WillisBack/dataset-financial-user-claim huggingface dataset:
I requested a credit line increase through your online Credit Line Increase Tool located at XXXX XXXX XXXXXXXX. I only did this because it clearly states A credit bureau report will not be requested and you will receive an instant decision. ( refer to screenshot on page 2 ) of that tool and that exact statement. I put in the request, my request was granted on XXXX. However even though your tool clearly states you will NOT request a credit bureau report your system requested one anyways as part of this request. 
- faxed letter attached : XXXX XXXX Credit Bureau Dispute Unit.pdf I contacted their customer service department multiple times and someone was looking into this and noticed there was a technical glitch in their system that initiated this credit pull by accident. XXXX XXXX followed up stating it was a system error and I should submit the request to remove this credit inquiry from XXXX Credit Bureau Dispute Unit department. After 4 conversations, 4 faxes sent all I received was their generic letting stating this hard credit pull will not be removed. 
- file attached : XXXX
On XX/XX/XXXX, I was alerted to a collection account on my credit report. This account has been paid. The amount of XXXX has been paid to XXXX, The original source.
I subscribe to XXXX XXXX XXXX XXXX and received a notice that AR Resources had sent non-payment claims to both XXXX and XXXX. When I called AR Resources to find out what this was about, I was treated with complete disrespect. After making several inquiries, I was finally told that XXXX XXXX XXXX had turned over my account to them. AR Resources refused to provide contact information for their client. They insisted that I would have to " google '' their client in hopes of contacting them. 
When I contacted XXXX XXXX XXXX, they advised that they did not have a mailing address for me and rather than trying to locate it, they simply turned it over to collections. I asked them how I was expected to pay a bill that they never sent. They agreed that it would be impossible to do so.
I am currently in foreclosure with XXXX. I have been dealing with XXXX XXXX at bayview loan servicing and have provided all requested documents to her to try to save my home from being foreclosed however my income has shown to not be enough to support the modification after tiffani informed me it was two weeks ago. Now on XXXX XXXX she informed me that she misspoke and that my income had not been approved as she stated two weeks early. My daughter has been kind enough to pay me for watching my grand daughter to get a bit of income coming into the house. I explained this to tiffani and she is requesting tax documents, paystubs and credit reports from my daughter. She is delaying my modification for these documents that my daughter does not feel comfortable providing when I have offered to provide cancelled checks and a letter from my daughter stating the agreement. I do not see how she can legally request this information and delay my claim for it. This is not my daughters debt and I am not looking to add my daughter on to the account. Please assist me with this business as I do not want to lose my home over documents that my daughter and I feel they have no legal right to ask for.
iam disgusted with you XXXX? you have protected wells fargo bank, because you are p rotecting your econmany? no1, XXXX, wachovia bank, well fargo bank have numerous law siuts againts them? wells fargo bank mortgages have just been convicted of fraud in in the supreme court new york guilty, {$12.00} XXXX in damadges? TRhis is how i see this act of fraud wells fargo bank mortgages deliberatly put home owners into forclosure because they have 50 % equity in the property claim of the governat FHA what have they got to l oose this is adeliberate act of fraud, we will call this preadatorry lending today wells fargo bank mortgages have been faund guilty of this offence in XXXX of fraud in the supreme court the cfpb have protected this bank to the govermants advantage i hold you fully rponsable for the acts of crime committed this bank ruind my life and my familys lifes and grand children since XXXX the start until XXXX i will take this case to the court of human rights and i will now explode how corrupt the USA is {$12.00} XXXX compensation doesnt seem enought or is this another skam i promis you that justice be done?
I was told that the mortgage is a Daily Simple Interest Loan which means there is no set late fee but rather every day they do n't receive the payment is another day of interest. I 've noticed that the payment is not processed in a timely matter at all and I 've mentioned it to U.S. Bank Mortgage but they do n't want to listen to me. For instance, I mailed the mortgage payment on XXXX XXXX, 2017. Today is XXXX XXXX and the payment has n't been processed yet. The payment was past due on XXXX XXXX. This has gone on for several months costing me and my fianc a lot of money in interest while not paying the principal down. My fianc and I can not be at the whim of the bank 's processing department. It is my assumption and claim that the payment is in a processing bin at the bank with hundreds of other unopened payments and the longer it stays there the more interest the bank makes. They are in no hurry to process the payment. My fianc and I are going to schedule a meeting with a local bank rep to talk about this. I would like to set up an automatic ACH payment but we like to send in a variable extra principal payment and not a recurring amount. Thanks for your assistance.
XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement.

Also I XXXX XXXX told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.
I have been calling Shellpoint Mortgage and leaving a voice message for XXXX XXXX for more than 1 week requesting him to call me because ShellPoint Mortgage has been reporting my mortgage late after the date of which they foreclosed on my home at XXXX XXXX XXXX, XXXX XXXX GA XXXX. The date of foreclosure was XX/XX/XXXX and they are showing late payments after this forclosure date. This is affecting my ability to get another mortgage. I starting calling XX/XX/XXXX and have called everyday for 1 week. We also sent an email XX/XX/XXXX to Shellpoint and received a message has been read but no response from Shellpoint Mortgage. I am attaching documents that prove my points. Thank you.
I charged a pool renovation to my  American Expres  XXXX  card. The pool company charged {$2100.00} more than we had agreed. I tried in good faith to resolve this with the pool company with various emails but they slow in responding and finally unresponsive. I put this amount into dispute with  American Express . The pool company refunded {$730.00}, which left {$1400.00} still in dispute.  Amex  then wrote to me ( letter attached ) saying " we have no further recourse with this merchant due to the timeframe  XXXX  which we were contacted to open this billing investigation. '' Please note that the fraudulent nature of the charge is not in dispute - this claim was denied ONLY due to the timeframe in which it was opened.     I opened this dispute in  XXXX    XXXX  . However, I previously called  American Express  about this dispute on  XXXX   XXXX ,   XXXX  . There is still a note in the file that I called on this day and the call was recorded. On that call, I told the agent that I was still discussing this dispute with the merchant but I was concerned that the timeframe for putting the charge into dispute would expire. The agent told me that I SHOULD NOT BE CONCERNED ABOUT THIS, BECAUSE THE NATURE OF THE DISPUTE DID NOT SUBJECT IT TO A TIMEFRAME. She went on to tell me that I did not have to put it into dispute at that time. This can easily be verifie d - American Express  can provide the script of the call I made to them on  XXXX   XXXX ,   XXXX  .
Hello, I am extremely upset regarding the recent Equifax security breach which has exposed the private information of over 143 million consumers to potential fraud.
The credit reporting agencies need to be regulated and monitored. They need to be held accountable to both the Government as well as to each individual whose data they failed to protect ; especially when the breach was caused by GROSS NEGLIGENCE on the part of the credit reporting agency.
I read an article just a few minutes ago which stated that this all could have been avoided had Equifax applied a software patch that was released back in XX/XX/XXXX. This is INEXCUSABLE and they should be made to pay dearly for their severe error in judgment and failure to protect the private information of so many people. I 'm not talking about a lousy year of " free '' credit monitoring - that should be provided for LIFE to all involved, not just for a year.
I was also quite unnerved by their apparent " magnanimous '' effort to soothe the public by saying that they would not charge for applying or removing credit freezes - FOR 30 DAYS! What nerve! They allow our data to be stolen and try to make us feel like they 're doing us a favor by not charging us to protect ourselves from a situation that THEY caused! Consumers should incur NO FEES whatsoever in instances like this.
I ask that you take whatever action necessary to see that this kind of thing never happens again and that if it does, the company involved will feel GREAT PAIN for their irresponsibility.
Thank you,
Wells Fargo Dealer Services repossessed my car two times. The I was unable to make payments because I was on XXXX and my doctor was negligent in filling out my XXXX forms, which caused a delay with my payments. I sent Wells Fargo Dealer Services hardship letters along with proof, asking for leniency. My car was repossessed for a second time and I was required to pay my remaining balance in full. I tried to inform Wells Fargo Dealer Services that I was on XXXX and my payments were being delayed because of my doctor. Wells Fargo Dealer Services was malicious, very rude when speaking, and unwilling to help my situation in any way.
I sent an a debt validation to Capital One asking them to validate the debt they are saying I owe they then sent me a letter back asking me for my account number and a various amount of other information basically the information they are asking me for is a way to get me to unknowingly verify the day I feel like they have no signed contract on file for me therefore I am asking that they remove this debt from all three credit bureaus XXXX   XXXX and XXXX
Discover credit will not refund money for products not purchased. Billed almost {$5000.00}. The company wo n't answer discover. Got trial product. Returned it said do n't want it cancel. They continued to charge card n set no products. They want to give 45 % credit for something I did n't get n discover wo n't credit my money been 4 months. Call discover said wo n't credit money cause co. Wo n't respond. They have all info n I have complaint numbers from multiple calls
XXXX XXXX does not have enough information to validate this debt. This is not my debt and they are falsely reporting it to all XXXX credit bureaus. They can not provide proof this is my debt other than statements they created and sent. I need to see what identification was used to start this account falsely under my name.
Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided regarding XXXX XXXX. my last letter i send is attached to this complaint and has been ignored.
The bank charges a {$3.00} fee to transfer funds electronically within 2 business days for customers with an every day checking account. The Bank does not identify the fee in its product documentation nor does it allow the user to adjust the '2 business day window ' when scheduling the transfer. In essence, this is a hidden fee to the user.
I currently have a loan with Santander Bank loan # XXXX on my property located at XXXX XXXX XXXX in XXXX ma XXXX. At this time It is in foreclosure and an auction scheduled for XXXX XXXX, 2015 which is next week. For 8 months we have tried working with the bank on a loan modification supplying them with all the required documentation ( sometimes XXXX and XXXX times ) After all this time they have denied our modification and now want to auction the property.
How many days in billing cycle ending  X/XX/2017    Accrued interest on statement {$55.00} how much of my {$420.00} payment goes to interest and how much toward principal.   I did not request a call from your President 's office and find it intimidating you should have them contact me. Please do n't do it again. I do not want or need to talk to them.   Do I owe any late fees or any other charges How is interest calculated?   Why are the number billing days not stated on monthly bill..
I contacted  XXXX   XX/XX/XXXX  by online for inquiry removal where in which I have no contract with these entities listed on my report :   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX  EACH COMPANY STATES THE WILL NOT REMOVE INQUIRY BASED ON POSTING IN REPORTS AND SINCE NO AGREEMENT POSTS OR IDENTIFY AS ACTUAL ACCOUNTS ON REPORTS IT IS NOT THEIR FAULT. I REQUESTED TO ALL REMOVED ON THE FACT THEIR ARE NO AGREEMENTS MADE TO POST AND TO PULL MY CREDIT WITHOUT CONSENT.
I found out I was the victim of identity theft and when I tried to put a alertor freeze on my credit Transunion said my date of birth and address wereincorrect. So as far as I know my credit is out there being abused andthe credit reporting agency is allowing it
I am a XXXX on limited funds. On XXXX XXXX, I deposited my payroll check into the ATM prior to going on a XXXX trip on a Friday. I used my bank card for expenses while on the trip over the weekend. I did n't realize that my deposit showed {$0.00}, vs the over {$410.00}. SunTrust then reshuffled my transactions and my put my deposit on the end and charged an NSF fee for all transactions the next business day. By the time all Fee 's were assessed, the total fees are {$430.00}, ON TOP OF THE TRANSACTION 'S I made. Over the weekend ( XXXX XXXX ), I deposited a XXXX payroll check for {$110.00}. With all XXXX payroll checks deposited and the transactions, my account is now in the negative over {$300.00}. Again, as a XXXX trying to save money to return to school in XXXX, this is a MAJOR setback! I am thoroughly disappointed in how Suntrust has refused to refund the NSF charges due to them not adding my payroll checks. This will take me WEEKS to recoup this money and unfortunately, I do n't have this kind of time as books need to be purchased in a few weeks. I am BEGGING for some assistance with this matter.
The company is reporting an outstanding balance in collection for a debt which I paid in full, or perhaps overpaid, through a Chapter XXXX bankruptcy. 

I disputed the information inaccurately reported on my XXXX credit report, but the collection agency refused to correct it.
I sent a letter over to Experian for investigation into the accuracy of the information that has resulted in a public record Bankruptcy. They sent a reply back within 6 days, when a proper investigation takes up to 30. I contacted the Federal court and they stated they do not verify any information over the phone. I would like Experian to provide me with verified proof. I also did a dispute with XXXX XXXX XXXX XXXX XXXX reviewed the bankruptcy information. Case or ID # XXXX the results are : This item has been deleted from the credit file. If you have, additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX. Attached is proof of this account being deleted!!! Please follow suit and delete this information as well. I formally request that the following inaccurate items be immediately removed from my credit report. This must be removed in order to show my true credit history, as these items should not be on my credit report.
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. The following is the fraudulent account that I need to be removed by this company : 1. XXXX XXXX ACC #  XXXX, Date Opened XX/XX/2017, I am attaching the dispute letter/documents I sent to this company
Greetings, I sold an amount of Litecoin on XXXX XXXX at XXXX on the XXXX / XXXX XXXX. I then immediately initiated a wire transfer back to my XXXX XXXX bank account in the amount of {$10000.00}. 

The date today is XXXX XXXX. I still have not received my funds! 

I opened a case with Coinbase on XXXX XXXX, I 've direct messaged Coinbase support on Twitter, and I 've called their support line, but have received no response at all. 

The transfer shows as complete in my account history, however XXXX XXXX has no record of an incoming transfer to my account. [ and my account info for the transfer is correct ] Its been 9 business days, its starting to look like Coinbase stole my funds.
XXXX / XXXX / XXXX  ... the   XXXX   XXXX    XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  ... the   XXXX   XXXX  .  XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the   XXXX   XXXX  .  XXXX  town of   XXXX   rescue  XXXX   XXXX  the   XXXX   XXXX    XXXX  town of   XXXX   rescue  XXXX / XXXX / XXXX  ...  XXXX  the   XXXX   XXXX  .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  ...  XXXX  the   XXXX   XXXX  .  XXXX   XXXX   XXXX   XXXX  I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to The  XXXX   XXXX , all said it would be corrected and removed, due to billings clerical errors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.
I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I do not have any medical bills with XXXX XXXX Hospital, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.
I have been contacting Experian since XX/XX/2018 disputing the accuracy of an account on my report. Ive been asking them to provide me with the method of verification used to determine the accuracy of the information they have against me. According to the FCRA section 611 ( a ) ( 7 ), if I request verification they must provide it to me. Experian has not responded properly to these requests. They are in violation of the FCRA.
I received a credit monitoring alert regarding a collection for Midwest Recovery Systems in regards to a payday loan in the amount of XXXX from XXXX XXXX XXXX.   I was never notified via phone, email, or mail of this debt to dispute this. This debt also is over 10 years old and the company XXXX XXXX XXXX notified me via mail this debt was forgiven over 10 years ago due to how it was obtained without my knowledge. Midwest Recovery somehow got a hold of this non-debt and is attempting to collect illegally let alone report it to the credit agencies without notifying me first. Per my XXXX report it was opened on XX/XX/18 and reported on XX/XX/18 and i got a notice from my credit monitoring on XX/XX/18. I have filed a XXXX complaint and will be contacting my lawyer once I receive notice from this company of validation of such debt and when I was notified as I was not.
I had a wells fargo gift card worth {$500.00} which i lost, ( remaining balance was about {$480.00} ) I reported it lost XX/XX/XXXX. I called in to report and completed the verification and requested a cheque for the balance to be issued. I was informed of the {$15.00} fees for the cheque to which i agreed. However it has been 4 months and i still have not received the cheque. I called in XX/XX/XXXX as well as XX/XX/XXXX to check on the status and was assured that the funds have been processed and cheque would be sent out shortly. 

Now, as i try to follow up, I am being asked to verify the transactions right to the dollar amount. I last used the card in XX/XX/XXXX and i am unable to remember the exact dollar amount. 

I had previously verified my identity and confirmed the remaining balance on the card, however now i am only givin XXXX option to verify the card which is my last transaction. 

I think this is very wrong and non flexible policies by wells fargo to make me jump over the same hoop over and over again