WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a Wells Fargo credit card online around XX/XX/XXXX. I received the card in the mail and activated it. Immediately after activating I attempted to set the account up online. I could n't get it set up so I called customer service and they indicated that the card was deactivated by the fraud department. I called back to talk to someone else because it did n't make sense. And this time the customer service rep told me I would need to go into a Wells Fargo branch to confirm my identity and then it would be reactivated. I went into the Wells Fargo branch at XXXX XXXX XXXX, XXXX, TX XXXX, the next morning XX/XX/2016 and the branch manager ( XXXX -- not sure of the spelling -- -XXXX lady ) was on the phone for at least 20 minutes and afterwards told me that the card could not be activated and she kept the card. I asked her why it could n't be activated and she said I would need to call customer service. I called customer service and they just said it was a business decision. Yesterday, XX/XX/2016 I received a credit card statement dated XX/XX/2016 in the mail indicating I have a credit line of {$8500.00} with a {$0.00} balance. I called Wells Fargo customer service again and they told me to disregard the statement as it was a mistake and the card was never opened. I decided to check my credit report with XXXX and noticed there were XXXX credit inquiries on my account on XX/XX/2016. I put a fraud alert on my credit. Additionally, since I do n't have the original credit card I can not be sure that the account number on the statement is the same account number as the card since the branch manager took the card from me. I 'm confused as to why there were XXXX credit inquiries on XX/XX/2016. This also lowers my credit score!!
On XXXX a complaint was filed with CFPB in reference to XXXX investigation into a hard inquiry on my credit file ( complaint # XXXX ). XXXX response stated the hard inquiry was valid, because of persistence and established dialog with XXXX XXXX executive office ; on XXXX XXXX, XXXX a letter was received agreeing to remove the Hard Inquiry from my file.
I am writing because on my XXXX and XXXX credit reports you have my account as in Collection/Charge-off on XX/XX/XXXX.This information is incorrect. This account was paid in full through Chapter XXXX Bankruptcy Plan and discharged. Soon as this account was paid off it was put in a Charge-off status on my credit reports. I would like this information correced and for the status to be Paid In Full through Chapter XXXX Bankruptcy Plan. Also the date they have last payment is XXXX XXXX, that is also incorrect. This account was paid off in XXXX XXXX. I have enclosed documentation showing this account is and was in good standing through out my bankruptcy plan. I have provided my bankruptcy Chapter XXXX payment disbursements to GMAC ( ALLY ).
On XXXX XXXX, XXXX a charge from XXXX for the amount exceeding {$1200.00} as well as an out of state transaction was debited from my account for a total amount of {$1200.00}. These transactions were unauthorized, the card was not in my possession. Provisional credit was granted from bank of america. Claim number XXXX account ending in XXXX. Bank of america stated I have prior history with this merchant deciding to reverse the provisional credit and deny the claim. Which is untrue, I 've never had any prior doing 's with XXXX or XXXX in XXXX, XXXX. This is unjust, and unethical.
I was applying for my first mortgage and when my credit report was pulled it was brought to my attention that inquiries was still on my credit report. from all sorts of auto companies pulling my credit, and I do n't even have a drivers licenses only a state I.D and this is really stopping me from purchasing my first home. The inquiries are as followed. XXXX-X/XX/2016 XXXX XX/XX/2016 XXXX XXXX- XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016, XX/XX/2016 XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016
The way payments are applied by banks to different balances with different interest rates is NOT consumer friendly at all. I should be able to denote exactly where every cent of my money is going.
There should be an easy way to freeze my credit report on all 3 agencies. I have tried to do this online with all 3 agencies and after much time, all 3 errored out with vague error messages that " my request could not be completed at this time ''. This is unacceptable.
I have a Discover It credit card. I made a payment on XXXX XXXX, 2016. Payments in the past had posted the following day. However, this time the payment was held for more than ten days. No reason was given for funds being held. I called and spoke to a representative who informed me that she did not know the reasons but other departments had access to this information. 
My concern is the abuse of power. My account has not shown any signs of " fraud '' or related situations that merits " stringent screenings ''. Besides, this is nothing new, XX/XX/XXXX a rental car refund was held up for more than fifteen days. 
I looked over my credit card terms and conditions and I did not find any information in regards to " delaying credit for payments and/or refunds ''. 
To my understanding this is the difference between a debit card and a credit card. In addition, a secure fund has been established in my name to serve as a collateral. I believe this agency is using negative information, obtained from other sources, to make decisions that affect my financial status. If they choose to do so, I need to be informed in order for the power to be balanced. I am able to make informed decisions about the " conditions '' planned for my account. Lastly, the credit report is not showing any credit available, which in turn shows that my account is currently overdrawn by {$17.00}, which is incorrect. 
I certainly feel overpowered and ostracized by this situations and I hope that someone can take a deeper look at what these financial companies are doing with consumers financial wellbeing.
PLEASE see Case number : XXXX for additional supporting documentation that was sent last year. 

I was able to modify my mortgage through NACA XXXX Neighborhood Assistance Corporation of America XXXX ) and met with Home Loan Services XXXX Homeownership Preservation Team in the year 2009. 
MODIFIED XXXX home loan mortgage to 2 % fixed for life and to the market value of the home to {$360000.00}. 
REMOVED XXXX mortgage loan and moved balance to the XXXX home loan mortgage XXXX combined ). 

* ISSUE - A collection agency named Veripro Solutions thinks that my XXXX mortgage loan still exist. I sent them my loan modification documents/spoke with their representatives numerous times, to show that the XXXX MORTGAGE WAS REMOVED and the balance was moved to the XXXX mortgage. But they still keep sending me letters that I still owe the XXXX mortgage. 

XXXX My loan modification was personally negotiated with XXXX XXXX XXXX XXXX Assistant Vice President Loss Mitigation - Resolutions ) and XXXX XXXX XXXX Homeownersip Preservation Team ) from Home Loan Services XXXX XXXX XXXX Original Servicer ). XXXX personally explained to me how the loan modification would be with XXXX present. XXXX clearly even wrote and explained it to me on how the loan modification would be ( attached ). I also spoke to XXXX XXXX XXXX XXXX XXXX Loss Mitigation ) who completed the modification and we went through the modification paperwork together BEFORE I signed it. And XXXX stated that the XXXX mortgage was removed and balance combined with the XXXX mortgage. 

Loan Modification : XXXX XXXX loan mortgage deferred to 100 % LTV XXXX Loan to Value XXXX which would make it XXXX. 
* XXXX loan mortgage removed and balance moved to XXXX. Part of that balance/portion ( {$45000.00} XXXX will be postponed and be paid once the XXXX loan balance has been paid. 

If my XXXX mortgage was not removed and not part of the loan modification then : XXXX Why is my principal balance {$540000.00}? XXXX If my XXXX loan mortgage was modified to 100 % LTV ) * Where is the amount {$45000.00} coming from? 
XXXX Veriprosolutions needs to provide me documentation on where {$45000.00} is coming from if my XXXX was not part of the loan modification. *Documentation needs to come from original servicer XXXX XXXX XXXX 
XXXX Veriprosolutions also needs to provide me documentation that the XXXX mortgage was not included in the modification or not combined with the XXXX mortgage. *Documentation needs to come from original servicer XXXX XXXX XXXX
I was sent a letter saying I owed on my XXXX account that I in fact paid off in XXXX of this year. I told them and they said they would submit a dispute and that I needed to send in proof. I have sent in proof XXXX times now and a letter telling them to validate the loan if in fact they are saying i still owe. I can not get them to stop contacting me and releasing this debit that i have proven I paid.
I was awaiting a check in the mail. I received an email stating that the check had already been cashed. They emailed me a copy of the check with a my signature forged. The person that cashed the check cashed it at ACE Express on XXXX XXXX in XXXX Texas. Prior to her cashing the check at that location she went to another Ace On XXXX XXXX and was not allowed to cash the check because she did not have an identification or drivers license. So to shorten the story she was allowed to cash my check without Id and I am still waiting to receive my money as well as speak with someone with Ace.
I took out a loan with Loan at Last XX/XX/2017 for {$470.00}. Since this time I have made all my payments which are {$100.00} twice a month totalling {$520.00}. After making my most recent payment I was informed my payoff amount was {$600.00}! I was not expecting that after paying more than the cost of the loan the payoff amount would still be more than the cost of the loan. I feel these are predatory lending practices. I need help getting out of this payday cycle with this company.
Back in XXXX transunion had a issue where all inquiries where deleted off of multiple accounts and then put back on to peoples credit, well by law section 6 11 of the Fair Credit Reporting acts it states that if anything is deleted off of your credit and then reinserted to that the persons credit they are reapplying that to be sent A letter with a 5 day notification of reinsert, I did not receive a letter or notification of this and some of these inquiries do not even belong to me. I would like for them to be deleted. I have contacted transunion directly with no answer! 

Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry :  XXXX Inquiry : XXXXDate of Inquiry :XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry :  XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX
I am requesting verification of information for my account. 
Please provide the following details for each credit bureau ( XXXX-XXXX-XXXX  ) 1. The Account Date Opened 2. The Final and Last date account was Updated by your company 3.The Date last payment made on account 4. The Date account sold and company sold to 5. The dates you responded to any investigation verification for any of the 3 credit bureaus 6. The credit details and information you reported and account details you reported on those dates 7. The amount of 30-60-90-120 payments reported on this account I am requesting this information for XXXX   XXXX  and XXXX
this company claims that I owe them a debt, and put a negative mark on my credit report. I sent this company a debt validation letter to have them clarify this debt. the company called me and left a voicemail stating that if I don't answer the phone, they wont validate the debt. According to the fair debt collection practices act sec 809 once a debt is disputed, it must be validated. so ignoring this letter is a violation of the collection practices act. I would like everything documented in writing.
There are a few issues with XXXX XXXX : 1 ) I keep getting correspondence from them about two loans ( identified by account numbers in the next section ). Only one was even reporting on just one of my credit reports ( XXXX ) -- and that one was deleted for being unverified, which to this day it still is. The total amount for this ONE loan account was about {$260000.00}. Insanity! They are still contacting me about this loan even after it's been deleted from my XXXX  report. I've even gotten a late payment notice with an amount past due of {$2900.00} as of XX/XX/2018. This is really crazy to me. I am a senior citizen and live on a limited income, so it is frightening to ( still ) be getting bills and notices in the mail and for such large amounts! 2 ) Alongside this is the fact that the second loan ( shown as list of disbursements ) I keep getting mail notifications on as well for {$0.00}. This account isn't in my legal name and needs to be deleted on top of it already not being verified either. 3 ) Bottom line is that I have repeatedly asked for verification from XXXX   XXXX and after SEVERAL MONTHS have not received a shred of proof, which is why the larger account was deleted from XXXX. They are still reporting this account with the other bureaus in order to keep sending me bills ; please tell me how an account can be verified and unverified at the same time? Both accounts need to be deleted.
On XX/XX/2018 i submitted a dispute regarding an old account which is appearing past the statue of limitations. FCRA law requires accounts past 7 years be deleted and not rpeoterd. I asked these companies to delete these illegal accounts and have gotten no response besides a general " we are working on it ''. I have been disputing this account for many months now and I am defeated and getting no where with these bureaus who are ignoring me and prolonging their removal of this account from my credit reports. I have been patient but now I am contacting and attorney if this dispute goes ignored. I have attached the derogatory account that is ink question, Please see my disputes on XX/XX/18 # XXXX and # XXXX The response make no sense. the accounts never indicated they are being disputed in these 40 plus days I have been patiently waiting. what is going on? please respond and delete this account immediately.
XXXX XXXX XXXX and the affiliate company Halsted Financial is continuing to attempt to illegal collect on a unverified debt and use illegal practices. XXXX has Halsted call numerous times a day from a unknown number, when you pick up the caller does not answer, instead you have to call them back, when calling back and asking who the number belongs to, they refuse to answer, only saying we will get to that later repeatedly asking who is the caller they refuse to identify themselves until they collect skiptracing information such as phone number, address, ssn, ect. They also call prior to XXXX and claim that they can call you becuase the companies location it is later, regardless of the time zone you live in. They then threaten litigation on a debt pass the SOL that they know can not be litigated on. The following day, more of the same. Calls to XXXX do not solve the issue.
Hello, This company placed hard inquiries on my Transunion credit report without my consent. I applied for a pay day loan which is not a credit application, and does not require such a credit inquiry. I have attempted contacting the company ( XXXX XXXX XXXX/ XXXX XXXX ) to request they remove these hard inquiries as I did not authorize them and they are not cooperating. Below are the 3 inquires I am disputing, thank you. 
XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 XXXX Finan Inquiry from XX/XX/2018
I received a bill on XX/XX/2015 from Enhanced Recovery stating a debt had been placed with them for collection I paid on good faith that they would at least validate the debt. I had never recieved anything in regards to this debt in the past and I was told I had 30 days for them to validate. I still have not received anything and when I checked my credit report they had put this debt on there years ago. When I called back and spoke with " XXXX XXXX '' i told her I had only received XXXX letterfor collection ( XXXX/XXXX/15 ) she gave me an address that I had no knowledge of and had never lived at as being where the previous bills went. As of now the debt is paid and still not validated.
My 16 year mortgage with XXXX XXXX XXXX  XXXX and was sold in 2016 to a company called Bayview Loan Services LLC out of XXXX Florida. 

I always made my payment all these years. BAyview loan services increased my taxes and did not believe I had insurance and applied force placed insurance. 

Now this was an error that Bayview Loan refused to correct, I have 17 month proof,. 
You call, and they just do nothing. They refuse the regular payment and start foreclosure. 

This is total fraud. And a scam. I was a XXXX  XXXX. They are in violation of ORC and government codes. I fought this foreclosure myself, because every attorney refused to help unless I had XXXX. So I did it myself, I am XXXX years old, have lived in my condo for 18 years and now I get to go to a shelter. 

This is such a terrible thing they are doing to many. I called the scam squad in my area, they would not help either. I have lost income due to the foreclosure, and I lost custody of my grandsons, I was raising due to my daughter death. So now I am kicked to the curb, like a dog. And I had a perfect record, till they changed my payment and refused the regular payment. Bottom line this is a collection agency buying old loans and then the scam begins. This company is in 5 states. Because there is no quality control, no one check balances, or to see if the mortgage should go into foreclosure. I worked for XXXX XXXX XXXX XXXX. for 15 years. I did XXXX  and I can not save mine home, no one is checking to see their errors, and it looks like I am delinquent because of the increase of {$200.00} on my payment. My taxes did not go up, and my insurance is paid my the condo association. I was doing just fine till they bought my loan and increased my payment I am happy to meet anyone who can help or anyone who cares, to prove this. I get to even lose all my possessions because I have no where to put them, my whole life going in the trash. I am now going public and going to the media. They have to be stopped. Check out the complaints on line from customers, over 800. I also called the FBI. Nothing is happening. The decision on my house is this week, and if they win I plan to continue to fight. Such a shame this is happening in todays times. I do feel my age is a factor.
To whom this may concern, In reference to my previous complaint about Scottrade 's treatment of my son. I have attached a bank statement that shows just how egregious the fraud at Scottrade has been. 

Over {$800000.00} of unauthorized ACH transfers occurred and Scottrade refused to refund the stolen money.
I sent the company a letter on XXXX/17 asking the nature of the debt and to please stop calling my coworkers and cell phone. I asked that everything be submitted in writing. I received a call at my office today XXXX. the person refused to identify himself and said that this was regarding my job. The number matched the place that I keep getting phone calls from as well as one letter telling me I have 30 days to dispute the debt. Then at XXXX I got a call on my cell phone and I explained that I did n't want them call me at my cell or my office and this is the 3rd time I have had to tell them, and that I submitted a dispute in writing along with telling them that I did n't want them to contact me by phone. The person on the other end of the phone said " I do n't care about your XXXX letter, " and then hung up. The company is a " law office '' in XXXX, Colorado called Borenstein and Associates the number is XXXX. I have copies of the letter I sent and I have a witness to the phone call in my office.
I got a payday loan with XXXX XXXX XXXX back in XXXX or XXXX of 2016 - I could not make my payments due to me losing my job. Well, recently they started calling my 6 month XXXX  sister ( XXXX at XXXX XXXX ) and telling her she was going to press charges against me for some " bad checks ''. ( I have never written a bad check ). I had numerous numbers call me ( # 1. XXXX - called 9 times today- ( # 2. XXXX - called twice today ( # 3XXXX - Called me 6 times yesterday ( 4. XXXX - called twice yesterday ( # 4XXXX - called 3 times yesterday ) I called XXXX and spoke to her and besides the fact that the was very rude, she tells me I have a balance due and I have to pay something on it today, if not my paperwork will be sent in for " civil proceedings '' and I would go to jail, all while my children were in the car listening to this conversation ( which is why I tried to explain to her what the situation was ). I did explain to her that the reason I had not paid it was bc I lost my job that time and could not pay anything. I now have medical bills arising for something I was diagnosed with last month and I can not pay the balance and she refused that I I told her I can make a payment on Friday and she said I have to pay today. She said to find someone who will let me borrow the money, so I told her I would call her back so I can speak to someone who would lend me the money - She got upset and said that that was the problem, that I needed to pay then. I told her I would need to let my boyfriend know what was going on and she hung up on me. I ended up calling my boyfriend ( who is a XXXX XXXXXXXX in town ) and he told me not to verify or give any bank/card information. So, I call XXXX back and tell her I had just spoke to my boyfriend, who is a XXXX XXXXXXXX, and he told me not to give out any personal information until I knew who these people were and before I could get another word out, she said she did not care if who he was and right when I was going to say something, she hung up on me ( she said hanging up was noted as " refusal '' ). 
I'm at a standstill because I don't want to go to jail for a payday loan and I can't get anything done with these people
I have a collection on my credit report from a company AWA Collections XXXX XXXX XXXX stating I owe {$520.00} and the account was opened XXXX XXXX, 2012. I have never had a credit relationship with XXXX XXXX. I have never signed or opened a credit card with XXXX XXXX. I have asked the company to send something showing me that I have a signed note with the company however they have not done anything other than leaving the information of a debt with the credit reporting companies. I have disputed this claim multiple times to no resolve. I have called the company as well and they tell me that I need to contact XXXX XXXX which I have tried no answers. AWA Collections XXXX. XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. This is not accurate information to the best of my knowledge and is hurting my credit profile.