WillisBack/dataset-financial-user-claim huggingface dataset:
Approximately 4-5 years ago I took out a loan with Wells Fargo to pay off my credit card debt. From the first payment up until XXXX, XXXX I never missed a payment or paid less than the minimum required of me. In the middle of XXXX, XXXX I became unemployed. I saved enough money to make a couple months payments whilst looking for a new job. The job search was not as fortunate to me as I had hoped or planned for. Given my current situation I contacted Wells Fargos loan department on XXXX XXXX, XXXX to discuss setting up any kind of payment option. This was 19 days prior to my next bill due date 3 business weeks in advance. Despite my literally perfect payment history over the span of many years Wells Fargo was not able to offer any assistance. I was told, ... you must resolve any economic hardship before Wells Fargo can help you. The lady I spoke with asked if I had applied for unemployment, which I honestly did not believe I could get. However, given the fact that Wells Fargo has no policy in place to help those with my situation I figured I would at least attempt to acquire unemployment. I was denied. So again, according to Wells Fargo I am still in a place of economic hardship which needs to be resolved before they can offer any assistance with my loan while I need it. I went into my local Wells Fargo to see if I could speak to a personal banker. I was told, however, they would simply contact the same loan department I had already spoken with and was advised to contact them again myself. 

For the first time in years I have missed payments during XXXX and XXXX. After missing my first payment I was contacted by their collections department in early XXXX, and the gentleman I spoke with again reiterated that there was no assistance for customers who become unemployed. He did refer me to someone else within the collections department and all they could do was ask when I would be able to make my payments. Since then, Wells Fargo has called me multiple times per week repeating the same question of when I can make my now increasing payment. At this point I am still unemployed and can only offer the same response : I can not make my full payment right now and need them to work with me in any way. 

Any attempt thus far to acquire specific information regarding this loan has been unsuccessful. In my pursuit of specific information to provide the CFPB I called Wells Fargos loan department. I was transferred to the collections department and told that I could not be provided my payment history or any information on my own loan because my loan was not current. Complaining to the CFPB set aside, it would be assuring to me to at least have access to my own financial information which I am currently being denied. 

I understand my financial responsibility regarding payment of this loan as I always have. Although, I find it highly unethical and immoral that Wells Fargo has no policies or options in place for those with economic hardship ; especially those with excellent payment history asking for help before the account becomes delinquent.
this company is reporting a negative debt on my credit report i have prev sent in a req to provide the contact i signed and all they have provided is a statement with charges i do not have a contract with them
I received a credit alert in regards to my credit report that Amsher Collections is trying to collect a debt for XXXX. I contacted Asmher Collections, they advised that the account is not at there office put they are the one reporting the account to the credit bureaus. I advised Amsher that I was unaware of the debt and asked them how they got my person information and they referred me to someone at XXXX. I advised that I would contact my XXXX if they do n't remove the account, the representative hung the phone and would no longer speak with me.
I made a purchase on XX/XX/18 in the amount of {$140.00}. I subsequently returned the package. After approximately 30 days I contacted the merchant who explained that they don't issue a credit back to the card but rather issue a check. 
At this point I opened a dispute with HSBC and received a credit on XX/XX/18. 
The amount was charged back to my account on XX/XX/18 because the merchant told the bank they had mailed a check. I never received a check so they will have no copy of a cancelled check with my endorsement or account number. 
XXXX XX/XX/2018 XXXX XXXX XXXX XXXX REF NO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX, 2017 I contacted Chase Auto Finance in regards to my auto loan. I was off work due to an injury and having XXXX in a few days. I asked them if I could have an extension on my monthly payment as my account was in good standing. I would have understood if I was told no- but I was told if I paid a partial payment { which I did pay onXX/XX/XXXX }, that I might could qualify for a deferrment. The woman on the phone told me to pay that and i would get a letter in the mail very soon with their decision. I was essentially planning in advance for not having income and trying to protect my credit score. I was told I did n't have to pay and that I would most likely be approved since I paid the partial payment and it would not negatively affect my credit score. I kept waiting for the letter. I then received a bill that my account was past due. I called them and they acted as such that there was no record of the request for extension. I paid both my XX/XX/XXXXand XX/XX/XXXXcar payment at this point and it was the first of XX/XX/XXXX. I asked if it would affect my credit since I was told it would not. I then got a credit alert that my credit score had dropped 161 points overnight. I then called my lender again and told them that was n't fair as I paid the partial and was told i would be approved for a deferment. I was finally given a supervisor who told me there was a recorded conversation between me and the representative I spoke with on XX/XX/XXXX. She said she would have that dept listen to the call and if it said those things, they would remove the late payment. I was very confident this would be removed as I knew what had taken place. The next day I was called and was told that the recorded conversation did not go that way and they would not remove it. I asked for transcripts or a copy of that conversation as I knew someone was lying. I was told no that I would have to get an attorney and have them subpoenaed. It is very frustrating because I do have a good standing with them. I was trying to plan ahead with my payments so I could defer some accounts while I was making no income. I would have found a way to pay this in full Before I was thirty days late if I was not told I could have a deferment and to wait for a letter that I never received. I paid a partial payment on XX/XX/XXXX, so I was not technically 30 days behind. At the first of XX/XX/XXXX I did catch up the account and paid two full payments. I feel as though them reporting this as thirty days late is extremely unfair as their representative mislead me. I tried working with them to find a solution but they refused to work with me. My good credit has now decreased significantly over this. I want this removed off of my credit report. I was in the process of home buying and due to their error I have had to hold off and try to spend time and effort to fix this.
On XXXX/17 @ XXXX, I missed a call from ( XXXX ) XXXX. I immediately returned the call. I was then asked for my information and I asked what agency had I called. I was told that it was a debt collection agency. The name was inaudible by the female representative. I asked her about the debt and she said it was for XXXX in the amount of {$260.00} and immediately started to ask me abut the course of action that would be taken. I told her that I am not familiar with her company and could she tell me again and that I would reach out to XXXX. This is due to me receiving upward of 50 phone calls daily from robo and scam calls. She told me it was Halstead Financial Services. I also asked her to mail the documentation pertaining to the debt to me She continued to disagree. I tasked her again She told me that they had already sent a letter. I told her that I had gone through my mail and did not have anything within the past 1-2 weeks from them and that I need them to put the debt information in writing. She refused to mail the document and yelled " it will not work under your terms ''. I hung up the phone to prevent further aggressive talk while I was at work. I walked outside and called back at XXXX to get her name. " XXXX '' continued to try to collect the debt and would not provide the name from the notes in the account even after I told him that I was in the process of filing a complaint and that I would add his name as someone that I have spoken to.
The debt is not owed by me I was promised by previous owners of the property due to being threatened on my livelihood I would not be held responsible I also was forced to move out of the property and no where to live! I never received any info until this was blindly placed on my credit the account has been removed from my XXXX report and should be on XXXX and XXXX
SUBMITTED A DISPUTE for an account with a {$200.00} balance WITH TRANSUNION ON XXXX XXXX 2017 SUPPOSE TO BE COMPLETED BY XX/XX/XXXX. I CALL THE CUSTOMER SERVICE NUMBER FOR transunion AND THEY REFUSE TO TALK TO ME ABOUT MY ACCOUNT BECAUSE MY ADDRESS IS WRONG IN THEIR SYSTEM. DISPUTE HAS NOT BEEN ANSWERED.
Transunion File # XXXX page 4 of 10 XXXX XXXX XXXX XXXX is to be removed XX/XX/2018 and I have not received a copy from Transunion on an updated report removed
American Home Mortgage was the original company on file in the courts. There was a Bankruptcy Chapter XXXX filed by an Bankruptcy Lawyer on XX/XX/XXXX which included the home to be surrendered. The Chapter XXXX was discharged. Then to followup the Bankruptcy Lawyer filed Chapter XXXX on XX/XX/XXXX which again included the home to be surrendered. The Chapter XXXX was completed XX/XX/XXXX. During the 7 years of bankruptcy Ocwen Loan Servicing has been sending me mortgage statements. I kept asking them why they are not foreclosing on the home because no one was living there and we had surrendered the home in all of the court documents! 
Now after multiple phone calls from them they are telling me they have reinstated the loan XX/XX/XXXX ( to which the Bankruptcy Lawyer said they can't do that because the courts relieved me of the note/mortgage ) now my credit score is being attacked by over 180 day late reporting and on XX/XX/XXXX they reported a Deed in Lieu/Bank liquidation on the credit reporting and sent me XX/XX/XXXX a Notice of Default and election to sell under Deed of Trust. All of this should have been done  after 3 years into the bankruptcy now it is over 7 years and they are now going thru the process and reporting it all on my credit! 
What can I do about the reporting and getting it off my credit report do to there negligents.
I wish to file a complaint against Specialized Loan Servicing ( SLS ) regarding a loan modification. I had a foreclosure sale date of my home on XX/XX/2016. I contacted a HUD representative and they stated to file for Keep Your Home California ( KYHC ) Mortgage Reinstatement Program ( MRAP ) to bring my mortgage current and file for a HAMP. I worked with one point of contact and she knew I had applied for MRAP and HAMP. SLS approved the trial payments for the HAMP and KYHC approved MRAP and funded {$50000.00} to SLS on XXXX/XXXX/16. I had made XXXX trial for XX/XX/XXXX and XX/XX/XXXX and when I was funded, my KYHC MRAP, the XXXX trial payment for XX/XX/XXXX was paid off with the MRAP. On XXXX/XXXX/16, received my Hamp modification documents ; these were the official mortgage modification with my new mortgage payment and the HAMP loan terms were based on the MRAP applied to my account bringing it to current. I signed the HAMP Loan Modification documents, had them notarized and sent them back vis XXXX and received on XXXX/XXXX/16. 
My XXXX payment of my new HAMP mortgage was due XXXX/XXXX/16. When I went to pay online, my loan was different than what I had signed and agreed to. When I contacted SLS they informed me that on XXXX/XXXX/16 I contacted them and requested for my HAMP to be canceled ; the MRAP was still in place. SLS also stated that they had sent a letter to my home. I informed SLS that I did not contact them and request for my HAMP to be canceled. I asked time did I contact and with whom did I speak to ; every contacted is logged in their system. SLS stated that there was no representative I spoke to on XXXX/XXXX/16 and the notation that I contacted SLS to cancel my HAMP was computer generated. When I asked why this had occurred the represented could not give me an answer. Also, online there is a link to correspondence from SLS to me and there was no letter from SLS about this situation as the representative had stated. Because I missed the XXXX/XXXX/16 payment, that I was unaware I was to make, I received a default notice on XXXX/XXXX/16. It takes 3 late payments for default filing. Every conversation I have with a representative, I receive completely different solutions and responses. 
I requested what I could do to remedy this situation, it was suggested that I reapply for the HAMP. I 'm not guaranteed that I will receive another HAMP. 
The resolution is that I would like to review of this situation as to why my HAMP was canceled. I would like documentation of any policy that SLS has regarding having my HAM, documentation that I indeed contacted them and have my HAMP reinstated.
Navy Federal has locked my access to my account due to an attempted XXXX money transfer. Navy Federal staff refuses to try to verify my identity or to work with me to allow me to get access to my account.
Security Credit Serv/   XXXX   XXXX  has a collection on my credit and i have no idea who this is or where this came from but this DEFINITELY is not mine. Nor did i authorize my name to be used by anyone.
Today, on XXXX XXXX, XXXX I noticed a couple of additional examples of fraudulent activity on my credit report. Usually I am able to see my credit report at anytime via Experian 's credit monitoring, but over the past few weeks for whatever reason they are having problems being able to access my credit file. 

My concerns are that I have ( XXXX ) additional inquiries from the same third party company requesting my credit file information. 

XXXX, CA XXXX ( XXXX ) XXXX INQUIRIES PULLED ; XXXX XXXX, XXXX XXXX XXXX, XXXX This is the same company that had pulled my credit this past XX/XX/XXXX when I was in corporate housing with my company. I am disputing this as fraudulent inquiries and challenge them or whomever they may represent to prove otherwise. I do know that obviously on both of these occasions my credit file was temporarily opened, but this was because for whatever reason Experian 's credit monitoring service asked me to temporarily lift so that a XXXX credit report could be pulled. While I certainly know that this should never be a problem, I do know that once I did this I was able to receive the ( XXXX ) credit reports from Experian, XXXX and XXXX. This is an entirely separate issue that I will have to come back to address at a later time. 

Please dispute these XXXX inquiries as fraudulent as these are both not authorized. I have already disputed ( XXXX ) inquiries against them in the past ( XXXX & XXXX of XXXX ) and both were successfully removed accordingly. Please remove these. I can be reached anytime at XXXX. 

Regards, XXXX
I have had a private loan through XXXX College for a long time now. I started school bak in 2006 and since then I never found a job with the degree I obtain. I was told I would be placed in a XXXX and that never happen. I was told there was a law sue with XXXX college and that those that were lied to that there loans would be forgiven. I was with XXXX XXXX and then another company after that. Since then I was changed to Navient, who is a very hard company to work with and do n't want to help at all and do n't care to help. Since there are just here to collect the money they do n't care what went on with XXXX they just want there money. I currently owe over 97 thousand, and I am also currently in school right now.
On XXXX XXXX we closed on a brand new home in Florida with Everbank. At the time of closing we were charged for a full year of improved property XXXX {$5100.00} est ) when in reality the Trim notice from the county showed taxes of {$550.00}. The closing statement reflect a credit for taxes of {$220.00} from the builder seller for the first 8 months. 

I have grossly overpaid for the escrow and have been told by the bank this is a XXXX XXXX rule and they could not and will not correct
On XX/XX/2016 I purchased an airplane ticket for the amount of {$1900.00} with my CapitalOne credit card. In XX/XX/2016, I disputed {$500.00}, but the amount actually debited back to the merchant was {$1900.00}. The merchant contacted me immediately, and I explained that this should not happen, but they did send me a copy of the invoice sent from CapitalOne, which shows {$1900.00}. I asked the credit card company multiple times to tell me what it was debited to the merchant and how it can be resolved, but they were not willing to provide me with the actual information. After the merchant threatened to report this to collection company, because the case was resolved in my behalf for the amount of {$1900.00}, I paid the merchant again the amount of {$1900.00}. I asked multiple times CapitalOne to credit me the remaining of the amount of which they debited the merchant {$1400.00} ( {$1900.00} - {$500.00} ), but they refuse to do that. I am losing faith in receiving this amount ( {$1400.00} ), and that is why I am turning to the Consumer Financial Protection Bureau. After contacting the CFPB, the bank returned my money, just to bill me again on XX/XX/XXXX for the same amount with a pretext that I did not provide them with sufficient evidence to receive that return.
I have communicated with XXXX XXXX XXXX  and XXXX & Equifax about correcting the late payments in association with ALL 12 XXXX XXXX XXXX accounts ( associated account # s : XXXX ) as they were never late, further more the dates of the payment history being reported is incorrect and therefore it either must be updated or removed according to FCRA 611 ( 15 U.S.C. 1681I ) ( see attached ).

Accurate account reporting can not simply go from current or paying/paid as agreed one month and then 90 days/120 days late derogatory status the very next month, unless the reported payment history is inaccurate to begin with. I have also attached a student loan document showing the dates of all forbearances which was given to me directly from the data furnisher ( XXXX XXXX XXXX ) which subsequently requires no payment and therefore further supports my stance of the 12 XXXX XXXX XXXX accounts  never being late and the payment history being wrong. There are 4 late payments showing incorrectly. 

Are these companies above the law in which has been stated and expressed in the FCRA? I want these issues remedied now or I will be pursuing legal action against all parties involved as a part of exercising my consumer rights in an attempt to be compensated for the damages that have been caused by the reporting of incorrect information in my credit files.
I have credit monitoring and the Credit Bureau 's notified me of a new account on my report. When I went to verify what it was it is showing a new collection. I am not aware of this and when I review the details it stated a date from XXXX. I have no information about this. No one has contacted me either by phone or mail. This acct was placed on my credit report without proper verification and no communication. I called the Collection agency myself and advised why would you place something on my credit report without contacting me and giving me the opportunity to investigate properly or if this was even mine, they had no answer. This is very disturbing. Your assistance with this issue is greatly appreciated.
Usaa still has not contacted me from the first complaint I file and also they are still reporting miss payment to the credit bureau and its affecting my scores this loan was paid down because usaa sold the car and I never got a chance to get property out of the car that I had in there but every two I get a email from credit bureaU that i have a new missed payment I dont know what usaa is trying to do threaten to try and take my tax return.
On XX/XX/2018 I received an alert that I have a debt. First of all I dont know where this came from. The address listed on this account isnt mine so how could this debt be for me? I have phone services with XXXX XXXX XXXX, I never had any mobile services with XXXX so I am unaware of this error that your company is reporting inaccurately. I have contacted the Police department and this is being investigated as to where this came from. I have filed an FTC Complaint and I am now forced to take legal actions for accusing me of owing a debt to your company. If this debt isnt removed there will be consequences and fines when we are due to be in court I will be suing for damages that you have caused and the distress on my life and credit file. Your company reported an error on my report. I will forward all records of documents to my lawyer and we will begin the process of taking this court immediately. I asked your company to verify and signatures, documents or any contracts bearing my signature along with the steps your company took to verify this debt. I called an explain that this account didnt belong to me and Im unaware of it and the rep told me I would have to pay no matter what. You cant force a bill on a consumer because the name and the social apprears on the account. I am an identity theft victim and I my files have been leaked in the XXXX  credit breach. I believe this may be the reason for this debt. If you continue to place error accounts or information on my credit without doing a thorough 100 % validation that this debt belongs to me then it must be removed by law because youve violated my rights and laws within the FCRA sections 609, 611, 612, 605 and FACTA.
Experian is reporting wrong addresses on my credit report. Please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
XXXX XXXX XXXX is the latest in a series of companies who 've apparently " bought '' very Action Card accounts. I 've told them repeatedly I 've not had an Action card since XX/XX/XXXX, which I paid off both ; I 've noted there was nothing about Action Card in my credit records when I bought a house XX/XX/XXXX ; I 've demanded they send some sort of proof that I owe them anything, which they have not done ; I 've asked them to stop the daily calls at all times of the day, at home and work. XXXX XXXX XXXX is the current company hassling me - their latest " offer '' says the " current owner '' of the alleged debt is XXXX XXXX XXXX. I want these people stopped.