediately as they had acted improperly. This all fell on deaf ears, and yesterday I received a bill for the annual fee {$25.00} for this LOC.
On or about  XXXX   XXXX ,   XXXX  , I contacted the bank and credit bureaus about the wrong account number and information being reported on my credit file. All parties decided not to remove the information. My dispute is that I do not or did not have mortgage account number with the bank under the account number being reported on my credit file.
Wells Fargo attached my Wells Fargo credit card to my checking account as overdraft protection without my authorization. I called them to dispute this and told them that the charges have hit my credit report negatively. They responded by telling me that their records show that I authorized the use of a credit card as overdraft protection in XXXX 2015 by phone. I never authorized any use of my Wells Fargo Credit Card as overdraft protection by phone, or in any other way. In XXXX 2015, I established a new checking account at my local bank, in person! I authorized my savings account NOT a credit card. Wells Fargo told me " Regardless, you received statements showing the overdraft protection fees electronically, so you were informed. '' This was an underhanded tactic that Wells Fargo used to change me XXXX $ $ in fees. I told them that all I wanted was the negative information removed from my account ( 30 days ). My credit score prior to this was XXXX. It has dropped to XXXX as a result of this XXXX negative item. I will gladly submit my credit report for review as proof and have previous reports to demonstrate the precipitous drop. I have also filed a dispute with Wells Fargo and XXXX.
I was contacted on XX/XX/XXXX @ XXXX XXXX EST by the XXXX XXXX XXXX. When they contacted me I was told to redial the phone number which I did and then I began talking to the case manager about an alleged debt that my wife owed. I called my wife and continued with a 3 way call with the debt collector. It was told to us that there was a pending civil action that would commence if we weren't able to resolve this debt. The alleged debt was to XXXX/Wells Fargo Bank in the amount of a little over {$300.00}. We were shocked because we have never had an account with XXXX/Wells Fargo bank at all. We were told the account was opened on XX/XX/XXXX and closed was charged off some time in XXXX. It was suggested that we take a letter which was sent to my wife 's email address to the bank in order to verify the debt and gather more details. I did exactly that on XX/XX/XXXX and in addition to that I also called both the corporate phone number for overdraft and recoveries and the customer service department. The account number given by XXXX XXXX XXXX could not be verified by the bank at any of the 3 locations I tried to get it verified at. The representative could not find the account number nor did they have any record of my wife 's social security number ever being associated with any account past or present. I then called the XXXX XXXX XXXX back to inform them of my findings and ask them for proof of this debt. and the representative I spoke with said that they would proceed with making marks within the XXXX XXXX as well as sending this notice of debt to the Credit Reporting Agencies. After a little research on this company I found that there are 13 complaints to the XXXX for exactly the same situation just different amounts of money. I believe this company is fraudulently trying to collect on debts that don't exist.
I was approached via phone and email by a collection agency posing as a law firm in the collection of a debt from my business. They offered little detail about the identity of the debtor and used words that indicated they were representing a law firm. 

In an email they sent to my personal email address, the subject matter was " XXXX CASE # XXXX '' The collection firm represents themselves as The Leviton Law Firm and is using a false representation by implying they are communicating with me as an attorney. Their tactics are aggressive and not consistent with the Fair Debt Collection Practices Act.
I requested financial hardship assisitance for my mortgage due to health reasons. the mortgage company then referred me to several different people. I left messages, but no response after more than one week. I later received foreclosure related documents.
On XX/XX/2018 I noticed a credit inquiry from XXXX XXXX XXXX. As I do not shop at XXXX XXXX XXXX I do not understand why it would be on my credit report under the XXXX credit bureau. Iam unsure if it appears under the other 2 bureaus as well. I can not understand why I would want an inquiry from a company going out of business and not even issuing credit cards anymore to my understanding. I would like it removed as it dropped my score I believe like 7 points.
I requested debt validation concerning an illegitimate account by the name of XXXX XXXX University reporting to my Trans Union credit report. I originally sent a certified letter to XXXX XXXX University, and then to Trans Union requesting that this debt be validated, and if not, that it be immediately removed as this was never a debt of mine. 

I received notification that the debt validation request was received, however, the debt has not been verified. It has been over 30 days.
Today, XXXX XXXX, XXXX, I have been on the telephone for 2 hours with representatives and managers of Experian attempting to secure the free identity theft protection issued by XXXX XXXX who recently purchased XXXX XXXX XXXX XXXX XXXX XXXX or ( " XXXX '' ). It appears that XXXX may have overlooked the fact that its ' data system had been compromised via evidence of unauthorized access to the XXXX network. 
Unfortunately, due to managers hanging up and not returning calls and individuals who simply did not know what he/she was doing with Experian, I have been unable to establish a file to secure my identity due to this breach. The call was disconnected and Experian did not call me back even though I had given my number as a call back. Also the code states " invalid CSRF token '' each time I try to log in. Thus XXXX XXXX and XXXX and Experian has failed to enable me to secure the free identity theft protection even though I have been on this phone for hours and hours with incompetent employees who do not have a clue how to process this and employees who do not call back after the calls drops or they disconnect on purpose.
I currently have an account with Pinnacle Credit Services on my credit report that I disputed because I did not believe the account was mine. It came back as verified with all XXXX credit bureaus. Recently, I contacted all XXXX credit bureaus to remove the dispute comments from my credit report since I would like to apply for a mortgage. XXXX complied, however, XXXX and XXXX stated that based on the status of the dispute they would have to re-dispute it to have it removed. I got the updates from XXXX and XXXX around XXXX XXXX stating that the investigation was complete but the account remained in a dispute status. I called both XXXX and XXXX on yesterday, XXXX XXXX, regarding this. XXXX removed the dispute status, however XXXX stated that they could not remove the dispute because the creditor felt like the issue was unresolved and I would need to contact them. I called Pinnacle Credit Services at XXXX and spoke with a representative who informed me that they no longer held the account, and I had to speak with someone at XXXX XXXX. I was also given the account number of XXXX, phone number XXXX. When I spoke with the representative at XXXX XXXX, they informed me that they bought out XXXX and that this account was no longer being collected on or reported, but its still being reported on my credit report. She also told me that the account was from XXXX 2009 ( which is 7 years ). When I explained the situation to the representative she stated that all updates would be made in XXXX. With the information that I have been given, I do n't understand why Pinnacle would not remove the dispute comment from my credit report, especially since they no longer own the debt! This has been a very frustrating process for me since all I wanted them to do was to remove the dispute comment, but to find out that the account is 7 years old, no longer owned by the company reporting on my credit, and to then be told it 's not reporting but instead it is.
XXXX  has been non-compliant with removing the unverified account SELENE FINANCE LLC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SELENE FINANCE LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Transunion reports the wrong SS # on the credit report and it is keeping me from getting a mortgage as well as hurting my credit.
I found out there were authorized charges on my credit card. I called the bank and they said they would investigate. On XX/XX/XXXX, they sent me letter to conclude I would not be responsible for the charges ( {$480.00} ) However on XX/XX/XXXX they secretly charged the same amount back to my closed credit card account and direct debited from my XXXX checking account. When I called on XX/XX/XXXX to complain about it, a lady told me they would send me the check or credit back in about 2 weeks ( which was a lie ) Today XX/XX/XXXX, I called them again, they kept transferred me back from one department to another for 5 times for 93 minutes without solving the problem. When I asked to speak with someone in highest position, each one told me she was the account manager. I asked the lady how they could close my credit card account in XX/XX/XXXX and reopened secretly and charged me back on XX/XX/XXXX. Her answer was they have right to do so anytime they want. I asked her why they did not charge on my new credit card account so that at least I was notified. I even further asked her what about if someone has a tight balance in the checking account and suddenly they took away {$5000.00} from checking and what if he/she can't make the mortgage, car payment ... .Her answer was nothing she can help.
I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Applied for a co-signer realease from a Wells Fargo that I have consitently paid ontime since XXXX was denied because my XXXX XXXX score was to low. No mention of what an approriate score is even in converstation with Wells Fargo representative before I sumbitted the application. Still do n't know what the " ideal '' score is me to recieve a cosigner release. Just this year I have been offered by Wells Fargo the oppurtunity to refinance my student loan without a co-signer so I am utterly confused on how I can be eligible to refincance without a co-signer but my score is to low to get a co-signer realease
repeated attempts to get correct information on my credit reports XXXX, XXXX  and XXXX. I have made payment on XXXX XXXX XXXX account that is associated with Eastern Account system.I have made payment and want account from credit report immediately.
On XX/XX/XXXX, I opened a new savings account with Citizen 's Bank. I requested that XXXX be transferred to this account from another account I have at XXXXXXXX XXXX. Citizen 's Bank ran this transfer through twice, causing {$24000.00} to be transferred out of my XXXX account. I did not have the funds in the XXXX account to cover this, and was charged a {$100.00} overdraft fee as a result. Citizen 's has acknowledged that the double transfer was their mistake, but refuses to reimburse me for the overdraft fee caused by their mistake. XXXX will not refund the fee either, though I do not believe it is their responsibility to do so since Citizen 's caused the issue.
On XX/XX/2018 my son-n-law and I purchased a vehicle at XXXX XXXX XXXX XXXX, El Paisano. We specifically told then he did not have a drivers license. They still let him test drive it and finance it. I asked if he was gon na be able to get insurance and they said yes and they even suggested XXXX. We called XXXX and everywhere we could and we couldn't. I did obtain insurance on the vehicle just not him on the policy. Well they demanded for him to be on it. So we weren't able to so they took vehicle away and didn't give us our down payment back.
XXXX is reporting on my credit file and should be remove must be removed this a collection account it they only have 180 day from the time they get the file assigned to a collection account to be on my credit on top of that it was charged of and a medical debt that was paid by insc. this account can deletd for any and all reason.
I got divorced in 2012 and my financial situation changed drastically. I have appealed to PNC Bank/PNC Mortgage for assistance with reducing my mortgage payments from {$1100.00} a month to a more affordable amount but they have refused to work with me by continuously stepping outside of the law to delay modification. I have used several organizations along the way to assist with getting PNC to modify my loan but I got ripped off and ended up in an even worse situation than before. PNC will not accept the Divorce Decree or Quit Claim Deed as the foundation for why I need the loan modified without the assistance or signature of my ex husband. The original loan was in both our names, but since the divorce, I needed to modify the loan so I could afford the payments. PNC will not assist me because my ex husband no longer lives in the home or has any rights to the house. My Divorce decree is a legal binding document which shows that the home was awarded to me, and my ex husband has no rights to it. PNC has done everything in their power to delay the process for assistance, which through the XXXX XXXX Georgia program, I am very much qualified for. I need help badly. My home has been in a place of foreclosure about a dozen times, and I always manage to get it out through bankruptsy filing or by other means. I have done everything PNC has asked and when I complete a packet and send it to them they go against what they themselves have asked me to provide, and decline my request. Every single time, over the past 4 years. I am behind in my mortgage, an every time PNC denies my packet, it adds more money to what I already owe them. I have reached out to everyone at PNC but they say their hands are tied because the loan is owned by an investor XXXX XXXX XXXX XXXX and the investor does not take part in the modification or XXXX programs. They have created new rules along the way and have used every opportunity to stop my packet from going to full review and approval. Their tactics are illegal and it has been going on for 4 years now. Please help me.
While checking my personal credit report, which I acquired from [ XXXX, Transunion, XXXX  ], I noticed an inquiry made by : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX. on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX -XXXX, XXXX XXXX XXXX XXXX XXXX SD XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX. on XX/XX/XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. <P/>I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity. Mail it to the address listed above. <P/>1. ( a ) Verification.Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of ( ), under penalty of perjury as to accord with impartiality honesty and integrity. <P/>2. This is an un rebutted statement of facts.Your response is not required, however if you fail to rebut these statements within ( 5 ) daysthen it shall certify your consent, assent, and agreement to the statements as true, correct, complete, and not misleading. <P/>3. Additionally all further communications to our office shall be made only by an Officer of ( ), signed in Ink, including the Title and Name of individual verifying the data and affirming its accuracy and authenticity. Please cease and desist all communications that are not signed in accordance with the provisions made herewith. The failure to do so constitutes a prejudice to my rights and is damaging to me. Therefore, should we continue to receive unsigned communication from your office, it shall constitute your agreement to compensate us for this predetermined sum of {$10000.00} per document. <P/>4. Please be advised that if this debt isnt verified according to the Fair Debt Collections Act.You must delete this recording from my credit reports. <P/>As it is that I am willing to contact the Federal Trade Commission, Report you to Both The Council of Better Business Bureaus and Consumer Financial Protection Bureaus as I am very much inclined to file a lawsuit if this matter is not immediately resolved. <P/>If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them REMOVE/DELETE the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. <P/>Please send me a written confirmation that you have complied with my requests. <P/>Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
These companies are doing hard inquiries on my credit reports whenever the feel like it. there are no information on these companies except for the names which are " XXXX XXXX   '', " Carfinance Capital L '', and " XXXX XXXX XXXX XXXX ''.