WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/2018 i applied for a credit through wells fargo 's online site. my intention was to do a balance transfer from XXXX XXXX and enjoy the no interest period and pay off my debt. i submitted the application and was surprised that i was not instantly approved. i decided to 'sleep ' on it and check my email the next morning. i had gotten an email overnight from well fargo informing me that my application woud take more time for review. i saw a phone number and decided to call and check the status of my application. the agent that assisted me informed me that my application was actually declined. i asked why, and she informed that it was due to activity contained on my XXXX credit report. this was new to me, i check my credit report at least once a month and monitor my credit score once a week. i was also told that i was going to get a lette in the mail in few days with the reason i was denied. i got the letter in the mail today. and the letter said i was denied becuase i had open too many trade lines within the last 24 months. the back of the letter also stated that my XXXX   credit score was used a deciding factor in my application, my credit score was listed as XXXX. in all of my experience a credit score of XXXX is considered high. i reached out to well fargo for a further explinations and was trasnfered to the 'executive office ' but they were not ableo to help me. i feel that my high credit score should have been enough to have my applicatio approved. the agent did not seem to want to help me. at this point, i have already applied and by approved by another bank but the damage is done. there is now an inquiry from wells fargo for an application that got denied for no reason. my desired solution is to problem is to have wells fargo remove the credit inquiry from my credit report. i suspect that wells fargo is envoking the '5/24 ' rule. meaning that credit card companies wil deny applicants, regardless of credit history ; if they have had 5 or more credit cards opened within in the last 24 months. it is a practice that i feel is used in order to lower credit scores, which therefore will mean applicants can get approved for higher interest rates. my application # XXXX
In XXXX 2017, I settled credit card debts with XXXX on behalf of XXXX XXXX eliminating my liability on two credit cards I had with them. After more than 3 months, XXXX has failed to accurately update my credit report. They updated the report showing the Settlement payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with XXXX and the credit bureaus multiple times without success.
I have requested on 3 different occasions to have account deleted from my credit profile. The credit bureau continues to report item despite inaccurate information. XXXX XXXX was never authorized to obtain credit file or insert items to credit file under any circumstances.
I have had an auto loan with M & T since XX/XX/2014. The payment date is no later than the XXXX of each month. If the payment is made after that time then my loan would be assessed a late fee. I have made every payment for this loan prior to that date. The loan is issued to myself and another individual however I am the person who makes payment on the loan. Last month I made a cash payment to a teller in XXXX New York. At that time I had a issue in which the teller harassed me. I asked to speak w a manager and the conversation ended with her expressing to me that M & T would contact the people listed on the loan every day until necessary information was updated. I made a call to M & T customer service and filed a complaint. I explained that the representative at the branch made a verbal threat. They advised they would file the complaint and forward it to the proper party. Neither of us who are listed on the loan have ever been contacted about lack of payment or late payment until today. The other individual on the loan was contacted by an automated system. They called back and at that time they were told that the reason for the call was in attempt to collect a debt and that the account was delinquent. Which is not the case as the payment is always made within the warranted time frame given. They also told him that they had no information to contact me as their computers do not allow them access to the same information as customer service. I called M & T to find out the issue. I expressed to them my concern as to why the call was made to the other individual on the account as the company was making it out to seem as though the loan was in a delinquent status. I also questioned as to why if all my prior payments made have all fallen within approximately the same timeframe was a call made to him for this month. My concern essentially was that M & T was using this as a way to harass me due to the complaint I made last month on the XXXX. If my payment in XXXX was made on the XXXX and Prior to that on XXXX XXXX why all of a sudden M & T feel the need to make this " collection '' call. M & T has never reached out to either one of us prior to this point. My payments have never been made late but in retaliation to my complaint I feel as though M & T made this call to the other person on the loan in attempt to humiliate me. They tried to make it appear as though I was not " paying my bills '' or holding up my end of the agreement which could not be farther from the truth.
Convergent Outsourcing, Inc. sent me a letter of " Attempt to collect a Debt ''. This company was asked by XXXX XXXX to collect an alleged debt for {$420.00}. I have already filed a complaint against XXXX at the FTC for the same alleged amount last week, explaining that XXXX received the equipment in full in emails for that effect. Convergent attempted to call me, by phone, and was as expected rude and insulting! They received the same courtesy they afforded me and more!. These parasites deserve that treatment, and more, as they are not in full knowledge of the facts of the case from XXXX. This is a feudal effort, by XXXX, to collect any amount as no matter how small it is, even a XXXX cent is too much for their inferior services throughout the XXXX years we have had them. XXXX continuously violated the terms of our agreement through lies and removal of channels as well as promises made by phone, even when we fulfilled the XXXX year contract with them. It is an out and out attempt of extortion ( the practice of obtaining something, especially money, through force or threats ) by Convergent and XXXX! 
I leave you with this for all to see ; It is by law, between XXXX parties, that a contract or agreement or commitment written or otherwise, is an obligation by the XXXX parties and not XXXX sided. In conclusion, this is a closed and shut case since XXXX XXXX, 2015 as it was admitted by XXXX in a communique, email, on that date. Convergent must not attempt to peruse this case further!.
XX/XX/2015, I purchased furniture from Conns Credit with the loan amount for the furniture was {$3000.00}. I have paid {$2400.00} per Conns Customer support team with a balance of {$520.00}. I have a 24 month cash option that is interest free. Conns is reporting a cash balance of {$1000.00}. The customer support team has submitted three requests for the credit department to correct their mistake, with the last request being submitted to upper level management. I have attached online bill pay activity, cash option addendum, sales contract to support my claim of illegal lending practices of Conns. They will not respond to the NC Dept of Justice Consumer Protection division, my only hope for justice is the US CFPB. CONN 'S IS REPORTING {$120.00} A MONTH IN LIEU OF THE ACTUAL CASH PAYMENT OF {$170.00} BY BANK DRAFT, thus cheating me out of the difference
My deferred interest payment plan with the XXXX XXXX credit card issued by XXXX   XXXX expires on XX/XX/XXXX. I mailed out a check on XX/XX/XXXX to pay my remaining balance of {$550.00} on the account. On XX/XX/XXXX, a finance charge of {$320.00} was added to my account with no notice that my payment was not received. I did not discover this until XX/XX/XXXX when I logged into my account. I paid the {$550.00} balance immediately using ACH and reached out to Customer Service multiple times to inquire on why I was charged 58.4 % of interest ( {$320.00} on {$550.00} ) without any notification. The APR on the account is only 28.24 %.
I 'm being charged a monthly interest fee, as well as more than half my payments to interest. This is not the only company doing this to me.
This complaint is necessary to ensure the recovery of a collection firm 's fee s (  excessive relative to the small size of the note ) are not the determining factor in a foreclosure sale currently set for  XXXX   XXXX . Consideration of that issue is requested relative to mortgage complaint #  XXXX , as well as directly related complaints #  XXXX  and #  XXXX  on the issues that precipitated the collection action.
I WAS EVICTED FROM XXXX XXXX XXXX THEY REPORTED INACCURATE INFORMATION TO XXXX,   XXXX AND THE DEPARTMENT OF LABOR, THE DEPARTMENT OF JUSTICE INCLUDING IDENTITITY THEFT WHILE I WAS IN THE HOSPITAL MENTALLY INCAPACITATED XX/XX/2015
I sent in my paperwork to get my free annual credit report. I filled out the form and made a photocopy of my XXXX to send along with it. XXXX and XXXX sent me my credit report right away. Experian instead denied my request stating that the social security number I provided did not match their records on file and that I would have to prove my social security number is correct. 
On the letter there was also a phone number to request a credit report by phone. The number is XXXX. When you call that number it is not possible to actually get through to someone to request a credit report it simply puts you in an endless loop of a computerized system that the only options is for paid services. 
I was able to track down another number for Experian and selected paid services from the automatic menu that I thought would transfer me to a live person. After several attempts I finally found one. The woman I spoke with, who did not identify herself, was able to look up my information and she told me that there is no record that they ever received my request for my credit report or that they had denied my request. What she told me was that they must document every time my report is accessed. So it appears that they just deny every request for a free credit report and implemented a system that would force you to either be very good at skiptracing, a skill most people are n't even aware exists, or to pay for a credit report.
I was only about XXXX or XXXX when I had a lady from Kohl 's Department store call me about paying off a debt who ended up making me feel even worse than I already did about owing money. When I explained to her that I could not pay anything because I was trying to finish school and that I paid for all of my own bills without help, she told me that I need to grow up and pay off my debt like a normal adult human being. She asked if I it made me feel good having debt. I do n't remember what I said back to her exactly but her words stuck with me and made me feel for a while. I felt horrible for owing money. I wanted to be responsible and take care of the debt but under my circumstances at the time, I could not.
XXXX XXXX XXXX opened two different accounts in my name so far. These Accounts are fraudulent and I did not authorize these accounts to be opened. They then continue to attempt every month to send these accounts with new numbers to Equifax, XXXX and XXXX. Both XXXX and XXXX have confirmed they will keep these accounts permanently blocked. I already notified XXXX several months ago that i am a victim of identity theft. My information was used to open an account at conns. My wallet was stolen and my Drivers license, Social Security card and even my email addresses were hacked. I have already notified local law enforcement of this information and have provided XXXX XXXX XXXX with my Identity Theft Affidavit from the FTC. XXXXXXXX XXXX XXXXXXXX XXXX continues to try and bill me for this fraudulent account and instead keeps reopening this fraudulent account with different account numbers so they can re apply it to my credit and damage my credit. I did not authorize this account. The account that made payments to it was from a " XXXX XXXX '' I am not related to XXXX XXXX and do not know a XXXX XXXX this account is fraudulent and I did not authorize it. Additionally the other accounts that Conns advised me made payments were also fraudulent and have been reported to the companies. XXXX XXXX has already been notified of my identity theft and they have marked the checking account as fraudulent. It has been closed and removed from my consumer report. Please do your proper due dilliegence when someone reports Identity theft to you. I have a right under the FCRA to notify the furnisher of the information that it is fraudulent. I am requesting you block this information and stop re applying it. I do not have your merchandise, I never lived at XXXX XXXX XXXX XXXX, TX XXXX and I never lived at XXXX XXXX XXXX XXXX, TX XXXX. My mail has been forwarded and just recently corrected. As stated this is my notice to you that i am a victim of identity theft. I do not have your merchandise, and I did not authorize any accounts to be opened with your company. I am providing a Identity theft affidavit attached. Please review and stop attempting to try and throw this back on my Equifax report. This is abuse to create new account numbers continuously and report 160 day late payments that I never even knew about nor ever received any bills because once again i never authorized this account. Please remove all my liability to this account it is fraudulent.
The prepaid card that is giving me issues is XXXX. They blocked my card 3 times!!!! And promised me that I wouldnt have the issue again after the first time. I had to miss work because all of my money is on my card I could not feed my daughter or put gas in my car 3 days in a row. My missed days from work is Thursday XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Also XXXX $ late fee has been added to my rent because it was late because I could Not get the money order because my card was block. I have documentation on the 3 times that my card was blocked, the three times that it was U blocked being promised that the issue was fixed along with my pay rate for 8 hour day for two days and my late fee for my rent I would like to be REIMBURST for all the money that was messed up due to THIS COMPANY and I am canceling after my Last direct deposit! I also have recorded conversation with the XXXX employee reassuring me that it wont happen again! But it did
To whom it may concern, I am writing you and regards to recent issues we have been having with Wells Fargo 's property loss department. We had a hail storm XX/XX/XXXX which left our property in need of repairs. Our insurance company XXXX XXXX assess the damage and issued a check so we could repair the damages. Because of the amount of the damages I was told the check would be issued to Wells Fargo and me. This is where my nightmare begins. My daughter and I contacted Wells Fargo to inform them of the damage and to find out what are next steps needed to be. The lady we spoke to informed us of all the information we needed to fax over including what we needed to fax for an exemption so we could have the funds released to get the repairs done in the quickest time possible due to Winter and bad weather impending. We were told it would take 2 days for them to get the facts and then another five days for them to make a decision. We did n't hear back from them like we were told we would and called them back. We were then informed our request was denied with no logical explanation or Reason. Every time we have called we speak to somebody different who does n't know what 's going on and are told that Wells Fargo need some other paperwork we were never told we needed to send in. The latest thing Wells Fargo has requested as a copy of my personal will due to my husband passing. Wells Fargo was informed of this 3 years ago and a copy of his death certificate was sent in with the initial paperwork they requested. But looking online there are hundreds of complaints about Wells Fargo property loss department not releasing insurance claims to people. Wells Fargo has no right to a copy of my personal will nor do they have the right to deny my funds to get my property repaired. I have never been late or missed a mortgage payment at Wells Fargo does n't trust me to fix my property. I find this quite ironic considering the fraud lawsuits they 've been in recently. This whole situation has been extremely frustrating causing me a ton of worry and loss of sleep. I have XXXX grandchildren living in the house and fear everyday the roof over their bedrooms is going to fall in due to the damage is Wells Fargo is preventing us to get repaired. The repairs need to be completed as soon as possible to prevent any injury to any of my family members. I greatly appreciate any help you may be able to provide regarding my problems with Wells Fargo 's property loss department. 
Thank you in advance, XXXX XXXX
NCC BUSINESS SERVICES open : XX/XX/2016 XXXX XXXX  XXXX XXXX {$300.00} This company is reporting I own the {$300.00} I never used this company or have I ever been here this is fraudulent information our house is paid for why would I apply to stay here this information is wrong by the law I will sus this company and go to court if this is not removed off my credit file
I have been paying my student loans for 11 years. I was on Autopay and never missed a payment. About 1 year ago I lost my job. I now have no money while I am looking for a new job. XXXX of my lenders allowed me to deffer my loans as was the case when I graduated college. However XXXX XXXX now Navient has refused to grant me defferment and insists I pay them {$150.00} to deffer my loans for 3 months. I told them I have no money and did not pay. Navient has began harrassing me instantly by missing XXXX payment. I have received like XXXX calls from XXXX different numbers from XXXX to XXXX. This is plain rediculaous. What other business harrass people like this? I have no money to pay them and am now requesting all information be sent by mail. What are my options.
In XXXX, 2015 I entered a written dispute with ARC MANAGEMENT GROUP reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ARC MANAGEMENT GROUP was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ARC MANAGEMENT GROUP failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARC MANAGEMENT GROUP an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARC MANAGEMENT GROUP failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ARC MANAGEMENT GROUP is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ARC MANAGEMENT GROUP have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud. 


A full and complete deletion of offending ARC MANAGEMENT GROUP collection account from my credit report at the XXXX, XXXX and XXXX XXXX consumer reporting agencies.
I have asked Equifax to please correct the items on my credit report. The filing dates and amounts are incorrect for the tax liens. They have refused to adjust although I have sent them supporting documents. I have also advised them the agency that they have provided for me to make contact with advised they can not give them any information on my case as they do not support XXXX XXXX. Also on the credit report the amount {$18000.00} is listed as an individual lien item however that amount is also included in the lien for XXXX. Which means this lien has been reported twice. Please investigate and advise
Round Pointe Mortgage sold our Mortgage to XXXX Mortgage, and did not notify us. All payments submitted to Round Point have not been transferred to XXXX Mortgage, nor have they been returned to us. This is the 3rd time the mortgage has passed different hands within the last 12 months. The 2nd XXXX mortgage companies did not have my telephone number, nor did they have the correct address. 

Mortgage Payments were sent to Round Point, for the months of : XXXX ( Forwarded to XXXX ) XXXX ( Forwarded to XXXX ) XXXX ( Not forwarded, and not returned to borrow, and not rejected ) XXXX ( Rejected by Round Point ) XXXX, the first lender, had sent us notification that our mortgage would be changing hands to Round Point, to the correct mailing address. However, later no correspondence was received from Round Point or XXXX Mortgage. 

We found out of this change, after our payment was rejected by Round Point, and I viewed my credit report to find XXXX Mortgage. Round Point is now claiming they do not have our payment for the month of XXXX, however, we have bank transaction records stating the XXXX payment was accepted by Round Point, and never returned back to us.
1. APPLIED FOR A MORTGAGE REFINANCE 2. PROVIDED LENDER WITH ALL REQUESTED/REQUIRED DOCUMENTS 3. LOAN REFINANCE WAS APPROVED 4. PROVIDED A VOIDED CHECK TO CLOSING ATTORNEY AT CLOSING 5. WAITED THE LAW REQUIRED THREE DAYS RIGHT OF RESCISSION 6. FUNDS WIRED INTO ACCOUNT 7. USED SOME OF THE FUNDS 8. 24 HOURS LATER RECEIVED A CALL FROM CMG THE MORTGAGE COMPANY THAT THEY'VE MADE A MISTAKE ON THEIR END AND REQUESTED FUNDS BACK 9. THEY REPORTED TO MY FINANCIAL INSTITUTION THAT THE WIRED FUNDS WERE STOLEN FUNDS 10. MY FINANCIAL INSTITUTION FROZE OUR ACCOUNT
We had our mortgage through XXXX. We always paid on time.. escrow of taxes and insurance was included. Our mortgage was sold to Green Tree and unknown to us our escrow balance went to {$0.00} ... it was not as zero when the mortgage was sold.. the money is missing.. Green Tree then switched to Ditech.. we recently got XXXX letter from them saying we owed {$3000.00} in escrow.. when they were the ones doing the escrow analysis and we were paying what we were told to pay. They are confused. we cant get an answer from anyone. We paid our insurance this year to avoid escrow and they still are refusing to do another analysis to come up with our new payment.
Hello, i have this problem with ( receivable solution ) collection agency they have a bill for my wife ( XXXX XXXX XXXX ), they claiming that the amount is XXXX , however her insurance ( medicare ) said and confirmed with a fax that she is only responsible for XXXX , now this company has to correct the mentioned amount and then we gon na pay it because simply someone is incorrect and till now the insurance was able to prove that the collection agency is wrong so i am just asking to fix the amount to meet the insurance amount and we gon na pay it, otherwise i gon na take the case to the court to settle it down .. thanks
A collection company Amcol contacted me about a debt I wasn't aware I had. After they contacted me, I paid the debt within 30 days but it was still put on my credit which is should not have been. The debt is listed as paid on my report but with my paying the debt within 30 days of them notifying me, it should not be on my credit at all.