WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I opened a checking account online with Wells Fargo. I used my prepaid XXXX to fund the account with {$25.00}. Then on XX/XX/XXXX a young lady named XXXX XXXX contacted me about opening a savings account. I agreed and gave my XXXX info again to take {$300.00} and opened the savings. On XX/XX/XXXX another {$300.00} was pending as if she ran the transaction twice. I went into the branch on XX/XX/XXXX and was told that because they didn't SEE the pending charge i would need to contact XXXX. The banker also GUARANTEED me that my account was funded and in good standing and the {$300.00} was available to use. I did contact XXXX and was told that if Wells Fargo didnt deduct the funds it would be released in 11 days which i believe was the XXXX of XXXX. Now on XX/XX/XXXX another {$300.00} came out of the Wells Fargo savings account. I contacted the bank 8 times ; XX/XX/XXXX, XXXX, XX/XX/XXXX, 3 times on XX/XX/XXXX and twice on XX/XX/XXXX. Each time i was transferred and given a case number. If they listen to the calls there was a guy on XX/XX/XXXX or XX/XX/XXXX that said someone from the BANK initiated the " {$300.00} dispute '' on my behalf. I told the guy i never made a dispute so he made a dispute for the dispute they claim i made. I was then told on XX/XX/XXXX that it was in fact XXXX who made this {$300.00} dispute. I called XXXX and confirmed it was NOT them and told Wells Fargo I can provide proof or to CONTACT XXXX on a conference call and id verify. They instead refused and sent me a letter saying call XXXX which i already did and had them email bank statements to prove it was and is not them taking the money.
I have contacted this company in regards to a bill that was owed. I asked for validation and this is what they sent me. None of the information was in my name. I clearly shows it was a application in XXXX XXXX. They changed the name to XXXX XXXX. When I explained that was not me she stated yes it was and we had a argument. I asked for validation forms of my name and social on the paperwork and this is what I have received. Again the name and social are not mine and yet they entered this on my credit report and I spoke to them. I do n't even know the address listed on the application. They sent the correspondence to my PO BOX . Also, since action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
On  XXXX / XXXX / XXXX , after telling the company not to contact me on this matter ON TWO PRIOR occasions, I received a collection call from a representative of Navient attempting to track down a step-child of a marital relationship that was terminat ed TWENTY-FIVE y ears ago.     I have advised this organization that I do not know where the person resides and I have n't seen or heard from the child or her mother since  XXXX .     Additionally, on this same date my wife received a phone call from Navient as well on this matter.     This is harassment and I demand it stop immediately.
In XX/XX/XXXX, I was told by XXXX XXXX told my that my financial aid refund would be in my account ( stipend ). I was in need of my money because I was using a loaner computer, and I needed a new computer. She told me it would be in my account by XX/XX/XXXX. It was not there. Ms. XXXX told me that my federal loans paid on XX/XX/XXXX, but I still had a balance owed on the tuition. After that I was left with {$88.00}. She said they were waiting on my Pell grant to refund me for the computer and living expenses, which she promised me that it would be there any day. My Pell did not come until XX/XX/XXXX. In between that time they had told me they could expedite my funds. I am not sure what I am paying for, since they do not supply me with any award letters showing the balance I was awarded in loans for the any school year. I talked to her last week, and she told me that I get my check mailed on XX/XX/XXXX. Now I am being told that my check will have too wait another 14 days, it is a process, which they can not explain, nor do they have any administrative policy on how refund ( stipends ) are allocated to students. I have a XXXX GPA, I have been in this program for 1 and 1/2 years, I took a break, but I am a good student, so I do not understand why I am being placed on hold and I need my funds. The financial aid workers seems like they are making promises and will tell you anything to get you off the phone. There are no clear policies on how this financial aid refund process works. Most school have defined polices on how refunds ( stipends ) are reimbursed to students, they seem to have a willy nilly policy. Although they have a campus in XXXX, the financial part must be in XXXX, and they allow XXXX students to pick up their refunds ( stipends ) but will not allow me to drive down from XXXX to pick my stipend up. There is no policy on why I as a student am not allowed the same benefits as XXXX students, in regards to picking up my refund. I was also given the phone number for the financial aid director, who supposedly will release my funds, but she is conveniently on vacation until next week ( XXXX ), meaning that my check may not be released until XX/XX/XXXX. I graduate in XX/XX/XXXX. I would like to see award letters for each financial aid calendar year, I feel that they have kept some of my funds.
My bank has placed a foreclosure date on my home. I have placed my home on the market and we finally received an offer which was presented to the bank and denied due to the foreclosure date I also submitted my documentation requesting for a mediation which were submitted late due to lack of knowledge by the person helping us save our home, a date of XXXX XXXX, 2015 has been giving but my bank continues to proceed with the foreclosure process.
I contacted Broward Adjustment Services ( " BAS '' ) by phone to pay an outstanding debt that is owed to the University XXXX XXXX medical facilities. On XXXX XXXX, 2015, I authorized BAS to withdraw a payment from my checking account in the amount of {$480.00} - to pay the total amount due in full. I was informed that my receipt would be the statement from my bank. In addition to the bank statement, I requested that BAS send me a written notice confirming that the payment was made, and that my account with the collection agency was closed. The representative who I spoke to that day updated by contact information, and confirmed that a confirmation would be mailed to my mailing address. 

On XXXX XXXX, 2015, when I checked my bank account to see whether the payment had been made to BAS or the University XXXX XXXX, I noticed that the {$480.00} was withdrawn from my account. The issue arose when I looked at the check that was written by the agency, and realized that BAS had written the check to be made to " XXXX XXXX XXXX XXXX XXXX. '' This is not the correct payee. 

I contacted BAS today, on XXXX XXXX, 2015, to inform them that they wrote and processed the check by sending the payment to the wrong payee. The representative who I spoke to, XXXX ( Last Name Unknown ), told me that the bank statement was my receipt and refused to provide me with information as to whom the payment had been made. She also refused to send me confirmation in writing that my account was closed, and that the debt had been closed. I explained to her that the statement can not serve as a receipt being that it shows that a payment was made to the wrong party. If the creditor was to seek confirmation of payment from me in the future, I have absolutely nothing that definitively states that the payment was made to BAS, or the University XXXX XXXX.
On XX/XX/2018 I called XXXX XXXX XXXX XXXX and requested my XXXX and transunion credit reports both of which I am entitled to free.It is now XX/XX/2018 and I have received neither. I called the above given number to check on the status of mailing of these reports and there was no such function.
Original CFPB complaint number is XXXX requesting NAVY FEDERAL to validate/verify the claim that I owe them the debt of two credit cards according to the FDPA ( Fair Debt Collection Practices Act ). I mailed the first Notice of Dispute on XX/XX/XXXX for one credit card and the other Notice of Dispute on XX/XX/XXXX for another credit card via USPS Registered Mail. NAVY FEDERAL received my first Notice of Dispute on XX/XX/XXXX and the second Notice of Dispute on XX/XX/XXXX. This Notice of Dispute was to have NAVY FEDERAL  to verify under oath that the credit card debt they claim I owe is a valid claim by signing the enclosed affidavit and/or addressing specific points in the notice and/or furnishing information that validates the debt. Although NAVY FEDERAL did respond to the Notices of Dispute ( s ) within ( 30 ) days ( XX/XX/XXXX and XX/XX/XXXX respectively ) they failed to verify and validate the debt. Response letters simply stated, This is a valid debt, and you remain responsible for its repayment with no signed affidavit, no explanation on their conclusion and no actual validation or verification evidence sent to me. Hence, this debt was not verified/validated within ( 30 ) thirty days and should have been removed from all three credit reports but has not. This is a violation of the FCRA ( Fair Credit Reporting Act ). Additionally, NAVY FEDERAL was not consistent in placing a notice of dispute on both accounts under dispute with all three credit bureaus within the required ( 30 ) day period. This is a violation of the FCRA as well.
On XX/XX/XXXX I called Experian about an ongoing issue with my Credit Report for in accurate items that are listed on my credit report. I talked to a representative named XXXX from team edge for XXXX minutes and XXXX seconds. She went on to tell me that the incorrect account status that I 'm viewing is n't the same thing that she is seeing on Experian 's system, which is a charged off account with the bankruptcy notation. I have XXXX accounts that are listed under bankruptcy that are supposed to be deleted after 7 years of the discharged date. These accounts list that they will be removed XX/XX/XXXX. These accounts are still listed as negative items after my discharge. I then asked to speak to a Supervisor and she stated within XXXX seconds that there was n't one available. I then told her that I recorded our conversation and she immediately said that I did n't have a right to do so, but that Experian records all phone calls. I asked for the CEO and she refused to give me that info but gave me a pone number to call. My rights have not been abrogated.
The following accounts being reported by Experian are fraudulent and do not belong to me. I have tried to dispute these items twice and they have verified them to be mine through an incomplete investigation. XXXX and XXXX have already removed these accounts from my record after verifying they are not mine : XXXX XXXX Account # XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXk XXXX Account # XXXX XXXX XXXX Account # XXXX
Experian Report # XXXX XX/XX/18 Does not list my Former & Current Employers but on Report # XXXX Dated XX/XX/18 it list Employers Still missing since Report # XXXX Dated XX/XX/18 Nurse Finders & Staffing Plus I have even sent a copy of my XXXX and still no update this has been going on now for over 5 months with current Employers and Experian has not updated nothing. 

No Former or Current Employers showing on page 19 of 20 report # XXXX nothing showing End of report Current Employers : Staffing Plus Nurse Finders Starling Charities All other Employers are Former
On XX/XX/XXXX a debt from XXXX being handled by XXXX XXXX was added to my credit report. I disputed it with all three credit companies. They were told it was verified by XXXX XXXX. They suggested I contact XXXX XXXX. I did contact them and was given no specific details. They couldn't even give the amount of original loan. They could not provide me with the address of XXXX. All they could provide was the total amount due with no explanation of details. This is a company I have no knowledge of. I was in the XXXX a lot in XXXX when this loan supposedly was taken with XXXX XXXX that I would not have been able to even apply for an online loan. My former XXXX email was used is what they told me. I haven't used that email in years.
I 've been paying my Navient college loan payments ontime via the Internet. It was a place where I could see my bill, plan future payments and budget. Last week Navient blocked my access to online services saying that if I do n't take the clause to not have them call me off my record, then they will not give me online access. They are saying that I must pay over the phone and are charging me for this. Again, I not only make my payments ontime, I over the most minimum amount.
I only found out about Equifax 's hack from news sources and checking their site I see I was one of the affected with no one reaching out to let me know, even though the breach occurred weeks ago. The website then automatically enrolled me in their one year identity theft protection services without my consent at all! This identity theft service is incidentally owned by Equifax and as of XXXX XXXX their TOS includes a clause not allowing you to use a class-action lawsuit. My information was already stolen without anyone informing me and now I have been auto-enrolled in a service I do not want with a clause I do not agree to as I fully intend to legally engage Equifax over this. This whole situation has been handled terribly and the company has not attempted any legitimate recourse.
I would not make any complaint if it happen only 1st time. However, it keep repeating and kind of abuse my account. 1st time I purchase my house, my family and relative send me check to help me to buy house. Right after I deposit check, Chase withdrawn money from donor account ready but they keep placing holding for 7-11 days more. I have patience to wait to clear. Then, I wrote check out to title company to make initial deposit. They said my account insufficient. Even though amount is over than what I wrote. I have to call them and they said they release now. 
This is second time, I deposited money and they withdrawn money from payer ready but they emailed and said place it on hold again. I know that sometime big amount can make them money and cause for being greedy to treat customer in the way as they stupid. If I dont file dispute, they would do same as next and few. I have bill to pay but they put on hold too long and I dont think appropriate while they took money from another out and place on hold. Do you think it is fair while I have to pay for late charge credit card even though 1 days, another bill. Any rule and regulation for them???
Early this year, I had inquiries deleted from from TransUnion credit report and recently noticed that they were added back to my credit report without any notice provided from TransUnion. This has been detrimental to my credit score. Also, I disputed several accounts that I asked to be verified that I have no knowledge of without success ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ). I also have XXXX accounts that were paid from XXXX that are still listed negatively on my credit report. Lastly, I have numerous accounts reporting from the department of education that were consolidated several years ago and appear on my credit report twice ( both as consolidated loans and stand alone loans ). This is having a major inpact of my credit and my ability to finance a home for me and my children.
XXXX Closed my credit card and I disputed it without any valid reasons. My husband joined a freedom debt relief to help him and they chose to cancel anyway. I disputed for 2 years. I gave up and then XXXX sent my account into collection with a company called GC Services Limited Partnership acct # XXXX at XXXX XXXX XXXX TX XXXX. 
I have been paying my XXXX CC that is closed with auto payment from my XXXX Checking account I have had for 19 years. I have never missed a payment nor been late they have been pulling the payments out each month. XXXX reported that I did not make my payments in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. They then reported my account as a charge off since they have been reporting my account was not paid. The result of these late reporting, failure to pay and charge offs have caused my credit report score to reduce by over 100 pts. 
I contacted XXXX, GC services by phone, mail and fax numerous times. 
I contacted GC Services as XXXX would not speak with me to get a resolution. I asked about settlement because I wanted to purchase a home. XXXX XXXX failed to tell me if I did that it would impact my credit report negatively. I made a {$830.00} payment directly to GC Services and still continued my monthly payment. I contacted my real estate agent to get advise about what GC Services told me and she advised me not to do so I contacted XXXX same day and told him I did not want to settle that I would continue making payments. He said okay no problem but advised me incorrectly and said there was nothing he could do. 
XXXX sent me this letter I will attach on XX/XX/XXXX stating information I sent was wrong. The payment history from my bank account I will attach.
In the past, WFFNB/  XXXX   XXXX   has called multiple times a day regarding a debt they claim we owe. We asked multiple times for paperwork that stated the amounts owed which we never received. I have since disputed this debt twice online. Both times my credit report updated that " consumer disputes debt '' and I never received anything verifying the debt by mail or email. Since the disputes were filed the phone calls have ceased all together. I have sent a pay to delete letter to the address listed on my credit report for the company a month ago with no response as of yet. I have also attempted to contact the phone number listed for the company on my credit report but that is an invalid phone number.
On XX/XX/18 I applied for a XXXX XXXX credit card on line through XXXX XXXX. A credit report was pulled and I was denied due to the fact I didn't have an active cell phone at the time for some sort of verification. This policy was not disclosed at the time of my application thus pulling a Fraudulent credit report by XXXX XXXX. I was instructed to go to the store for verification and processing. On XX/XX/18 I did so and was approved for a {$500.00} dollar limit. My purchase was for a higher amount and I requested a credit line increase at the time. The operator at XXXX XXXX said she would have to look at my report to make a determination. I was told multiple times that the conversation was being recorded. I told the operator that if it required a second credit report being pulled that I would not be interested in the increase. She assured me that this would not be necessary. My credit line was increased to {$2500.00} and the next day was informed by XXXX XXXX that I had a second report pulled. I tried a dispute with Equifax and twice with XXXX XXXX XXXX  and was told that it was accurate and that there was nothing that could be done about it. I contend that XXXX XXXX  credit process is Fraudulent and they pulled 2 credit reports against my direct verbal recorded instructions. This is another example of a big bank running over a small consumer.
I 'm a senior citizen, and have been trying to lower my payment with OCWEN Loan Servicing , LLC . This company has lied to me. Their costumer service representatives play games when we call to find status on the my loan modification. They keep me on the phone for hours and they seem to be playing games, asking questions that do not make sense. They never want to escalate my case. 
I submitted ALL required documents for a loan modification, at the end I was denied the lender gave me 2 reasons for denial. 
1-The owner of the loan does not do loan modification. 
2-The loan modification was denied, because the borrower did not receive all requested documentsI sent out ALL requirements documents, I have a copy of everything I sent for the loan modification
I recently checked my credit reports and saw that Ally is reporting that i was 30 days late in XXXX on XXXX and XXXX, but on XXXX it shows i was 30 days late in XXXX. I dont recall ever being late at all.I disputed the inaccurate information with all 3 credit bureaus and they are still reporting the mismatching information to the bureaus.
I 've repeatedly told XXXX XXXX XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX XXXX here in XXXX XXXX. Someone created this loan in my name and XXXX will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX 'S CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney XXXX XXXX XXXX number XXXX. Feel free to contact me at XXXX
on XXXX XXXX i got a statement from American express for XXXX i call them and ask why they say is the annual fee so i tell them to cancel they offer me another credit card with no annual fee i accept it but they did n't told me the fee is not totally cover i still need to pay for XXXX until i got the monthly statement i found out i still owe it i call customer service to cancel the credit card they say ok ask them the account is clear the guy say yes but this month i got the another statement they say i still owe that amount i call them they say they never told me that.
EQUIFAX IS NOT REPORTING MY MORTGAGE INFORMATION, CALLED SPOKE WITH THEM AND SPOKE WITH XXXX HE SAID FINALLY GIVE IT 30-60 DAYS BUT HE COULD NOT ANSWER WHY IT IS NOT ON THERE NOW. I HAVE HAD THIS MORTGAGE FOR AROUND 15 YEARS AND NO EXPLAINATION WHY IT IS NOT THERE NOW. I CALLED MY MORTGAGE COMPANY AND THEY TOLD ME THEY SENT REPORT XX/XX/2017, SO I CANT GET A STRAIGHT ANSWER WHY EQUIFAX HAS NOT REPORTED ANYTHING, THIS IS HURTING ME GETTING RE-FINANCE OF MORTGAGE AND CAR LOAN. I FEEL LIKE THEY COULD GIVE ME REASON WHY BUT HE COULD N'T. XXXX HAS IT, XXXX HAS IT BUT WHY THEY DONT I DONT KNOW. I WANT IT FIXED NOW! 
THANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INDIANA XXXX ATTACHED IS FROM XXXX AND THE OTHER PAGE IS FROM HOME LOAN APPLICANT
XXXX very rude and harassing people at my work a guy named XXXX called random numbers got one of my co workers and asked for me. I agreed to pay XXXX a month and next thing you know they drafted XXXX from my account.