WillisBack/dataset-financial-user-claim huggingface dataset:
I am the co-signer of my Son 's student loan from Navient. My son applied for and was granted a reduced rate payment plan. However, Navient was still reporting past due payments. I contracted Navient and spoke to their agent XXXX XXXX where he discovered that the accounts were still reflecting the old rate not the reduced rate. I spent an hour on the phone with him as he corrected the accounts and got them up to date and paid in full. He said everything was corrected and no monies or further action was required on my part. Going forward Navient reported to all XXXX credit bureaus that the XXXX accounts in question where 60 days past due and all XXXX of my scores took a tremendous hit and went down close to XXXX points. I 've made numerous phone calls to Navient beginning in XXXX to explain and they conceded that made an error and would retract the 60 day late payments made to all three credit bureaus. I 've written them letters asking them to investigate as 60 days late is still showing on my credit reports. Friday XXXX XXXX, Navient sent me results of their investigation saying the 60 days late is accurate and will not remove it from my credit reports. Between the taped phone calls and typed phone transactions with several agents it will prove my version of events is true and accurate. I am appealing their decision once again, however, I fear they will give me the same results. I really need your assistance as I have no idea how to proceed to have their wrong righted on my credit reports
Several months ago, ( I do not have the exact date ), I tried to close my Wells Fargo Checking and Savings Accounts. I was told that they would be closed. This was a telephone call. They would not send me my money and they would not allow me to do a bank transfer so I took as much money as I could with my debit card from an ATM Machine. I was told to shred my debit card and I did that months ago. 

Recently, two people by mistake made two separate deposits into my supposed closed Wells Fargo accounts. The amounts are {$600.00} and {$150.00}. Wells Fargo will not give them their money back and they will not give the money to me. I have spent hours on the phone to no avail, I can not close the accounts and I can not get my money out of it either and neither can the people who deposited the funds. I was on the phone today for several hours and the same situation prevails, I can not close the account and I can not get the funds out. 

I live in XXXX XXXX XXXX XXXX and can not go to a teller at a Wells Fargo bank to do any sort of transaction. For me to fly from here to XXXX would cost me over a {$1000.00}. All I want to do is close that account and get my money out of that bank. 
Regards, XXXX XXXX XXXX
in XXXX of 2013 I was signed up for my first cell phone in my name by a member of an XXXX Kiosk team. He explained to me that I had a certain amount of data to use each month and as long as I kept my wifi on I would have no problem staying within my monthly limit. During the first month of service my " Data used '' was at XXXX every time that I checked it, which happened to be once a day and sometimes XXXX. I was a little worried that it was n't updating correctly but I let it run it 's course for another week or so. During that week I began to receive texts from XXXX saying that I was over my monthly limit for data and I would be charged an extra 20 dollars for each Gig of data I used. I was extremely upset since I had been doing my best to check my data usage every day. I gave XXXX a call and the representative let me know that I could manually turn off my data by going into my XXXX app and she would credit me for the 20 dollars that i would be charged. I did this as soon as I was off the phone with her. Within 20 minutes of turning off my data I received XXXX more texts saying I would be charged {$20.00} for extra usage. I was extremely scared since this was my first phone under my name and I did not want any blemishes on my record. I immediently called back and let them know that even though I turned off my data both on my network and on my phone and was strictly running off wifi that I was being charged for data that I was not using. The next rep. I spoke with told me it was an issue with my phone and I would need to bring it into the store to have it checked out and my bill fixed. I asked if there was anything they could do to stop the data from being charged and they said no, not over the phone. When I went into the store to seek help from a store rep. they promptly sat me down and put me on phone with the number I had called previously. I was being told by the store that I would need to speak with the phone reps. and I was being told by the phone reps that I would need to pay the 2000 dollar bill in full and that they had no records of me ever previously calling and letting them know about the situation. 
Throughout the whole process I contacted XXXX about XXXX times via the phone and went into the store XXXX. They have absolutely no record of me calling and I ca n't get any help from them resolving my issue. I do not believe that I should be harassed and discredited for something that I tried very hard to get corrected in a timely manner. Unfortunately, I do not have any supporting documents as all my bills from them have the " used '' data attached and each say I owe over XXXX each for XXXX month of service for a single line. XXXX also has no record of my XXXX calls.
XXXX, XXXX cra violation inaccurate infomation i enclosed in my report XXXX and XXXX po report enclosed aslo
Bank of America has a section on its website where you can " check for customized offers. '' I did and based on the wording, the website made it seem as though the bank was pre-qualifying me for a credit card, and with this confidence I applied and was denied adding a hard inquiry into my credit report. The wording for the " check customized offers '' section makes it seem as if consumers searching for credit are pre-qualified for the credit cards listed because one is not able to see the credit cards until entering information such as name, social security number, date of birth etc. This is very misleading for consumers and costing them a hard inquiry which then affects their credit score! Bank of America must stop this misleading practice, essentially billing a " customized offer '' as a pre-qualification offer of sorts.
On XXXX/XXXX/XXXX i had requested my credit report from Experian and XXXX along with XXXX to see what is on my report. I see unauthorized inquiry i never requested and one is  using the same id # under different companies. The company name XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX they are sharing the same ID # with XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX : XXXX this company has to do with a Car company but again they are sharing the same ID #. Along with again Credco/XXXXXXXX XXXX which is located under a XXXX XXXX XXXX XXXX XXXX, Ca XXXX tele XXXX and this same ID # is listed with other companies. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX. Now there or other ones just like this which these companies is sharing the same id no # I live in XXXX, Tx I why would i have any thing to do with all these companies from other states. I also have thought that a fraud alert was put on my account form this from happen. I am XXXX and have XXXX XXXX who can help me know that i have this problem on my credit report i do not understand
In XX/XX/XXXX, I saw an entry on my credit report from XXXX XXXX XXXX for a loan they alleged I took out in XX/XX/XXXX. I sent a request for information proving the debt was indeed mine because I am certain I have never had any business dealings with this company. The first response was a generic response with just my personal information such as date of birth and last XXXX of my social. ( which can be obtained through public records ) See attachment. I then submitted a dispute through the XXXX credit bureaus because according to Texas Finance Code what they provided was not proper validation so I requested that the information be removed from my credit file. The debt came back as " verified ''. In XX/XX/XXXX, XXXX XXXX sent me a settlement offer stating that I can make bi-weekly payments of {$220.00} to settle the debt however I refuse to settle a debt that has not been proven to be mine. See Attachment. I reached out to XXXX in XX/XX/XXXX, again requesting proper validation according to FCRA and Texas Finance Code, This time they responded with a " contract ''. I combed through all pages of documents NONE of which had my signature agreeing to the terms of this alleged contract with the original company nor did it include any documentation agreeing to a contract of terms of payment in which I have defaulted with XXXX. I believe this company is trying to take advantage of me as a consumer as if I do not know my rights. They have ignored my multiple request to validate this debt according to federal and Texas state law. So far what I have received in generic documentation that can not be used to conclude I indeed owe this debt. Again I do not have a contract with XXXX XXXX and the documentation showing a contract with the original company does not include my signature. It is obviously a typed fill in the blank contract. I want this removed from all three bureaus immediately and all collection attempts ceased.
I was promised tickets and asked to transfer money through XXXX. Since this was on my Wells Fargo app I thought I had protection as a trusted service. I sent {$600.00} and then the person disappeared and I never received my tickets or any other messages. Wells Fargo will not help me. I feel this is unfair as Wells Fargo clearly uses this service with no protection for fraud.
To Whom It May Concern : On XXXX XXXX, 2016 I made reports of identity theft/fraud to multiple organizations including the FBI, FTC, CFPB, XXXX and Experian. My reason for this action was an assumption of theft during a credit report check. As I now know part of the authentication process prior to the credit report is the series of questions regarding dates of opened auto loans, home mortgages, bank cards and such. The manner the questions were phrased implied in my opinion that I was suppose to know valid information about an active account involving my identity which prompted me to abruptly cease my credit report and contact authorities reporting my findings. After consulting a legal aide from the Federal Trade Commission website a consultant informed me that the questionnaire was common procedure and many misinterpret this process similar to my situation. I used the service XXXX XXXX to then do a credit check and was pleased to find that the only involvements with my identity were legitimate ones. Unfortunately I reported and assumed fraud had took placed and would like to inform my findings and help with the procedure of undoing anything I may have caused from my over reaction. I appreciate the time and prompt reaction. Please accept my apologies for any inconvenience and thanks for your help and understanding. 
Sincerely, XXXX XXXX XXXX
The com pany is Wells Fargo and they are trying to collect and foreclose on a home and the it is illegal because both of the people who had the loan are deceased. They have received death certificates, durable owner of attorney, however, they are still threatening foreclosure on a deceased person. The Governor of Missouri and several attorneys have stated this is illegal in the state of mo. A complaint has been filed with the attorney general in Mo. Wells Fargo has failed to let the current relatives who are living in the house to assume the loan. Wells Fargo sent the mortgage under the deceased person 's name in Texas. They received the death certificate and said they would no longer collect on the debt. Chapter   XXXX    bankruptcy has been filed  XXXX  now attorneys have stated that is illegal since the loan is in a deceased person 's name. The property is in beneferies name house is in another person 's name. Wells Fargo hired a attorney client only collection to foreclose on the house under the deceased person 's name.All statements and paper work and foreclosure papers have been sent to the deceased person. Wells Fargo refuses to do anything except to demand payments from a dead person
Ditech added a building master policy to my single condo account in XXXX even though my HOA has covered the group master policy for the outside of the building since I have lived there. Ditech keeps asking to fax various forms so I comply and send them what they ask for. I then contact the company again after sending document after document and then the rep tells me I will be credited in 3-5 days. Then today I received an email saying they do n't have my master policy again. I called them and then they tell my they need proof of insurance and want the master policy. I told them it 's in there system then they tell me well they actually need XXXX policy even though the fraudulent charges were all from this year. I track down the old policy and send it to them anyway. Then I call back I get told that it 's on my account now. I ask about credit for the charges which should not have been on my bill. Now they are saying that I just have to wait 1-2 billing cycles and then I will receive credit. I ask them for how much and then they say they can not see the information and each rep just continues to transfer me to the next department and will not help me. My condo is going to forclose and its because ditech has put fraudulent charges on my account and will not remove them even though I provided them with every document they have asked for.
I received collections form this company before and I notified them several times that I filed bankruptcy in  XXXX - XXXX  and this old debt was included in that bankruptcy. Recenty I have been getting calls from this  NCB c ollections agency and now letters regarding the  XXXX   XXXX   XXXX  I had a while ago. I need the collections to stop and the calls and letters as it is illegal to try to collect a debt that was included in my bankruptcy that w as discharged al ready
I have sent 2 letters by certified mail, return receipt to Equifax disputing 4 items being reported incorrectly on my credit report. The first letter was dated XXXX XXXX, XXXX, return receipt # XXXX, requesting for the method of verification they used to determine the items being reported on my credit report were mine. Equifax received and accepted my letter through registered mail dated XXXX XXXX, XXXX. To date I have not received a response. A second letter sent dated XXXX XXXX, XXXX, return receipt # XXXX, stating notice of intent to file a complaint with the FTC and CFPB and was received and accepted by Equifax dated XXXX XXXX, XXXX. To date I have not received a response.
I was tricked by XXXX store in XXXX, XXXX into getting a credit card with XXXX XXXX. A fraudulent credit card was opened on my name without my consent. 
Details : I was checking out at the store and paying with my debit card when they offered a 'store card ' for a 15 % immediate discount. No word " Credit card '' was used. I accepted for what I thought was a loyalty card and signed. The store manager had my debit card in their hands and was doing some operation with it our of my sight, so I did not realize they never charged my debit card and the purchase was on credit. A month later, I collected my mail and found out that XXXX subscribed me for a credit card. The mail from XXXX XXXX says that I HAVE TO shop at a store monthly or I will be charged $ XXXX monthly. I signed-in online with XXXX XXXX to cancel the card - but there is no such option. I contacted XXXX, but they refuse to help.
This is a {$100.00} gift card. I removed it from it 's packaging and went to go use it. The transaction was declined due to a {$0.00} balance. 
I called the issuer XXXX times, spending a total of XXXX minutes to no avail. The vendor is U.S. bank # on the back of the card is XXXX. A representative said that they would be faxing and mailing me documents to fill out for the claim process. They did not fax or email me anything. U.S. bank says that resolving the worthless card issue is contingent on receiving back the paperwork that they say that the sent out. This is clearly a scam and my {$100.00} have been stolen.
They told me they would take it off my credit report which I did n't see it but the other day it 's reporting again and it says it 's been a debt since XX/XX/2016. Which it had been paid off and the debt is paid but it 's showing on my credit file and they are still reporting equifax and it 's hurting my credit score
I was recently the victim of an apartment sub-lease scam where I sent money to a fraudulent agent. The perpetrator was convincing and had email addresses matching the domain the apartment, with no warnings in my XXXX indicating they were from a fraudulent source.

We began email communication on XX/XX/2018, and I dispensed funds ~ XX/XX/XXXX and ~XX/XX/2018.

Our exchanges went via email and I transferred {$4000.00} ( XXXX XXXX USD ) through the XXXX   ' service on my Bank of America account, later to learn this was a fraudulent agent displaying false documentation.

I mistakenly deemed this money transfer method as safe, having placed trust on Bank of America ( 5+ year account ), the superb fraud prevention track record I'd experienced with them, and mistakenly assuming 'XXXX ' had transaction protection features such as those of XXXX. I was mistaken ; later to learn this is a salient issue.

The BoA phone assistance politely informed me two days ago they would request the perpetrator to return the funds, and that this is the sole path forward. An unlikely event.

The email and the alleged name used by the perpetrator : XXXX XXXX   <XXXX> The perpetrator 's alleged banking information : Account holder name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX   Swift Code : XXXX Bank name : XXXX XXXX XXXX  address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Home address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX
There was an unauthorized check withdrawal transaction on my personal checking account XXXX/XXXX/15, XXXX. Unauthorized funds released. All my transactions have been returned unpaid and no communication from the Wells Fargo bank.
Pinnacle continues to try and collect a debt I do n't owe. I have disputed the debt with pinnacle credit and I am currently suing them for re- aging this old account on my credit report for the past two years. I have included a copy of the credit report of the account in dispute that was opened in 2010. Pinnacle was notified of this several times as well as the dispute but continues to break the law.
*XX/XX/XXXX- Spoke to Transunion about removing a " Consumer Disagrees '' in the comment section on all 7 of my paid off student loans. * Spoke to Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Spoke to XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I even have a letter from XXXX stating that " All Loans have been paid in full. '' This is truly frustrating as I am now trying to buy a home, and all 7 of the " Consumer Disagrees '' are harming my chances of getting a great APR.
I submitted supporting documents to Equifax to get an item removed from my credit report. The document was an actual court order ( signed by the judge ) in  my favor showing that the debt/case was dismissed that was filed by XXXX XXXX. I'm no longer responsible for this debt/account. Equifax still reported the information as accurate. How is this possible? They actually tried to investigate a fraud claim on my behalf and I did not request a fraud investigation for XXXX XXXX.
I was subjected to systematic and institutional XXXX at Branch Banking and Trust. I requested copies of XXXX checks ( i.e. made payable to XXXX XXXX XXXX that cleared my BB & T Checking Account between XXXX and XXXX and bank officials refused to perform a search for the checks. After bank officials refused to perform the search, I received an email to bring money to any BB & T Branch in order to have the search performed.
I attended XXXX XXXX University XXXX XXXX XXXX, MO in the XX/XX/1990. I admittedly defaulted on my loan. My wages ended up being garnished for, I believe, 10 years. I received notification that my loan was completely paid off and my wages were no longer being garnished. A few months later, I received a letter stating that in fact my loan was not paid off and I still owed in excess of {$8000.00}. This information came from West Asset Management who has since been garnishing my wages ( again ) because I tired of their games. I was told that I could submit various financial forms for consideration of their rehabilitation program. After submitting various documents and being told they were n't good enough, I just quit and figured they could come after me. Which they did. I received another letter in the mail telling me they were now coming after my tax returns even though they 've been steadily taking out a percentage of my paycheck. I do n't understand how I can have paid off all the loan and interest, be told that I had fulfilled my obligation and then have them come after me again for garnishment and tax-returns. They are very opaque in their dealings and do n't make it easy for XXXX to understand just what one 's obligations are, especially as they apply to amounts assumed to be paid. Whether or not I think what they are doing is fair, is it legal? Can I be told that I have no further obligations only to have them turn around and tell me that I do? Is this an endless cycle of me paying off XXXX obligation only to be met another and another until my last day on Earth?
I was in modification with chase bank and they decided to stop the process and foreclose the property without any letter or follow up. The property sold this week and and the new owner sends a letter about moving out within so many days and we had no notice from chase about any of this happening the lawyers never sent any correspondences what right do we have as consumers when big banks just shut the door on property owners without notice.
The original creditor for this debt is XXXX XXXX XXXX. I spoke with them in XX/XX/XXXX and they instructed me to turn instrument in to local music store and said they would remove debt. Debt was originally reporting over {$2000.00}. 

After turning instrument in on XXXX XX/XX/XXXX, I thought everything was cleared as they said it would be. In XXXX, I found out that Transworld ( TSI ) claimed I owe {$390.00} and added that to my credit report! I contacted them and explained I turned instrument in. They told me everything was fine and it would be removed from report. I called back because it was not removed but was told they could not talk to me about this issue anymore because XXXX XXXX XXXX ( XXXX ) was handling this account. 

I spoke with XXXX  and sent them proof of receipt for returned instrument. They in turn sent a bill to me for over {$2100.00} when TSI is reporting {$390.00}. I called and asked them to provide in writing the details that could sum my owing what they claim. I scanned to them proof that TSI is reporting {$390.00} on XXXX XX/XX/XXXX. 

My initial conversation started with XXXX on XXXX XX/XX/XXXX. They always transfer me to about 3 to 4 different people per call before getting some type of information about this debt. They end up telling me that TSI have been contacted with my concern and they were waiting to hear their response. I have scanned them what TSI is reporting and they said they will contact TSI again with this information. 

I am exhausted dealing with this debt that has been taken care of. If TSI is reporting this account then why is XXXX involved which is a collections company as well. I would like this removed from my credit report. 

Thank you in advanced!