WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo {$750.00} claimed debt that I owe. I believe they discharged it but it is negatively affecting my credit report and I need it to buy a new home
Hello, My name is XXXX XXXX. I am submitting this request due to some unauthorized inquiries which are on my credit report. I have inquiries from the following companies to whom I did not authorize : XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX  Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX TXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX 2 Automotive Dealers ( New ) XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TXXXX XXXX XXXX/XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX   Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Cards/Airlines XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX   XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance Companies XX/XX/XXXX Experian XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX Auto Reseller XX/XX/XXXX Experian XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX   Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX I have listed what reports are showing and I have no intentions of applying for credit. These multiple inquiries make me look desperate and that is far from the case. I think that these unauthorized inquiries make me look very irresponsible and makes it almost impossible for me to apply for future credit if needed. I have made various attempts to solve this matter but it has gotten me no where. I've tried calls and letters to those listed above and they've done nothing to fix it.

Please get these unwanted and unauthorized marks off of my credit so that I can enjoy the American dream.
TransUnion is reporting a collection that is not mine. The Collection agency is XXXX in XXXX Montana claiming a bill is owed to XXXX XXXX XXXX for {$250.00}. The other two agencies, XXXX and XXXX already removed. XXXX sent me a bill, that shows XXXX XXXX in XXXX is who owes the debt, NOT me, XXXX XXXX in XXXX. XXXX is also spelling my name as XXXX XXXX. 

Please get them to delete this per FCRA as it is inaccurate. 

XXXX XXXX
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND DISCOVERED  XXXX  HARD HIT INQUIRIES BY MULTIPLE AUTO LOAN COMPANIES THAT I DID NOT AUTHORIZE ON MY REPORT.I WROTE A LETTER ON  XXXX / XXXX /   2017  TO DISPUTE THEM EXPLAINING AT THE TIMES AND DATES OF THE INQUIRIES I WAS NOT SHOPPING FOR A VEHICLE AND DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT. I LATER CALLED TO ADVISE THAT I BELIEVED THE INQUIRIES TO BE FRAUDULENT WHICH A FRAUD ALERT WAS PLACED ON MY CREDIT FILE, HOWEVER, THE INQUIRIES STILL REMAIN AFTER THE DISPUTE. I WANT THESE INQUIRIES REMOVED FROM MY CREDIT REPORT IMMEDIATELY AS THIS IS AN INACCURATE REPORTING OF MY CREDIT. PLEASE RESPOND TO THIS REQUEST IMMEDIATELY AS I NEED THIS ISSUE RESOLVED.
I am having trouble with American Express investigating fraudulent activeity on my card as well as paying {$2100.00} when not authorized to do so. 
Every 60 days they remove the dispute without resolve andthen charge me {$27.00} for being late when I have paid all lineitem charges in full each month that are not in dispute. I am an attorney and careful about following the law. It is in legal, but nothing is being done, so every sixty days I come backhere and complain again. The account has been in disputesince XXXX 2013 with no resolve -- and because theydeem the account late every sixty days, when it is reallyin dispute they remove my rewards points earned and I haveto spend hours trying to get them just to comply with the law, not to mention reconciling the account. Please read theattached letter.
I am writing to dispute the following information that appears on my XXXX consumer report : XXXX XXXX XXXX XXXX - # XXXX on credit report Source of dispute information Wells Fargo Type of disputed information : Charged off Mortgage Date reported : XXXX Explanation of item being disputed : o The current status of my account is not correct. XXXX XXXX XXXX has reported my account as being charged off. I was never notified of any action taken by them I had an attorney working with them during this time. I was able to sell the secured property and Wells Fargo provided a payoff statement to the settlement company, accepted the full amount due on the loan from the settlement company and I have a 0 balance. The charged off status should be removed. 
o At no time was I or the attorney representing me or the settlement company notified that this loan had been charged off o I am attaching the credit report information disputed o I am attaching the payoff provided to the settlement company o I am attaching the signed Closing Disclosure showing the sale of the property and the payoff to Wells Fargo closed on XXXX/XXXX/XXXX o I am showing the full lien satisfaction and release recorded on the land records provided by Wells Fargo recorded on XXXX/XXXX/XXXX o I have attempted to work through XXXX to resolve this and cant get anyone to assist me Thank you for your assistance. 

Sincerely, XXXX XXXX
XXXX  continues to report my personal identifying information incorrectly and refuses to correct it, despite my repeated requests. More specifically, XXXX is reporting my social security number incorrectly. I have been trying to correct this error with XXXX  for more than a year, to no avail. I have sent XXXX  a copy of my birth certificate, social security card, proof of address, and drivers license to identify myself however XXXX  continues to send the same letter indicating that they will not correct the information due to reporting from Capital One. I then reached out to Capital One regarding the trade line they are reporting on my credit profiles. Capital One continues to indicate that they are not reporting the incorrect information that XXXX  alleges and they do not understand why XXXX is reporting the information incorrectly. XXXX is the only CRA reporting my social security number incorrectly. Both XXXX and XXXX have my social security number listed correctly ( see attached ). XXXX  is out of compliance with the law. Its willful noncompliance has been a major financial hardship in my life as I have been denied lines of credit, housing, insurance, and other consumer products due to the unmatched social security number. XXXX refuses to complete a real investigation and properly verify my personal information as required under FCRA. They have sent the same letter in response to my request for correction on two separate occasions ( first on XX/XX/XXXX and again on XX/XX/XXXX ). I have continued to call Capital One, to no avail. They report that they have not provided the incorrect social security number that XXXX  is reporting.
I had a debt XXXX from 2011 - which was Purchased by XXXX XXXX. XXXX XXXX XXXX did not own this debt but filed a Civil Suit in Magistrate Court of XXXX County. Once made aware of the outstanding debt I contacted XXXX XXXX and settled all debt. I mailed proof of this to Magistrate Court and the Attorney XXXX XXXX XXXX, XXXX XXXX # XXXX. Following that I received a summons to appear for a trial on this case XXXX.
I applied for a credit card a few days ago and since sign up I have been continually denied an instant ( temporary ) credit card number that would be effective to start purchases until I received my official card in the mail. I have been told '' we do n't do that '', " you should have signed up online '', and " you should have received it when you first applied " ( even though I did request it at that time and they denied the request ). Even though I express the urgency of needing to use it right away, all I was told was that I should reschedule what I am trying to purchase. ( Of which purchase could go up in price in doing so, will American express be paying the difference since I was denied a temporary card? ) I have spoken with numerous representative both on XXXX/XXXX/XXXX as well as today. Today I spoke with XXXX, a customer service agent ( who stated I should have gotten it when I first applied and after saying I did request it at that time, told me she could n't help and that she would transfer me ) and XXXX ( id # XXXX ) whom stated I would need to wait for my card in the mail. 
According to the terms, conditions, and disclosures of the credit card, an instant number is only limited to being based on the ability to validate my identity. There is no additional fine print stating any of the information provided to me by the representatives I spoke to and therefore I would have received the requested temporary card without any hassle. 
This has been the worst service and makes me wonder how my future service will be if I am treated and being made to feel like and unvalued customer in the very beginning, if they are n't following their own terms, conditions, and disclosures, and making me feel as though they do n't care if I stay with their company as a consumer or not. There are many other competition companies out there and with American Express being such a large company, you would think they would want to keep as many customers as they can being how there are so many other competitive companies out there to choose from.
My student loans were being serviced by XXXX XXXX up to XX/XX/XXXX until my student loans were purchased by XXXX XXXX company. My original loan amount with XXXX XXXX in XX/XX/XXXX was {$110000.00}. When I received notification from XXXX that they had purchased my loans the amount was increased by over 1000 % to {$350000.00}. I have submitted several complaints to XXXX trying to get an answer!!! I NEED ASSISTANCE!!! I have not attended school since XX/XX/XXXX and I have not attended school after XXXX purchased my loans in XX/XX/XXXX.
XX/XX/2018 called from unknown number indicated that they are " XXXX XXXX   '' advised that they have court documents, but no law suit has been filed with county, company is not located in the same state, the debt is past the statue of limitations to file a law suit.
Put an order through coinbase. Coinbase put a 9 day hold on my transfer. I called them before transaction went through and they said I could not cancel. The digital asset in question has yet to be rendered to me and refused to cancel my order and said they would take the money out of my bank anyways. They said there was no way to cancel an order. They just take your money and give you the asset when it is worth far less.
I opened an online savings account with HSBC. They advertised a promotional rate. I did not receive this rate. After many calls -- and hours on the phone -- to call centers answering in XXXX and the XXXX -- nobody returning my calls when messages were left -- and many excuses by HSBC including blaming the customer ( i.e. the terms and conditions weren't met ) ... HSBC finally corrected the interest after I filed a complaint with the CFPB. It turned out it was an internal error at HSBC that the account was keyed wrong when it opened. Nobody at HSBC ever apologized for the run-around. Then, after withdrawing all of my funds leaving a zero balance, on XX/XX/2018, I attempted to close the account for my own safety. HSBC refused to close the account because of an address change, that would take many days to process. An address change should not take days to process and should not be an obstacle to closing an account.
I have been taking measures to improve my credit the past few months. In XX/XX/XXXX I disputed a collection account on all three credit bureaus. The collection was listed as XXXX XXXX ( account # XXXX ) for {$180.00}, original creditor was XXXX XXXX XXXX. I have no knowledge of this account. My ( XXXX ) dispute results came back on XX/XX/XXXX with the results stating that the account was removed from my credit report. XXXX and XXXX also removed this account after completing online disputes. On XX/XX/XXXX, this same account, Original creditor XXXX XXXX XXXX for {$180.00} was reinserted on my credit report by all three credit reporting agencies. It is now listed as a collection from Diversified Consultants ( acct # XXXX ). I am not sure why this debt keeps resurfacing as it is not mine, and also I never received any notification in writing or otherwise pertaining to this debt or the fact that it would be added back onto my credit report.
I got a copy of my credit report an learned that a collection agency has the same debt listed on it XXXX with different account numbers and different amounts and more than what I actually owe the creditor I did business with. The debt is for an old utility account I that closed and I did not get in the final bill in the mail because I moved. I called the collection agency and they said they would investigate my concern about them listing the same bill twice and get back to me however they never did. I went to the utility company for the original bill and paid it in full and I want the collection agency to correct their reporting on all XXXX of my credit reports.
My problems with Sallie Mae began back in the XX/XX/XXXX 's and culminated with their having XXXX mercy while my daughter was going through treatment for XXXX from XX/XX/XXXX until her death in XX/XX/XXXX. While she was on a ventilator ( XX/XX/XXXX-XXXX ) awaiting a XXXX transplant, Sallie Mae refused to work with me and I was forced to defer then request a forbearance for my student loans. After she passed away ( XXXX ) I even offered to send them a copy of her medical bills, death certificate and invoice for her funeral. They told me, " You could send them, but it wo n't make any difference. You 'll have to pay what is in arrears or request a deferment ''. My only daughter had just died, she had just turned XXXX, and all Sallie Mae cared about was their money. They made me feel worthless, alone and helpless. I began with {$26000.00} in federally backed student loans and I now owe {$54000.00} to the legal loan-shark known as XXXX ( formerly Sallie-Mae ). Not only that, but when I consolidated my student loans the interest rate was XXXX % and I can not refinance with XXXX to obtain a lower rate. On top of all this these student loans were obtained so I could attend the worst private college known to mankind ( XXXX University in XXXX ). When I went to XXXX in XX/XX/XXXX they were teaching decades old technology that was nowhere close to cutting edge. XXXX fleeced me, lied about their technology and helped ruin me financially over the years. I 'd like to thank the Federal Government for limiting my student loan interest deductions at {$2500.00}.
I have written several letters and done disputes to get VALIDATION and original paperwork/contract. This company refuses to provide this information and has simply said investigation is complete and resolved. I want this account removed from my credit file.
I have a mortgage with Wells Fargo. I refinanced it with them in XXXX using XXXX XXXX, who at the time was employed by them. In XX/XX/XXXX I received solicitation for real estate services from XXXX XXXX who was no longer employed with Wells Fargo. In his emails XXXX referenced information that was beyond contact info. I reached out to Wells Fargo concerned about one of their former employees leaving the company with personal consumer information. Their response was that it was looked into and would be remedied. I just received another a phone call from the same former employee. 
Should Wells Fargo employees be able to take consumer information with them when leaving employment?
This company is being calling my brother, I told the to stop calling my relatives, or calling me during my job hours, they never stop, Today I asked the to call me after XXXXXXXX XXXX that I am off from work, and He answered me very rude, you should better answer my call.
On XX/XX/XXXX, I, XXXX XXXX requested a payoff of my mortgage with Mr. Cooper/NationStar Mortgage Company. On XX/XX/XXXX, I received my payoff statement, showing a payoff balance of {$2700.00} ; however, we have {$1900.00} in escrow that they have refused to apply to our payoff amount. Our taxes & insurance were paid in XX/XX/XXXX by Mr. Cooper, so there is no payments left for escrow to pay for this year. I asked for a Manager & was connected to " XXXX '' ( she would n't give her last name ) & she said that I would have to write a letter to get permission to use MY escrow balance to be applied to the balance & thus lower my payoff balance. This is MY money - not theirs & I feel that this is another way for Mr. Cooper to use my {$1900.00} for another 30 days or so. There is no reason to withhold my escrow from me, when paying off this loan. I am a senior & on Social Security and therefore do n't have the funds to payoff this mortgage if they do n't deduct my escrow amount. Thank you
XXXX from API XXXX has called my relatives and friends using information obtained outside of information I gave to the original creditor for a personal loan. XXXX impersonated an attorney from a Legal department representing her " Client '' when in fact API owns the debt. She referred to a " case '' and provided a " case number '' and threatened to take legal action by Friday of this week in XXXX county. I have a recording of the voicemail. When I called her back, she original claimed to be a " mediator '' ( which is a court official ) and then gave up on that claim and offered a settlement with API, her employer. The phone number she gave was ( XXXX ) XXXX ext XXXX. Please investigate this unscrupulous company. There are so many complaints online.
I paid XXXX XXXX six ( 6 ) payments on my XXXX XXXX credit card account. I called their telephone number on XX/XX/XXXX to get the balance. I was given a person with whom to speak but she said, " The system is down. I have limited access. '' I have no idea about what she is talking. 

I should be able upon calling to know precisely how much they received that I had paid! 

Nor would she send me a statement as I had requested. 

So I do not know how much I have remaining on my credit card account! 

But I should have been told by her precisely how much is remaining! 

XXXX XXXX is inefficient and slow in handling my payments and unable to tell me my current balance! 

XXXX XXXX handles the XXXX Rewards card and is big enough to provide the information that I repeatedly requested to no avail today!
XX/XX/XXXX, I was in XXXX XXXX and my wallet got stolen with all my credit cards and debit cards. Whoever stole the cards used my Capital One Venture card at a XXXX and charged {$2200.00}, {$2400.00}, and {$2400.00} all on XX/XX/XXXX at XXXX. The culprit also spent {$1000.00} on XXXX other cards which was XXXX XXXX and my XXXX XXXX card. I called all XXXX companies the day after ( Saturday XX/XX/XXXX ) immediately after I realized my wallet was gone. All the companies said not to worry and that everything would be taken care of and I was definitely not going to be held liable. After about a month, all the companies did what they promised and all charges were refunded. I then felt secure and went on about my life thinking everything was okay. Some time passed maybe another two weeks and Capital One sent me a notification that they were not recognizing my fraud claim and that it was not considered fraud. I immediately called them to figure out what was going on. It is now XX/XX/XXXX and they still will not take these fraudulent charges off my account. I have spoken to XXXX XXXX. ( they will not give me her last name ) in the fraud department what seems like hundreds of times, talked to her manager, and anyone else who will speak to me in the fraud department and get no where. They say it is my job to prove that it was not me who made the charges, which I have done to the best of my ability. I have done everything they have asked of me including filing a police report with the XXXX XXXX Police Department. They still are charging me! I have had arguments and explained to Capital One that they told me I am not liable and even took it off my account for about a month just to be put back on. They are basically calling me a liar and instead of being innocent until I am guilty they are saying I am guilty until I can figure out to prove my innocent which I feel like I have. I am not a lawyer and do not really no where to go from hear. I even told them that both other credit card companies recognized them as fraud ( thanks and great customer service from XXXX XXXX and XXXX XXXX ) but Capital One says they do not care and that their fraud requirements are different. 

I am just requesting what Capital One told me when I signed up with them, that I would not be held liable for fraudulent charges and to take off the fraudulent charges. I have all detailed information to move forward with a resolution or if it is not resolved a lawsuit. 

Thanks for your Time, XXXX XXXX
XXXX and XXXX contacted me concerning a debt that I owed to HSBC in the amount of XXXX. They set up payment arrangements and collected the money. I received a letter from The XXXX XXXX showing this debt to be paid off. Now I am finding out that I had already paid this debt back in 2012. I tried to contact them to receive my money back to find that the phone number is just busy or you can not leave them a msg for a return call.
XXXX credit card reporting a charge off and outstanding balance on my credit reports. XXXX and equifax. I have disputed info it was deleted and reinserted. Now showing balance due. This account was discharged in BK XXXX 2011. Company reports charge off and due as of XXXX 2011. Account should be deleted from my file and not reinserted this has happened approx. 3 times. XXXX refuses to report correct information.
It 's from a company called XXXX that says I owe them for magazines that I did not order. 
In 2006 XXXX XXXX called saying I owed them for a magazine subscription that I did not order and I told them that and they sent the magazings anyway and I sent them back. They left me alone for ten years now a collection agentcy is trying to collect it. I tryed to explain to them I did not order the magazines and I 'm XXXX an draw a small check every month and can not afford to pay it. I keep telling them that I did't order from them. Interstate Recovery Service calls day and night 5 to 6 times a day. Please help. XXXX XXXX XXXX
Portfolio recovery is now knowingly reporting collections to my credit reports. I have disputed this account several times as fraud and they will not conduct a proper investigation. They sent me only a letter from XXXX XXXX that stated that they owned the debt now. This debt does not belong to me and I would like it to be immediately removed from my credit reports.