WillisBack/dataset-financial-user-claim huggingface dataset:
The credit report dated XX/XX/XXXX provided by XXXX showed XXXX XXXX for two accounts showing on my Transunion report. Those accounts numbers were account # XXXX and XXXX. As of XX/XX/XXXX, they reported that the amount owed for account # XXXX was {$250.00}. On the same date, they reported the amount owed for account # XXXX was {$260.00}. The original accounts from the original creditor, XXXX, became delinquent as of XX/XX/XXXX. This means that XX/XX/XXXX would be the correct Date of First Delinquency. As of XX/XX/XXXX, according to a statement from XXXX, the final amounts owed were {$210.00} and {$170.00}. The accounts with XXXX were charged-off and any interest or final fees owed to XXXX can not be applied after the charge-off occurred. XXXX XXXX, a debt buyer, can not legally inflate the amount of the debt after the original creditors write-off. Under 15 USC 1692f 808 ( 1 ), the  law states the following : The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
This is no legal explanation as to why the amount owed in the two collection accounts was inflated. We can only assume that this was done in retaliation since they only inflated the amounts after I filed a dispute with the credit bureaus because the company was reporting an incorrect amount for both accounts ( less than what it shows now but more than the original amount ) and the dates were being reported incorrectly. These debts are from XX/XX/XXXX. From XX/XX/XXXX until the time that I filed the dispute with the credit bureaus in XX/XX/XXXX, the original amounts have never increased. They did not increase until I filed the dispute which shows a clear retaliation from XXXX XXXX. 
In addition, the company is showing the wrong first date of delinquency. In this case, it would be XX/XX/XXXX. They are reporting a date in XX/XX/XXXX in violation of my rights as a consumer. I am attaching a previous credit report from this year as well as my most recent one so you can see the increase in the amount reporting. Please note that the XXXX credit monitoring that I am using shows the original creditor reporting however it is actually XXXX XXXX that is reporting the accounts to Transunion.
We applied 3 times to have our mortgage modified with Wells Fargo and were rejected all 3 times and subsequently lost our home to foreclosure and were forcefully evicted in XX/XX/2016. We have hired legal representation regarding this but would like Wells Fargo to contact us directly regarding these matters.
I have the Home Equity Line of credit with Citizens Bank since XXXX XXXX. It 's an adjustable rate based on Federal prime rate. Initial rate is 3.09 % APR. I paid regularly and never late for my payments. I borrowed {$110000.00} initially but increase to {$160000.00} in XXXX XXXX to cover my boys student loans.. And now my balance is down to about {$130000.00}. This year they increased my APR 3 times- XXXX XXXX to 3,10 %, XXXX to 3.35 %, XXXX XXXX to 3.6 % .When I call consumer finance department of the bank - representative, XXXX XXXX replied that the rate increase is based on XXXX XXXX XXXX rate .
Wells Fargo at the XXXX XXXX in XXXX sc opened a bogus account. XXXX XXXX was the banker. When the credit card and statement arrived there was no balance associated with it. We called to complaint to the manager and he denied this practice this was late XX/XX/XXXX-XX/XX/XXXX they took advantage of a XXXX XXXX.
XXXX is the only credit bureau reporting Diversified Consultants Incorporated on my account. I had an outstanding balance with XXXX which I did n't receive notifications about because I moved. The bill amount was actually for the new tenant who moved in, but the larger issue was that this information was reported onto my credit report. <P/>DCI reported various balances, from $ XXXX- {$250.00}, so i disputed their reporting and went into a XXXX store to find out the true outstanding balance. I went into XXXX and was notified the balance was {$150.00}. In XXXX 2017 I paid the amount directly to XXXX in XXXX, CA and was assured the information would be removed from my credit report because my account had NOT been sold to DCI, and the collections portion was recalled because I paid. <P/>I pull my credit report in XXXX, and DCI was still reporting an outstanding collection. I sent DCI a copy of my receipt paid to XXXX, with a print out my account that also shows XXXX balance. A copy of the receipt was also sent to XXXX, XXXX and XXXX. XXXX and XXXX have removed the lines. <P/>My XXXX report states DCI is reporting a XXXX balance, but this information needs to be removed. DCI claims on XXXX that I paid them in XXXX 2017, this is false. DCI is reporting a Paid status, but this is inaccurate because I never paid them, I paid the original creditor directly, and is in direct violation of the Fair Credit Reporting Act.
I am contacting your agency in hopes you can help me get in touch with my bank Chase XXXX XXXX. I am dissatisfied with the manner at which my bank handled my disputes. And I would like to request that they re- investigate them. Back on XXXX XXXX XXXX I got contacted by XXXX XXXX XXXX XXXX XXXX XXXX, for an online business opportunity, they charged my card a total of {$14000.00} and they did not provide the services as described. I appreciate your help.
My FHA mortgage loan is currently serviced by Wells Fargo. Wells Fargo has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Wells Fargo is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Wells Fargo has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency.

Per the Qualified Written Request submitted XX/XX/XXXX, I am seeking total accounting records. I filed Chapter XXXX bankruptcy cases on XX/XX/XXXX and XX/XX/XXXX. In both cases many payments were sent from the bankruptcy trustee to Wells Fargo.the total estimate is 24 payments. Wells Fargo does not show that one payment was applied during the bankruptcy process. Wells Fargo has initially misapplied payments to force me back into foreclosure. Wells Fargo has violated the Federal Bankruptcy Code.

Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of 2012 ( NMS ). Per the NMS, Wells Fargo is obligated to process the loan modification with transparency. Wells Fargo has refused to cooperate and is threatening foreclosure action, as they have set a foreclosure sale date of XX/XX/XXXX. 

Wells Fargo has also refused to offer formal mediation options per IN 32-30-10.5. They never served proper documentation via certified mail or process server. Wells Fargo is attempting to bypass IN 32-30-10.5 to speed up the foreclosure process. 

Based on the violations listed herein, I am seeking your assistance on this matter. Wells Fargo has set a foreclosure sale date of XX/XX/XXXX. You can reach me at XXXX or XXXX.
I purchased 2 items on XXXX I returned the items and can not get a refund I have the tracking # s and confirmation # s from XXXX Here is what XXXX sent me. I am dealing with XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Fl XXXX I will scan the tracking # and include this in the complaint. I spoke with XXXX agent # XXXX Refunds : ( From XXXX XXXX XXXX -- Refund ID : XXXX : crow : XXXX = {$11.00} XXXX -- Refund ID : XXXX : crow : XXXX = {$10.00} i hope this information helps. 

We'd appreciate your feedback. Please use the buttons below to vote about your experience today. 

Best regards, XXXX XXXX. 
XXXX
I have submitted a complaint to the department of education and they replied that they do not handle private loans, my problem is the federal loans, not the private loans. Navient will not work with me to lower the payment to get it up to date. XXXX I called, the female on the other line said she could charge a {$150.00} fee to put my account in forbearance ( my payment is {$130.00} ). She then said to make the payment of {$130.00} and she would help me to lower the payment. At this time I had maybe {$3.00} in my account. She drilled me about my expenses which was an invasion of my privacy and made me uncomfortable. She gave me no options to help me and told me to contact the department of education. After this conversation my credit went down from great to fair because of navient, stating I was 60 days overdue. I got an email from a XXXX XXXX that he was looking over my account XX/XX/XXXX and never heard back, I called XX/XX/XXXX to try to work something out again with no luck. I was told that this XXXX XXXX would contact me next week sometime. I am frustrated and dont want them to affect my credit, it should have never been reported to begin with. This company is a bunch of crooks and I would like a resolution.
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX XXXX   with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
I sold a pewter tea pot in XXXX for XXXX I did everything right I mailed it the day after the sale, he received the tea pot and everything was fine he let XXXX know he received the tea pot in good condition. XXXX said I should have my money by XX/XX/XXXX pay pal kept it in pending status for 3 weekss. I made numerous calls to XXXX and pay pay to find out when I was going to get it my customer has the tea pot in XXXX and I have no money mean while XXXX wants paid their XXXX commission and I still dont have my money I told them I will pay them when I get my money. Finally XX/XX/XXXX pap pal says my funds are ready I called pay pal to see how to transfer it into my checking account a fellow from pay pal walked me through it so I thought I was done and would finally have my money 15 minutes after I did the transfer I get a email from pay pal saying they are are placing my funds under review and its on hold for 48 doesnt say days weeks or years if it passes the review they will release my money, so my money is now sitting in pending again. I called pay pal and a fellow said he would see if he could over ride it well he couldnt this was my first and last experience with them. I just want my money I was suppose to go on vacation and planned to use that XXXX. I have spent so many hours trying to fight for my money
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX   Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I submitted a dispute to Equifax for account verification and what i got back was a piece of paper with the amount of the debt and some dates not my personal information or a contract stating that that debt was mine. 
XXXX XXXX XXXX is reporting on my report but somehow XXXX XXXX is who supposedly verified my information with was not verified Equifax its reporting unverified information on my credit report and they are not conducting a proper investigation. 

XXXX XXXX XXXX XXXX # XXXX
I recently opened an XXXX Invest account and I want to link my Capital One checking account for the purposes of funding the investment account. After talking to Capital One support they confirmed that they are currently blocking the connection due to security, even though XXXX likely maintains equal, if not greater security standards than Capital One.
I recently graduated college in XXXX and have just about 90,000 in private student loans from Sallie Mae. I have my federal loans under control with an income drive plan and I am hoping for something similar from Sallie Mae. They want me to pay about {$1000.00} a month for the loans, which I have called numerous times to say that it is too much with the amount I make and other expenses I pay a month. Right now they are 2 weeks overdue and I have been trying to get a more realistic payment plan for about a month and a half with them. I have spoken to someone from the collections team many times and they have taken in account all of my expenses and say the lowest they can go is {$370.00} a month. This obviously is much better, but still way over what I can pay at first a month first right out of college. Between all my loans I have 3 co-signers. My nana, who recently deceased is on about 65 % of them. My aunt who is in no way financially stable is on 20 % of them and my girlfriend who makes the same amount as me and we split our bills is on the other 15 %. Sallie Mae keeps trying to reach out to her even though I said there is no way to reach her and I never planned on using any of my cosigners to pay back my loans and let them know that multiple times. I call Sallie Mae and say I want to be in good standing with you and my credit and make these payments on time so I am trying to work out a plan that I can pay you every month, just not that much. They just refuse to go below {$370.00} a month, which I can not do and want to get a payment I can afford out of college and not default on every month.
I'm getting as much as 30 calls a day and when I block the number they call from the same location with a new number. This has gone on for two years.
Information that was removed from my credit report according to XXXX XXXX. This was over 6 months or so ago when I disputed the accounts and they were removed. As of XX/XX/2018, when I checked my XXXX XXXX account, these accounts were put back on my report. By law, this is illegal. There must be something in writing concerning this. I have not received anything. This is causing henderence to my credit report and score. I would like for Equifax to remove these and keep them off. Please advise.
I was initially contacted via email XX/XX/2016 by an individual stating they were a Broker for XXXX in XXXX and that they were interested in purchasing a timeshare I own at XXXX in XXXX. 

In order to complete the transaction I was told they needed a copy of my driver 's license and passport in addition to wiring {$1800.00} to XXXX in order to cover the costs of a power of attorney, remaining maintenance fees, and transfer certificate. After I had provided the documents and wired the money they stated that the " buyer '' had deposited an additional {$8900.00} into the escrow account to cover the cost of paying off the timeshare and are now requesting that I wire this amount to them before the funds in escrow will be released. I became concerned about the legitimacy of the request and discovered that the " Sr Broker '', XXXX was actually a criminal using an inactive license with the XXXX Division Of Real Estate from the Real XXXX who reported that he was a victim of identity theft over 1 year ago. 

I had spoke to the following people representing themselves as brokers for XXXX : XXXX, XXXX, and XXXX. Another individual, XXXX, stated that he was the Financial Escrow Executive for XXXX in XXXX. 

The contact information I received for each company is below : XXXX, XXXX XXXX Phone : XXXX Fax : XXXX Email : XXXX Website : XXXX XXXX, XXXX XXXX Company No. XXXX Phone : XXXX Fax : XXXX Email : XXXX Website : XXXX
Why are you all allowing Navient to get away with ruining so many people 's financial futures? Have you not looked at the complaints, which basically tell the same story -- that this company has no business handling loans, or even being allowed to operate? 

I have complained before, to no avail, about how my loans were handled. Number one, they called my employer back when I worked for XXXX several years ago, something I had never told them was okay to do. Then, when I began paying them {$210.00} a month after being told for MONTHS that I HAD to pay {$1200.00} ( the first request for that ludicrous payment was made not even a MONTH after I graduated when I was only making {$11.00} ), I ASSUMED that my payments were being split up between my multiple accounts. I AM STILL WAITING for someone to explain to me how ANY of those loans went into default. The only conclusion I can draw is that my payments were NOT being applied as they were supposed to. Not only that, the balance NEVER WENT DOWN. Now I'm getting sued left and right after asking for HELP. I don't understand how this can continue to happen. I was NEVER offered IBR, I was told I had used up the ONE forbearance I was allowed, etc. This is crazy!
I HAVE A CAPITAL ONE CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON CAPITAL ONE CREDIT CARD BILLING SITE. THE ONE I MADE ON CAPITAL ONE SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. CAPITAL ONE REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.
This number XXXX XXXX XXXX left me an automated voice message regarding a debt and then somehow called my brother about me ... when i call back it is a voice message box i would like them to not contact family
To whom it May Concern, I have disputed XXXX XXXX with XXXX  and Experian, each month for 3 months starting back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding a account being unverified each dispute XXXX XXXX has came back as verified. XXXX XXXX has been recording account as date opened XX/XX/2013 with the amounts {$6600.00} listed on the credit report. On XX/XX/XXXX XXXX sent a debt validation letter for XXXX financial to verify the debt regarding what was sent based on my credit report. I have attached the letter that was sent by XXXX XXXX company regarding validating the debt.
My doctor signed a form classifying me XXXX incapable of working around XX/XX/XXXX, this is why my job the Veterans Medical Center ( VA ) where I worked retired me and pays me annuity for XXXX incapable of working. Then the same XXXX form was given to the Social Security Administration and social security pays me for being XXXX. I mailed these forms to Department of education and they still took money out of my check 10 years ago. Department of education ask for another form from my doctor and I had my doctor sign the form stating I am permanently XXXX incapable of working and mailed it to them again. I have had XXXX different doctors sign forms for XXXX and I have mailed them in and the department of education still takes money out my check. I am trying to upload you papers. I mailed NELNET hardship forms also and I have emailed NELNET forms signed by my doctor permanently disable as recently signed XX/XX/XXXX. Yet they still take money out of my check. I want all my money back from the last 10 years, I have records of all of it. I mailed the Department of education and NELNET numerous signed doctors forms stating I XXXX, Social Security Administration pays me because I gave them a doctors form stating I am XXXX and the VA pays me a XXXX annuity ( my own job ) and they still take my money.
CRA violation no knowledge inaccurate accounts on my Experian credit report. FTC ID Theft Report # XXXX
The company has contacted me multiple times about this debt, and every time I request more information, they say they will mail me a letter. After a few months of this, they finally mailed me a letter but it contains no information about the debt other than the amount. It says the debt is to XXXX but I currently have a XXXX account and do n't show a balance due on the bill. Additionally, the company never said that I could dispute the debt or gave me information on how to verify the debt. In conclusion, this debt is not mine, and the company failed to provide further information or ways to dispute the debt.
My mortgage servicer, Freedom Mortgage, is continuing to charge me monthly private mortgage insurance even though I have met the requirements for PMI cancellation and have requested cancellation numerous times. 

It has been more than 30 days since I requested PMI cancellation. Freedom Mortgage tells me I need to get a broker 's price opinion. I submitted the required paperwork and fee for the BPO. Freedom Mortgage cashed my check for the fee but has refused to schedule the BPO. I have phoned them numerous times in an attempt to resolve this issue.
It is my understanding that credit card companies should no longer be sending statements with your entire account number in them. Amazon however continues to still do this. How is it they are allowed to continue to put everyone at risk? Only the lastXXXXnumbers should be showing.
I took out my mortgage in XXXX 2009. At that time, P & I, homeowner 's insurance, and property taxes came out to approx. $ XXXX/mo. Since 2009, my mortgage has increased each year to where it now is $ XXXX/mo. During that time, my property taxes have gone from approx. $ XXXX/yr to $ XXXX/yr and my homeowner 's insurance has increased from approx. {$550.00} to {$630.00}. Based off of my calculations, since I put down over 20 % when I bought the house and do not need nor have PMI, I am being overcharged each and every month. I have called Suntrust Mortgage but have not yet received a call back from them explaining this discrepancy.