WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 the collection specialist for Wells Fargo bank by the name of XXXX XXXX contacted me in relation to settling and discharging a debt. I emailed XXXX XXXX a copy of a XXXX XXXX dollar bond that I have on file with XXXX and XXXX XXXX finance statement that I have on file with the court. The bond gives me the legal right to set off debt pursuant to IRS XXXX form and the financial accounting standards board law. The bond was accepted on XXXX XXXX, 2016 by the XXXX and was sent by registered mail with return receipt. The XXXX never disputed the bond for the purpose of discharging debts. XXXX XXXX was extremely rude and obnoxious over the phone and made false accusations stating that my bond was erroneous. XXXX XXXX is not in a position to make a determination if the bond is erroneous because he is not a lawyer or judge. In closing, XXXX XXXX refused to fully allow me to explain the purpose of the bond and he hung the phone up on me. XXXX XXXX XXXX phone number is XXXX. XXXX XXXX should not be working at Wells Fargo Bank because he is disrespectful and has a hostile personality trait. Bank representatives are suppose to treat there clients with the upmost respect regardless of their disagreements with customers.
After several certified letters stating the information regarding the trade line was wrong I only received print outs that the information was correct. I received the exact same response after XXXX more requests for complete investigation. They did not send any information regarding the history or origination. This is not my account.
My original creditor advised me to contact HCI and make payment to them. I did contact them and started making payments on my own for the original debt. 
This debt collector calls often but hangs ups when I answer or does n't leave a message. I 've already made agreement to make payments for the debt I owe but they are acting strange and unethical by calling and hanging up on me or calling for no reason.
I 've disputed a tax lien that was placed on all of my credit reports. Submitted the police report number and letter of expungement from the state of XXXX. It 's also on case.net as being expunged. It was originally placed due to identity theft. XXXX removed it immediately. Transunion and XXXX refuse to remove the item. They are instead, reporting it as paid. I 've made the dispute with each five times now. Besides, how can I have a tax lien on a property I do n't own in a state I do n't live in? I am from XXXX.
I received a loan from Money Lion aka dba XXXX XXXX in XX/XX/XXXX. I lost my source of income and was unable to make the bi-weekly payments. I called them on XX/XX/XXXX to request that they not draft from my account and was told they were unable to stop drafting until I paid off the loan so I then contacted my bank and put a stop payment on the account. 4 and explained that I asked them to stop drafting from my account which my contract says I can do over the phone. Months later this company drafts my account twice on XX/XX/XXXX for {$270.00} and XX/XX/XXXX for {$230.00} ... Keep in mind my payments were {$63.00} every two weeks. I then called my bank disputed the charges and requested that my bank block them from drafting from my account. XX/XX/XXXX CHECK # XXXX was processed for {$500.00} I contacted my bank and was told because I owed them they have the right to go into my account a withdraw any funds they wanted. Even though I revoked their authorization to do so. I bank with XXXX. This money was for my rent that I now do not have and basically, I am being told by my bank that any creditor I owe can just take the funds out of my account if I EVER gave them authorization regardless of the fact that I revoked it.
This is regarding Ocwen mortgage company. My father passed away and willed his home to me. I filled out a loan modification form and submitted documents to Ocwen. That was XXXX XXXX. Some months passed I never heard back from Ocwen, so I called them only to find out that the loan modification papers were never processed due to the fact that I had to fill out forms for an assumption for the mortgage first. I was never informed until I called and initiated communication with Ocwen. I can not get an answer to any of my questions. Ocwen dropped the ball now they are covering up this mess by trying to foreclose on my home which is under water. Plus I sent them XXXX XXXX XXXX XXXX a good faith payment of {$5000.00} when I was in debt to them for {$8000.00}. Instead of applying the payment to my account, they had the nerve to send it back to me because it was not the full amount. So basically my debt would have been {$3000.00}. This company created this mess, will not correct the problems and could care less!
I just recently received a copy of my credit report. I have filed a Identity theft report. I was XXXX for 5 years. I noticed multiple accounts that were opened while i was in XXXX. I did not open these accounts or gave anybody permission to open these accounts. Please remove these accounts as do not belong to me. 
accounts are XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
On XX/XX/XXXX I faxed a cease and desist letter to the receivable management @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against the receivable management. I requested that ability recovery services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from the receivable management and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.
XXXX. I have yet to receive a form XXXX from Wells Fargo, and they are clearly in violation. I have requested that all documentation, monthly statements and communications be mailed to me via my mail address on file. Yet every year without fail Wells Fargo does not send the XXXX via XXXX. 
XXXX. In XXXX XXXX 2017 I received a notice from Wells Fargo Stating that payment was late for the month of XXXX and that a late charge was being levied. I was further instructed that payment was due on the XXXX of each month and only as a courtesy they were tolerating a 15 day late period. 
o My VA loan closing statement clearly states that I have up to the XXXX of every month to make payment without penalty. That is a part of my contract with the Veterans Administration and not a " courtesy ''. It is contract. 
o I received a XXXX 2017 notice from Wells Fargo Stating that a shortage was detected in the Escrow Account, for the amount of XXXX and that if I paid the amount by XXXX 's payment my new payment would be XXXX I sent Wells Fargo, Checks for XXXX ( ck XXXX ), XXXX ( ck XXXX XXXX and XXXX ( ck XXXX ) which total in excess of the XXXX Escrow account Mortgage account combination by XXXX Less the XXXX " shortage amount '' leaving a refund due of XXXX ( please send refund for the amount of XXXX ) o I have written repeatedly about the " unapplied '' funds account that appears to be used as a paper front. I write checks that say either principal & Interest only or escrow only and Wells does not deposit them in either but liquidates them in an " unapplied '' funds account, which has no balance sheet. Then Wells deducts the amount they choose, leave and unchecked balance in the " unapplied '' funds account. The balance in the account is never applied to either account Mortgage PI nor Escrow, yet there is a paper front that it exits. It would not surprise me to find out that this money is being used to support other accounts not related to mine. If Wells were to place my money where it is designated then there would not be a false late fee alert or charge, or any " unapplied '' account.
They refuse to accept the fact that I'm not liable for the medical bills that was supposed to be paid by the insurance company due to an automobile accident Lawsuit.
Hello, 1 ) On XX/XX/2018, I gave written notice to XXXX XXXX XXXX in XXXX, MD to immediately cancel my membership with the club. In XXXX, I began getting contacted on an almost daily basis by XXXX XXXX XXXX saying that my {$81.00} membership fee for XXXX was past due. I contacted XXXX XXXX XXXX in XXXX and was told that even though I cancelled my membership in XXXX, I still owed the {$81.00} membership fee for XXXX because of a 10-day notice clause they said existed in the contract. 

2 ) On XX/XX/2018, I mailed an {$81.00} check ( # XXXX from my XXXX XXXX XXXX account ) to XXXX XXXX and included the billing notice they had mailed me about the membership fee. I also noted that I had cancelled my membership in XXXX and stated this was the final payment for my cancelled membership as paying the XXXX satisfied the alleged 10-day cancellation clause. 

3 ) This check was cashed by XXXX XXXX on XX/XX/2018, with the following notation stamped on the back of the check : XX/XX/2018 - XXXX - XXXX For Deposit Only XXXX XXXX XXXX 4 ) After the XX/XX/2018, cashing of the check by XXXX XXXX I responded to yet another mailed billing statement from XXXX XXXX with a notation that I have already paid the {$81.00} bill and the check had been cashed. 

5 ) However, XXXX XXXX continues to call me with recorded messages on my cell phone and home phone and continues to mail written billing statements on behalf of XXXX XXXX to my house demanding that I pay the original {$81.00} bill. 

I would be happy to provide you with copies of the check payment of {$81.00}, a copy of the cashed check with the deposit information for XXXX XXXX, and copies of the continued billing statements they send me. 

Thank you for whatever assistance you can provide to put a halt to this continued harassment at my home by XXXX XXXX and XXXX XXXX XXXX. 

Best, XXXX XXXX
I got a vehicle loan at XXXX XXXX XXXX XXXX XXXX, in XXXX, MO, which was financed through Wells Fargo Dealer Services, on XXXX XXXX, 2015, according to my loan documents. I called yesterday, to try to make the current interest payment and a {$500.00} principal reduction on my loan, but Wells Fargo does n't have any record of the loan in their system yet. I called the dealership, and was told that the loan has n't been completely processed and funded yet, and that my payment is n't due until XXXX anyway ( which is utterly beside the point ). I called back to Wells Fargo and asked if I could make a payment, using my name and SSN, and have it applied with an effective date, once they receive the paperwork. I was told that they could not do that because the loan may not even go through them. I offered to send her a copy of my documents showing that Wells Fargo was the lender, and she said it did n't matter because they had no record of the loan. I asked if I was the accruing interest, since they did n't have the loan yet. I was told that the loan would be accruing interest as of the date of the contract, but it did n't matter, because the interest charge was calculated on the date of the loan. After explaining interest accrual to the nice young lady, and how principal reductions affect the accrued interest, I asked to speak with a manager, and was told the same thing by her. They will be charging me interest from XXXX XXXX, but as of XXXX XXXX, they are refusing to accept a payment, which would reduce my daily interest. At this point, the difference is only {$0.00} a day, but if you take that XXXX cents times all of Wells Fargo 's customers, they could be making a pretty sizable chunk of change over the course of a year. I 'm also going to be receiving a good-sized check from my insurance company for the replacement cost of the vehicle we totaled, and will be wanting to apply that to the loan also. If they are n't in any hurry, because my XXXX payment is n't due until XXXX, I could be out a good amount of money by the time they decide to process my loan. As someone who works at a bank, I know that there are consumer regulations that state how loan payments have to be applied, and that it has to be done in a timely manner and such. Since they 've not actually " funded '' the loan yet, am I just stuck in no man 's land? What recourse do I have?
Lowes promised me that the XX/XX/XXXX interest amount of {$240.00} would be credited back to me a few months ago and after numerous attempts to get this credited, they keep giving me different answers. I used the email system on their website only to get a scripted message about interest, which I understand. I used the chat service only to be cut off, told wrong information, told the XX/XX/XXXX interest was for the month was waived ( Even though I said over and over it was the XX/XX/XXXX interest for XX/XX/XXXX ) and told to call a different number after a different number. Ive spoken to managers who said they could do nothing, associates the same and each time I was clear, that I was told, by one of their reps, that my purchases were not applied correctly to promo 's. THEIR rep agreed, told me they would refund that months interest and still nothing. They promised this as a resolution and I accepted. Yet, no person can help me get this fixed?
XXXX, Equifax and XXXX are NOT reporting or do NOT have accurate and current data on my VA Home Loan with XXXX and it has caused a XXXX-XXXX point drop in my credit score.
This debt was paid in full in XX/XX/2017, for about {$220.00}. I verbally asked over the phone before settling this debt that in exchange for my payment, they delete this account which was ( and still is ) negatively reporting on my credit. I held up my end of the agreement and paid, but they did not hold up their end of the agreement. They are still reporting negatively on my credit report under collections, as account settled. This is NOT what was agreed upon and they are holding me back from the benefits of having good credit. I have repeatedly contacted them via phone afterwards to dispute this, but after stating what my problem is each time I call, they then transfer me to another line, then the phone coincidentally gets disconnected. I paid this account and in return this was supposed to be deleted. They lied.
In XXXX and XX/XX/XXXX I'd called Tidewater Finance Company three times to inquire about information posted on my credit report. I'd provided them with my current address ( over 5 yrs here ) in order for them to send me paperwork. I'd sent back the competed documents. I have since written them five times, requesting that they validate the account in the amount of {$3600.00}. However, with my proof of address ( during the time of account opening ), police report and valid drivers license, that Id provided, they have altered the original address and creditor that was noted on the account. 
I've sent five letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) requesting that their office validate the above account by providing evidence that I have any legal obligation to pay. With each letter I have requested a list of validation documentation along with a copy of a signed contract, to no aval. I have received only a paper dated XX/XX/XXXX that is titled Payment History with blacked out details ( i.e. address, phone number, birth date ).
Several of my relative and employer received a call stating there was an arrest warrant out for my name if they know my where abouts. I called they claim they were a mediation firm there was a debt in my name from XXXX that I knowingly defrauded the company. I asked them to verify the deb by sending a letter of verification they just said they would send a subpoena to my home and hung up.
Over the pa st three years Navient no w has my loans, and every time i call them to find out options considering my situation, they always fail to help me. I try to get information from them and i feel that they hesitate to really explain how each option can effect you, also are not clear at giving you numbers if i ask for them, they just tell me we wont know till you apply for that or apply for this. I called again this morning just to find out more information on my loans, and they give me the run around. The are not clear on giving you information, they sound like robots, and since this is a sensitive subject for me, they are not kind. Also i asked if i can join certain payments together or i have no idea how they decide to separate my payments, so i am able to bring my principle down. I feel with navient my principle just goes up and up, and they only give me an A or B option. I know there is more that can be done, or at least know what my options really are so i feel that i am at least making a dent in my student loans. I have complained may times to navient, that they dont have enough options for me and all they say is sorry, this is all we offer. I dont think this is true cause i feel other people dont feel this way in other companies.
we have been in house 15yrs and sold 4 or 5 times and started with XXXX XXXX who started this mortgage crisis then XXXX XXXX a shell company of XXXX XXXX then to XXXX XXXX owned by XXXX XXXX XXXX from XXXX scandal then to thier buddy fay servicing and XXXX XXXX  who worked with XXXX XXXX at XXXX everyone has refused to refinance us to a lower rate. they have increased our loan by $ 400- {$500.00} dollars for no reason. we put so many refinance applications in with XXXX XXXX that my mom had to put house in my name so we could try and get problem solved but they avoided and lied constantly to me to and then sold us to fay servicing tried to put us in foreclosure back then payments wrong place no notice said 20 times would help they have done nothing. i have asked for harp loan help they laughed said not eligible i asked them XXXX XXXX and fay to put in writing why not eligible and why eligible to pay {$2300.00} a month with escrow and do not qualify to pay {$1400.00} like every one else and we have been here 15yrs. when is someone going to put one of these crooks ruining American dream and American values going to federal prison. this is a complete joke they even have license to still sell property 's. The guy at fay he was very nice but of zero help. He towed company policy line at every turn and would tell us not eligible for nothing. All these company 's have been major players in mortgage crisis so i think we have a good case if all 4 have have fines for fraud and XXXX people out of house and you just fined fay $ XXXX. the road i am on and many other Americans caught in this trap need help. I guess they will claim I am the one loan they did right with all this fraud. please help thanks again have a good one
This account had previously been disputed and removed from report. I guess another company acquired it and they were given a letter by me explaining it was removed and I again was disputing. I received a letter dated XXXX XXXX, XXXX saying they were ceasing collection. This is the second letter I received from them explaining they were ceasing collection, which I got before the XXXX of XXXX. I received my updated credit report explaining that they re-investigated and the information was said to be true. I did not receive any documents showing proof of their investigation and it is still on my credit report even though the collection agency said they were ceasing collection. My report is dated XXXX XXXX, XXXX which is after the letter from the collection agency. It should have been removed.
I received a collection notice and called right away. I figured I had over looked it as we have many medical bills. While on the phone I was told there were XXXX additional, much older than the notice I called about. I paid the one notice and said I needed to look at the date for the other one. One of those were for my adult son and could not be discussed with me ( a separate complaint is being filed ). 
I called back and left a message to send me a copy of the other bill. I could find one original bill for the oldest of the incidents, but not other notices or attempts to contact us. 
Though I have paid these, I wanted to make the CFPB aware of the tactics, that I believe are aimed at gaining more interest. Over the year or XXXX these bills have gone without notification or contact until now, they have racked up quite a bit of interest. My son 's bill we are still trying to get verification that it is even his. It is very large and we do have insurance and an FSA account, I see no reason why we would have let them go. One could be over looked, but I find XXXX very suspicious. I just want the company 's business practices looked at more closely.
In my review of my credit report on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX is reporting a collection debt account number XXXX to the credit reporting agency. 
I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA to report any collection debt to credit reporting agency in attempts to collect a debt without notifying the consumer.
I refinanced my home in XX/XX/2017 with Quicken loans. My ex-wife was on the previous mortgage and she was also the named insured. Part of the refinance was to remove my ex-wife, XXXX XXXX, from both the mortgage and the deed. During the process of closing, Quicken loans obtained a policy number from XXXX XXXX and paid the amount to XXXX XXXX that was due on the policy. The policy that Quicken loans paid was the old policy that XXXX XXXX was named on. XXXX XXXX had already released XXXX XXXX and when they received the money, they immediately sent it to XXXX as an overpayment. Quicken loans then discovered that they had paid the WRONG policy and sent out another payment for the right one. 
During the Escrow analysis in XX/XX/XXXX, Quicken loans determined that my escrow was short XXXX XXXX XXXX dollars and XXXX cents. Quicken then sent the escrow analysis to me in the mail giving me the option to pay it back over 12 months or one lump sum. I have no idea what the process of refinancing a house is which is why I had an attorney at closing. I did not receive, nor benefit from the money that XXXX XXXX received in error. I have made my mortgage payment on time, and have done everything I should do, and I do not feel that I should have to pay for someone else 's mistake. ( i.e. Quicken Loans, XXXX XXXX, or XXXX XXXX XXXX. )
there was a loan with check n cash and XXXX finance in my name and i didnt authorize a loan in my name. the company did not ask for any address, identification, or income verification. They said it was sent to an XXXX and i do not bank with XXXX. I called the bank but they have no account in my name
TransUnion had 2 separate glitches and my inquiries were deleted and then re-added to my report once the glitch was discovered. I Informed the person at transunion that this occured and I was not notified in writing 5 days prior to re-adding the inquiries to mynreport that they were intending to do so. I requested that all of the inquiries be deleted for this reason and this reason alone from myTransUnion report but was denied and ignored.
TransUnion 's glitch was an internal problem not mines that caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted and wrote TransUnion in good faith to ask them to delete all the inquiries that they had illegally re-added. these inquiries add a hardship and that my rights were violated by TransUnion. please help me make this right.
XXXX XXXX XXXX an account that was removed from my Equifax credit file was reinserted on XX/XX/18 for the amount of {$130.00} without proper notification required by law. What confuses me is the original creditor is XXXX Hospital now XXXX XXXX XXXX is reporting this same said debt. Also, another company by the name of XXXX is reporting this same debt. I have never done business with this company nor have I ever had any contractual obligations with said company or business