WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo banking company has acted in a number of predatory ways towards myself and other customers. I am a former employee who on day of employment was used as a number for bonuses. So three accounts were open, a checking, savings, and credit account. Even though I had a credit score of over 700 a 24 % interest rate was given to me on said card, since then I have closed that account. This is not my main complaint but am using this to establish a pattern of predatory behavior and self-serving practices. My current complaint is the amount of overdraft fees charged and the practices being done. I have overdraft protection turned OFF and am still having money taken out of my account and then charged {$35.00} every time anything comes in, instead of these payments being denied. They are not payments being made by me but payments set an " auto '' that are annual charges that at the time had money for but because simple transactions take so long to post resulted in a number of mishaps. I am negative {$60.00} in actual money from auto payments, in the last 3 days Wells Fargo has tried to charge me over {$140.00} extra in the negative even though my overdraft protection is turned OFF and all overdraft charges should be DENIED.
XXXX XXXX has repeatedly called relatives about my credit cards. When calling, they discuss the card account and the reason for calling which is ILLEGAL. XXXX XXXX has my current address and phone number and has no reason to contact third parties regarding my card accounts. All phone numbers beside my own personal cell phone number should be placed on a do not contact list. XXXX XXXX is using illegal tactics and information sharing.
I HAVE AN ACCOUNT FROM XXXX XXXX XXXX XXXX SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED XXXX IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT.
I have contacted Experian twice since XX/XX/XXXX to remove inquiries from my report because they do not meet the FCRA requirements which that they are only permissible purpose for pulling someone 's credit port is a ) firm offer or credit b ) insurance c ) employment or d ) court order the following credit inquiries are related to non of the aforementioned permissible purpose nor did I authorize these companies to pull my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These items should be removed from my credit report immediately
XXXX prevents my credit usage information to be pulled into XXXX party apps like XXXX XXXX etc. 
I have a right to my charge information via external reporting tools. 
Please investigate and respond, Thanks, XXXX
Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, XXXX and Transunion and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all XXXX credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.
The information on the entry for the XXXX account is incorrect. This account had been reflecting on Experian for the last 5 years a Payment Status of " Paid '', and " Payment Status Details '' of " paid, was charge off ''. It also was reflecting a {$0.00} Balance Due of {$0.00} ( " - '' ) and Past Due of {$0.00} " - '' ). The " Status Updated '' date reflected a date of XX/XX/XXXX. I also received a XXXX in XX/XX/XXXX for the same account and recently requested another copy of the same XXXX. In early XX/XX/XXXX I tried to get my mortgage refinanced and my Experian credit report was updated approximately 4 days later by XXXX to reflect an older " Status Updated '' date of XX/XX/XXXX. In addition the XXXX entry reflected a Status of " Charge off '' with a " Payment Status '' of " PAST DUE ", a P '' ayment Status Details '' of " PAST DUE '' amount '' of {$16000.00} and a " Balance '' of {$16000.00}. My Credit Score also dropped over XXXX Points and prevented me from refinancing my mortgage. I immediately sent a credit dispute letter to Experian indicating my Credit Report information was incorrect and out dated ( i.e. the older " Status Updated Date '' changed from XX/XX/XXXX with the correct information to a " Status Updated '' date of XX/XX/XXXX with INCORRECT information. However, this dispute to Experian resulted in no change to my credit report. I then called XXXX directly and was forwarded to multiple departments and managers none of which were willing to correct my report or acknowledge it was wrong. They directed me back to the Credit Reporting agency ( Experian for resolution ) I sent another dispute to Experian with copies of the '' before '' and " after '' credit reports ( with one copy of the recent incorrect report and multiple copies of the correct report from that had been reflecting correctly for the last 5 years ) and a copy of the XXXX issued back in XX/XX/XXXX but got the same result. No correction updates to my Experian report for  the XXXX account. This information remains out of date and incorrect. This incorrect and out date report has prevented me from refinancing my mortgage, increased my insurance rates and preventing me from getting preferred credit in other situations. Please Help me either get this XXXX entry either deleted or updated back to XXXX out balances and past due amount. This entry is now one month from being 6 years old and had been reflecting positively with a Paid Status, was charge off and XXXX past due for 5 years.
My insurance provider XXXX XXXX was to pay ( and did eventually ) XXXX Colorado for services that they referred me for. XXXX turned the bill over to collections with professional finance even though the bills were eventually paid by XXXX. XXXX made an error and temporarily cancelled my coverage and I should have never had a lapse in insurance. I did communicate with XXXX XXXX about the issue and they said no problem - they would get it handled. I do have correspondence form XXXX that they were at fault and would cover the charges. I was also told there would be no dings on my credit report. Well that apparently was not true. The amounts were {$450.00} and {$330.00} showing as medical collections.
Dear Commonwealth Financial System After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2018 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
I disputed this account 3 times with XXXX, XXXX and Transunion. I asked each credit bureau to send proof of validation and each time I keep getting a report back saying that this account has been updated or either closed but no proof of validation from this company or no original contract and by law if this is reporting on my credit report, I have the right to send me proof of validation. However, I did receive a letter from a collection agency with a total different amount that 's reporting to the credit bureau. I am not liable for this account. They have no proof of validation and reporting different amounts to collection agency and credit bureau. Please have credit bureau send me proof of validation or remove this from my credit report. They are reporting inaccurately.
We spent 11 ( eleven ) years living in a apartment in XXXX, XXXX called " XXXX XXXX XXXX '' at the address XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX we returned the keys. They refused to inspect the apartment with us and return the deposit we had paid 11 years earlier. 
We learned much later that two months after we left, in XXXX XXXX, they reported to the Experian credit agency that we owed them {$400.00} and we refused to pay. In XXXX XXXX, we received a letter from them to pay {$400.00}. No explanation, just : " send a check for {$400.00} ''. 
I ignored them. Eight months later, XXXX XXXX, I received a letter from someone who claimed to be debt collector by the name " XXXX '' in XXXX, XXXX to send him a check for {$400.00} plus {$20.00} for his pocked. I asked for an explanation : who wants me to pay money to whom and why. He send a list given to him by that apartment business headquarted in XXXX XXXX XXXX, XXXX. 
The list started with an amount of {$94.00} for which no reason was given as to why I should pay. Several entries followed with preposterous reasons given why I should pay. The list ended with the entry " Tax : {$5.00} ''. 
I asked why they thought I owed them that money. This was preposterous, in a Court of Law they would be thrown out by any Judge. The so-called debt collector sent me a copy of out last lease. I did not respond. I did not pay. 
In XXXX XXXX, we tried to get a loan to buy a house. This is how I found out that that apartment business from XXXX had reported to Experian that we owed them money and that we refused to pay. And they had done so two months after we left and had no idea that they wanted me to pay money to them. 
Around XXXX XXXX, I wrote a long letter to Experian disputing the entry in my credit report. Experian asked for evidence. I sent them the evidence. Experian responded by sending a printed leaflet " Your rights as a consumer '' and moved the negative entry in their record from XXXX XXXX to XXXX XXXX. That is in the month in which they broke the law. Which says that they have the obligation to investigate within 30 days and publish the results. A look at the list is sufficient to know that the owners of the " XXXX XXXX XXXX XXXX '' and/or their representatives and also " XXXX XXXX XXXX '' are criminals. They demand from me to pay money and they refuse to say why. And Experian co-operates. This makes the Experians criminals too. 
In the meantime I have been told several times by many different people that especially Experian does business with so-called debt collectors extorting consumers and make big money together. Why did Experian move the entry from XXXX XXXX to XXXX XXXX?
I sent a PDF form request with attachment as instructed below to   XXXX   XXXX   XXXX     XXXX   XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX  requesting my credit history several weeks ago  XXXX   XXXX   XXXX ,   XXXX   ). To date I have not received any confirmation that my request was received by   XXXX   XXXX   XXXX   XXXX   XXXX  !!   EQUIFAX refuses to provide an ONLINE report, they averred : Online Delivery Unavailable, We are not able to deliver your free Equifax Annual Credit Report online.     How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX , GA  XXXX  Please include with the attached form a copy of  XXXX  item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address.   Identity Social Security card Pay stub with Social Security number  XXXX  Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility  bill ( gas, electric,   water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license,  XXXX  forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents.     Why have n't I received a confirmation from   XXXX   XXXX   XXXX   XXXX   XXXX  ? Why does Equifax REFUSE to provide online reports?!!!
Transunion 's online XXXX step credit dispute does not work. 
I could n't progress beyond page XXXX because it would n't accept my numerical address. 
It asked for an '' alpha numerical '' number? 
I 'm going to write them, snail mail. It will take less time. 
I need to report that someone from XXXX XXXX reported it as my phone #. 
Also someone from XXXX, XXXX XXXX reported it as my phone #.
Today I received in the XXXX Mail my " TransUnion '' credit report dated " XXXX/XXXX/2016. '' Under the section entitled " Addresses Reported '' it has currently living at : " XXXX XXXX XXXX ; XXXX, CA ; XXXX. '' I am the victim of Identity Theft. I had previously called " TransUnion '' to ask them to please " Delete '' this fake " XXXX XXXX XXXX ; XXXX, CA ; XXXX '' off from my " TransUnion '' credit file and they wanted to " pay them '' first to do so! I have lived in XXXX, California for the XXXX consecutive years. I do n't even know " XXXX, California '' is even located at.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due X/2016, 60 days X/2016, 90 days X/2016, 120 days X/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.
I have been charged interest charges on unpayed balance since XX/XX/XXXX upto and including XX/XX/XXXX. During this prior of time I never received a paper or e-mail statement on billing. Therefore Sears Citi Credit Card Company has been taking the mim.payment from my checking account and adding interest at a high rate monthly on the unpayed balance. I think since I did not received any monthly statement that I should not be liable for any interest charges to my account. Prior to this time frame I have always pay my bill in full monthy. I am a Senior age XXXX and not afford all of these bogus charges. Request an Investigation into this matter.
On XXXX/XXXX/2017 I was contacted by someone ( XXXX ) claiming to be looking for an individual. When I explained that I can not release information about an employee to outside people for personal work matters the person became hostile asking for our HR department. I informed them that I can not transfer him to HR for this matter he made a snide remark and hung up on me. 

I then called the number back to find out that this was the Cash One Legal department
I am not satisfied with XXXX XXXX 's response to my earlier complaint. 

I do not owe XXXX XXXX. 

I feel terribly cheated to be asked to pay what I do not owe. 

Judge passed judgment without seeing sale and foreclosure papers. Not fair. 

Purchase price was exactly foreclosure price leaving balance as zero. 

See papers attached. 

Remove the writ of my properties.
My account is in a forbearance status yet my credit score dropped XXXX points last month Because the balance went up on my navient loans! Its no way that interest in one month is XXXX. A
Experian is reporting inaccurate information on my Credit report and said information does not belong to me. Experian has re-aged the inaccurate information on my credit since 1998 and is in violation of several federal laws. The information does not belong to me.
XXXX and XXXX are both reporting a missed loan payment from XXXX for XX/XX/XXXX. I graduated XXXX on XX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX- {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of this.
My husband and I are paying Dyck O'neal, a collection agency, a deficiency of {$12000.00} that occurred after the closing of a Short Sale of our first-time buyer property condominium in XXXX, FL. At time of closing the Financial Advisor did not have the name, address, and telephone # of the prospective collector. By the time we finally start paying an agreed amount of {$70.00} per month at no interest charge, Dyck O'neal had already figured how to present the month/months prior to our first agreed payment as pass due. We have been paying our dues from the moment we knew who to pay it to, their address and telephone No. for it was a Promisory note, therefore, it was to our best interest to pay this account. We want Dyck O'neal to STOP ruining our credit reports by saying we have been delinquent, this is not fare to us, and it is incorrect information ; they also promised to straighten this issue with XXXX, but they did not comply.
I received a letter stating I had been overcharged one full payment for my auto loan. Santander USA has refused to issue my refund, stating I am not submitting proper identification. I have sent copies of my drivers license twice. They have promised I would receive calls from their financial department, and they have not contacted me.
In XXXX I was contacted by The Advantage Group claiming I owed a debt ( {$1200.00} ) to the XXXX for when they brought me to the hospital in XXXX XXXX ( after hospital admittance I had my XXXX. I would later return for my XXXX in XXXX XXXX. ) After I received a bill for the ambulance ride, I contacted XXXX and they said they would pay and not to worry about a thing. Imagine my surprise when a year and half later ( XXXX XXXX ) a debt collection company is calling me. I contact XXXX and they said they had sent me a check to pay the XXXX, I told them that I never received a check and that was verified because their accounts showed that the check had NOT been cashed. They said they would cancel the check and send out a new one immediately. Weeks go by and I still have not received a new check. I call and they say do n't worry, it has to go through their finance department and it would be sent out soon. This exchange would continue for a couple more months until finally someone at XXXX tells me the entire check has been cancelled and the MONEY HAS BEEN RETURNED TO YOUR GROUP. The end. They can no longer help me. So I contact the Benefits representative at the company I used to work for, XXXX XXXX ( XXXX XXXX ), XXXX XXXX. I explain the situation to her and she says she will figure it out for me. A week goes by and I hear nothing. I start calling her on a WEEKLY basis trying to get some sort of answer, every time she answers ( when she answers ) she responds with " I have your number, I will call you. '' The last time I talked to her was in XXXX. In the meantime the debt collector informs me that they have reported it to the major credit bureaus and the debt amount is increasing. I verify this information- and sure enough, they have dinged my credit. So I pay the debt, ( now {$1400.00} due to late penalties ) hoping that they will take the report off of my credit as soon as possible. I have been working on my excellent credit for 15 years. There is some sort of LIMBO between XXXX XXXX and XXXX and neither one is budging on refunding my money and correcting the blemish on my credit. What I think happened was XXXX up and did n't realize they had an outstanding check that had not been cashed for over a year, and upon realizing their mistake, they cancelled the entire thing and left me without a way to pay the XXXX. THEY were supposed to pay them- they already had a check ready to go, but for some reason I never received it. And instead of issuing me a new check, they supposedly gave it to my benefits group- to a company that I no longer work for and I have to pay for this debt that IS NOT MINE out of my own pocket and take a credit hit for it.
CAPITAL ONE IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.
# 1 TransUnion is reporting XXXX XXXX as well as XXXX XXXX and it is the same account. that is double jeopardy and must be removed as only the company that actually holds the account can report the account. If they are both reporting it, it looks like I owe twice the amount on my credit summary. The original creditor does NOT hold the account anymore, therefore it must be removed or must show that it was transferred to another company, which it does not. Please see credit report that is attached. 

# 2 TransUnion reinserted XXXX XXXX after it was removed from my XXXX/XXXX/16 credit report and I am not seeing it back on my XX/XX/XXXX report and I was not notified within XXXX business days of said reinsertion which is a violation of section 611 # 2 I 've notified TransUnion that they have the wrong filing date on the bankruptcy and they came back saying that " bankruptcies will stay on your credit report for 7-10 years ''. I never asked how long they stay on there! I also wrote the court and their response was that they dont do any verification whatsoever with the credit bureaus and so, in consideration of the fact that they can not verify this and that they are reporting it incorrectly it must be removed. In addition, I did not give my authorization for them to report it on my credit file pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;