WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of 2016, I decided to open my own private counseling practice. On the day that I decided to take my first big step by creating my LLC and opening my business account, my childcare fell through, requiring me to take my baby to the bank with me. While the Wells Fargo employee did seem a bit unprofessional at first and was eating as we talked, I initially loved meeting her. We connected about being transplants from the XXXX and I found myself wanting to help her feel welcome. However, as I have looked back on the meeting, I feel like it was terribly unprofessional. 
As we were opening the business account, I told the Wells Fargo employee that I was interested in getting a business credit card in the future, but that I had no interest in signing up for more cards at that time. We completed my LLC paperwork and opened my account. She told me that in order to open my account, I " had to '' structure it so that it was divided to three sections -- taxes, savings, and the main operating account. Having never owned a business before, I listened to what she had to say. She never told me about the different business account options at Wells Fargo, nor did she inform me about any possible fees I might accrue. Finally, as we were closing the interview, my baby started to cry and I informed the woman that I would need to nurse her so that we could continue our meeting peacefully. To this, she responded " pull out that XXXX!! '' I was surprised by her unprofessionalism, but the meeting was ending and I was happy to have successfully acquired my LLC and opened my account. 
Opening my practice was a slow process, being that I was home full time with my child. I was not utilizing it often, which meant that it took me 2-3 months to discover that at the bottom of my online account, the Wells Fargo employee had signed me up for XXXX credit cards. Additionally, the taxes and savings sections of my business account had been accruing fees rapidly. She did n't just sign me up for a business account -- she signed me up for XXXX separate additional accounts. I did not give verbal consent for any of this. I did sign electronically at the employee 's desk, but I was not clearly informed that by doing so, I was signing up for credit cards or additional accounts. Finally, I was not informed that my main business account would also be at risk for accruing fees. I came to the bank to sign up for XXXX bank account, and left unknowingly with XXXX bank accounts and XXXX credit cards! 
The experience of opening a business, especially as a woman and new mother, should have been an empowering experience for me. Instead, I was deceived by my bank before I even had a chance to begin making money.
The following XXXX accounts were not properly investigated by Equifax and they remain inaccurate and illegally reported to my file. XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. Equifax should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.
I have a credit card from capital one so in XXXX 2014 I made XXXX dollars over payment to my capital one credit card by mistake after one week I recieve e mail from capital one told me in 7 to 10 buisness days I we 'll recieve my money back by check but I never recieve it I call the bank the told me we not gon na send u that money because ur account it 's restricted I do n't know why I said if u want to close my account send me my over payment money the told me u have a credit balance in ur card but we can not send u the money the ask me to send some document and after that the said we can not send the money I went to court to make a small claim the told me to go to this website to make a complain
I lost my job in XX/XX/XXXX so I 've been working as a Temp until the XXXX. I bank with Bank of America My loan # is XXXX. I really struggled with my mortgage payment. I first applied for modification in XXXX. Nothing happen. The temp service placed me in a job paying a little more I was able to catch up. So that job ended in XX/XX/XXXX. The next job paid a lot less so I struggled again. So in XXXX I applied again for Modification talk with rep went over paper work filled out package did n't hear anything called in XXXX had to reapply again same paperwork. So I called XXXX and did the same paperwork again. Now it 's theXXXX and I have n't receive paperwork to fill out. I 'm a 4 or 5 months behind on my payments. I did receive a coupon to pay XXXX for XXXX payment when I was paying XXXX I asked my self how do I pay more when I 'm trying to get it lowered. My name is XXXX like I stated I have a new job that 's paying me 3 dollars more an hour. Were I was only making XXXX an hour. I would like to save my home. I just stared my new job so I will get a full pay check but I had to not take taxes out in order to pay my mortgage payment which will be late because I ca n't pay until the XXXX when I get paid. I 'm so stressed not knowing if they are going to help or not. I had a modification that ended in XX/XX/XXXX. Question can you only have one Modification in a life time? Maybe I 'm missing something. Please help! Thanks
XXXX/XXXX Date : XX/XX/2018 Inquiry Type : Unknown - Credit Extension, Review, Or Collection I dont reconize this inquiry
I have been confirmed as a victim of the Equifax Hacking Incident. Unknowingly, my very personal, private information was disclosed to 3rd parties, without my consent, knowledge, request or approval in XXXX of 2017 as reported by them.
I was with wellsfargo for years.I was going to the ATM to get money that I thought I had. They always gave me the money and kept charging the overdraft fees. I have a XXXX XXXX and I was n't always keeping track of my account. I feel they took advantage of this.
RJM seeks to recover from an illegally or unknown DEBT against me as I deny any obligation, was NEVER LAWFULLY served with legal process on any account relating to XXXX XXXX BANK XXXX. 

I deny any debt, claim, or judgment by XXXX XXXX XXXX or RJM, and if any judgment taken illegally against me, collection is likewise illegal. 

THIS OBLIGATION IS BARRED BY THE CALIFORNIA STATUTE OF LIMITATIONS.
XXXX Insurance has put a charge on my credit for a debt that I do not owe. I called them before to ask for a quote before but i have not had insurance thru them. When I call to try to get info for them to verify this debt that i suppose to owe, they suppose to mail me something and I have n't seen anything yet but they reported it on my credit.
On XXXX/XXXX/2014 we went to Home depot and purchased granite for our counters. I made payments on this account monthly with no problem no late payments and I was paying this on the home depot website. As a year came around we received a call from the store clerk that they wanted for us to come in so they could give us our money back and cancel the order. I was ok with that because we have been really busy this past year and was not able to get the kitchen rebuilt. When we went to the store XXXX of the customer service attendants put the money we had paid to the loan back on our bank card. then a few weeks later I received a call from this company called green sky. they said I was late on my payment I was n't sure who they were and they explained they were the ones funding the loan for home depot. I said I was not aware of payment due. They then called home depot and returned to me and said every thing was good If I had any questions call home depot. I checked the web site later and there was no balance. I never heard from anyone again. In XXXX I tried to refinance and found that green sky had placed a derogatory statement on my credit reports and stated that I missed payments. they stated that there was a balance due because home depot should have paid them instead of me and they would return to me what was due me. I paid the balance they requested immediately. They said they would remove this from my credit report and they did not. My credit score dropped about XXXX points I did nothing. Home depot was the one that caused this I had nothing to do with it. I tried to talk to green sky but they refuse to do anything.
I have disputed the charge for the service that has not been provided. However, the bank refused to give a full refund claiming that they are not able to collect money from the merchant. This is not has been promised in their dispute policy. This is the main reason I use credit card as it is a safer way of doing business. Credit Card should honer their policy and issue a full refund. And if they can not make the merchant pay them back they should not allow this merchant to use this system.
I am writing this letter to request the reimbursement of bank charges for bank erroneous levy of my XXXX XXXX XXXX XXXX ( XXXX ). 

On XX/XX/XXXX, the Wells Fargo Legal Department withdrew {$580.00} from my Wells Fargo checking account and charge me a legal processing fee of {$120.00}, as a result of the legal order in the amount of {$3400.00} from the Franchise Tax Board. As soon as, I found out I called the legal department to explain my financial situation and also contacted XXXX XXXX Department to set up a payment plan ( {$65.00} a month ), which was accepted. Since XXXX, I have been receiving XXXX. The XXXX XXXX  became my only income. ( A copy of my XXXX XXXX XXXXXXXX Award letter is in the attachment for your reference ). Therefore, the funds in my bank account were coming from XXXX and should be returned to me immediately. Also, Wells Fargo Bank is well aware of the regulations regarding XXXX citizens on XXXX XXXX XXXXXXXX. How much do they collect annually for charging the outrageous {$120.00} fee for processing liens against federally XXXX customers. I would bet it is substantial. The fee should be refunded accordingly. Thank you for your time and consideration. I may be reached by phone at XXXX XXXX XXXX XXXX or email. I look forward to hearing from you soon. 

Respectfully, XXXX XXXX XXXX XXXX
On XX/XX/XXXX I made my yearly purchase from XXXX XXXX with my XXXX card as I have for the past few years. I use my XXXX card only to get the points then I pay it off with the bank account that is connected to my XXXX card online. In XX/XX/XXXX I went to the XXXX XXXX website to make full payment. I proceeded to make the payment, received the thank you for the payment page and noted my personal budget/bill sheet as paid. On or about XX/XX/XXXX I received an email that my account was 30 days past due. I immediately made a phone call to ask why. I was told that it had been reported to the credit bureau as a 30 day late pay 2 days prior to the email I had just received. I explained that I had made that payment back in XX/XX/XXXX and had not gotten any email or late pay notice until that email that prompted the call. During that call full payment was made to XXXX and all late fees were refunded by XXXX. I disputed with XXXX XXXX/XXXX XXXX on XX/XX/XXXX and then again around XX/XX/XXXX. I also disputed 2 times with XXXX and XXXX. This is clearly a system error of some sort which is obviously not an item that can be " proven ''. The only response I'm getting from XXXX is that if there is not proof of it being " their fault '' there is nothing they can do. I debated that a " fault '' of a system error is impossible for the consumer. My credit has been in perfect condition for many years now and this is the one and only blemish, reducing my score by more than 50 points. I am asking XXXX to simply make a courtesy credit removal due to some sort of system error. I have also consulted a credit repair company that advised I try once again to remedy it with XXXX XXXX/XXXX XXXX and then proceed to file with the CFPB, OCC, XXXX XXXX XXXX XXXX and social media negative blitzes. I shared with XXXX the steps I was going to take and they did not care. I am in awe of how an error of this sort can have such an impact on a consumer with zero path for the consumer to be protected or heard and treated as a human being instead of a number or piece of paper.
I submitted a new income-based repayment request along with my XXXX tax information two weeks before my current income-based repayment plan was to expire. Navient claims they did not process my repayment plan in time for my XXXX XXXX due date ; therefore, I was charged {$490.00} more than I had been paying for the past 11 months ; I was also informed that my new income-based payment for the upcoming year was decreasing by {$10.00} per month. As a result of Navient 's inability to process my request in a timely manner, I was charged significantly more than I had and will be paying, and they were unwilling to credit my account.
This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded in the State of Texas to pursue collections. I entered the name and address on the  Secretary of State  website for debt collectors and was unsuccessful at locating a bond for this agency.
. I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.
I was notified by TransUnion that a New Mexico State tax lien filed against me ( I am a Texas resident ) and it was included in my credit report. I sent TransUnion documentation about the new federal law which prevents tax liens and civil judgements from being used on credit reports. I obtained a copy of the tax lien and it did not contain my full name, SSN, DOB, or correct address. I attempted to obtain my report fromTransUnion to see if the lien appeared, and was told that since I had an open dispute I could not get the report. This was after I received a letter from TransUnion stating the issue had been resolved. Now I have a letter from TransUnion stating that I can purchase a copy of my report for {$9.00}. Something is not right here.
In late XXXX I lost a job. As a consequence I had problems paying bills. 

One of the bills was XXXX XXXX. The account was turned over to XXXX XXXX XXXX in XXXX, NY. 

Subsequently I contacted them to see if there was a way to settle the account. 

They told me it had been given to a law office and gave me the number. 

I called a number of times ( 3-4 ) and left voice mail but never got a call back. 

I 've called XXXX and never been able to reach anyone to talk to about the account.
XXXX XXXX for the amount of {$340.00}. I have sent XXXX XXXX a debt validation several times with no response. This item does not belong to me.
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX   XXXX and XXXX XXXX
I have requested to contact to the CEO a number of times but with no regard. Sun West Mortgage Company ( XXXXXXXXXXXX, XXXXXXXXXXXX and XXXXXXXXXXXX ) did the following. 

XXXX. Had me sign a loan application where they led me to believe there was no closing cost leaving XXXX section blank and claiming at that point it was no money to closing cost loan. 
XXXX. XXXX was done saying XXXX thing and then XXXX months later it was noted as an error. XXXX months with no follow up. We had a weekly request in on what is going on with the refinance and every week Sun West claim was all good and still in the process. 
XXXX. Requested a number of additional things from such as my bank statements when the federal loan requirements say not to ask for thisXXXX. XXXX XXXX has claimed after the fact that something was mailed to me with the closing cost back XX/XX/XXXX. This did not happen. Nobody has seen what she is claiming. I asked for my signature on it somewhere which does n't exist. Only my signature on a loan application with the XXXX area blank is what they can find. 
XXXX. CEO refusal to follow up.
I sent a certified letter to have debt validated. They were unable to properly validate date. The validation that was sent belongs to another individual. 

Attached : original letter from me, letter from the collection agency and the verification with the name, ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX AZ ). The name has been circled in the document. 

Please have company remove from all credit bureaus.
I have an collection account on my XXXX  credit report under Amsher Collection Services that I have been disputing this account is not mine and I have been requesting written confirmation they keep adding this account to my credit. I need proof that this is my account. 

Thanks
After reviewing my credit report I have found XXXX XXXX XXXX ( XXXX  XXXX ) is reporting an inaccurate account and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. I never signed anything or submitted my information to go into contract with this company.
Received XXXX call so far before XXXX. XXXX of them were before XXXX.
Companies that will not make it easier to contact them will always be met with such a complaint!!! CapitalOne held my credit limit at $ XXXX for probably a decade but then all of the sudden decided to raise and raise and raise it ... We all know having limits too high ridiculously hurts one 's credit even if they do n't use that credit. This is a business account so I asked our account manager to get it lowered but she ca n't for policy reasons and I would have to call, jump through phone queue hoops, probably have to go through someone telling me why it 's a bad idea ... It drives me insane that companies do n't realize that people 's time is valuable and this is something that could and should have easily been resolved by sending them a quick note/email online and being done with it ...
My XXXX XXXX. was sold to a company called SLS, LLC. Since the onset in XXXX 2015, it has been a nightmare. 1. I could not get my mtge. paid to XXXX as I got the notice after the XXXX of XXXX 2015. I went to XXXX to make my regular mtge. payment and they could not accept it but also, could not tell me my new account information. 
I got the SLS info when I returned to the stack of mail. I called them and they did not have an account # assigned yet. I sent the payment in ( late ) and that has lead to a whole set of problems. 
The current situation is they have stopped sending me a monthly remittance/advice to use to send in a payment. I have been just sending in the check and using the account information given. I have just received a XXXX statement dated XXXX on the day of XXXX in todays mail! It is asking for XXXX on a mtge. amount that is XXXX, they have had it XXXX since day XXXX. 
What I need to happen:1. Who holds my mtge. 
2. I went through the HAMP and for the next 5 years I have a mtge. that can not be changed and/or sold. How did this happen? 
3. I want XXXX to take back the mtge. from SLS, LLC4. SLS has a unscrupulous reputation - how are they allowed to operate? 
5. Is there a class action lawsuit pending against SLS? 
6. If not why and when can I start one? 
SLS loan # XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, CT XXXX
In XXXX of 2015 I had a mortgage with XXXX XXXX XXXX XXXX, which was transitioning to Dietech Mortgage Co. as I was refinancing my home with XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX was handling the title searches and escrow accounts and disperments of funds. A few months after the closing I stared getting mortgage statements from Dietech again saying that I still owed money. I called XXXXXXXX XXXX who sent them the payoff agreement and copies of the check. Dietech has continued to try to bill me monthly and has kept my escrow account open and had been paying my taxes twice a year and billing be for the deficit in escrow while my new mortgage company, XXXX XXXX, has been paying my property taxes out of my on time monthly payments. Dietech also sent me a paid in full letter in XXXX of 2015 and closed my account and then later re-opened it under another account number and then when I did not pay them the escrow deficit, they sent my husbands name to the credit bureaus causing damage to my husbands credit and higher interest rates on our student loans for the children and car loans. Myself and XXXX XXXX have been trying to sort this out with Dietech for 3 years now. We get different customer service reps with each phone call which causes much confusion on both sides of this problem and many different excuses as to why this hasnt been settled. They also still have their name on my mortgage as they never sent out the satisfaction of mortgage that was needed. I have gotten apologies and promises to correct this error of their as we speak on the phone, and then the next week I call and they tell me it is my fault because I the escrow deficit or something else. I have paperwork from them telling me that they did an investigation and I have an escrow overage of {$5500.00} but I need to pay {$1700.00} first to get that money. The next phone call to them informed me that the money may not actually be in there as they may have paid  something for me. There should be no activity on that account for three years so I dont know what they could have paid. They have both XXXX XXXX and myself chasing our tails with no clue as to how to resolve this. I would appreciate any help or guidance that you may be able to give me. I am at my wits end. Thank you so much!
While XXXX, Georgia in XX/XX/XXXX I purchased a vehicle ( XXXX Dodge Charger ) from XXXX XXXX on XX/XX/XXXX. At that time my Credit Score was a XXXX ( See attachment ) and my APR was set at 5.29 % ( See attachment ). The Lien was with Fifth Third Bank ( See attachment ). On XX/XX/XXXX, online I notice a article stating Fifth Third Bank from " XX/XX/XXXX to XX/XX/XXXX charged XXXX and XXXX customers more interest on auto loans. Georgia was XXXX of the XXXX targeted location. In the military we 're already targeted by companies and now I would like to know if i 've been targeted by Fifth Third Bank.
When Credit bureau they try to verify identity, They ask questions about a Mortgage or car loan or line of credit in XX/XX/2014 that I have no idea about. 

So they cant verify my ident and we can not proceed, Also with my bank when they try to verify Ident they ask some questions about a loan and there is no loan or amount.
CMRE financial took over a medical bill from last XX/XX/XXXX. They have not credited any of the payments I have made, nor do they enable me to see the status of my payments made on their website. 

They just send me letters about owing money. I feel uncomfortable making blind payments with no end in sight.
I have an agreement for sutomatic withdrawl of {$180.00} from my checking account to service the  Navient  loan. However this month  Navient  withdrew {$460.00} from my account WITHOUT my authorization.