WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I was notified through my credit monitoring that I had a derogatory mark placed on all 3 of my credit reports. After viewing the account, I noticed Waypoint Resource Group had placed a collections account in the amount of {$200.00}.

I never received a Validation Letter to dispute this said account. So I called them directly and was told that it was my responsibility to contact the original creditor and validate my debt with them, which I believe is not my responsibility to do so, its the debt collectors.

I did research on Waypoint Resource Group on XXXX reviews and found that there is multiple people complaining about them just placing collection accounts without any notification.
XXXX  and XXXX are two of the most recent claims filed against Wells Fargo. We also filed with the OCC multiple times except this time, we were told that the CFPB does not handle XXXX XXXX and to immediately filed with the OCC. If you look back at our prior claims, we have not deviated from the initial claim except to separate the claims. If you look at the evidence, we have never implied anything different except where the evidence takes us. We now are opening a 3rd, 4th or 5th claim? The evidence from the first two listed claims and additional evidence we will provide. I AM WRITING THIS IN ALL CAPS SO WELLS FARGO READS THIS LOUD AND CLEAR. XXXX XXXX, IN WHICH YOU VIOLATED YOUR OWN POLICY TOWARDS INVESTIGATIONS AND XXXX. NO ONE EVER REACHED OUT, NO ONE. WE COMPLAINED ABOUT FRAUD ... HERE IS WHERE OUR CLAIM TAKES A DIFFERENT PATH WHEN IT COMES TO WELLS FARGO. We believe Wells Fargo not only broke their FIDUCIARY OATH, but they also DID commit XXXX XXXX, Breach of Fiduciary Duty, Breach of Covenant, Breach of Trust, and finally they violated Punctilio of Honor. Loyalty, honesty and good faith constitutes Punctilio of Honor. They can not deny the fact their company violated these acts 3.4 million times!

When one person does agree to act for another in a fiduciary relationship, the law forbids the fiduciary from acting in any manner adverse or contrary to the interests of the client, or from acting for his own benefit in relation to the subject matter. The client is entitled to the best efforts of the fiduciary on his behalf and the fiduciary must exercise all of the skill, care and diligence at his disposal when acting on behalf of the client. A person acting in a fiduciary capacity is held to a high standard of honesty and full disclosure in regard to the client and must not obtain a personal benefit at the expense of the client. ( b ) Uniform reports and simplification of instructions. Remember 3.5 years. XXXXXXXX XXXX XXXX  out of XXXX, Tx said we should opt out because we will not receive what is due to us.

The Federal banking agencies shall, consistent with the principles of safety and soundness, work jointly ( 1 ) to adopt a single form for the filing of core information required to be submitted under Federal law to all such agencies in the reports and statements referred to in subsection ( a ) of this section ; and ( 2 ) to simplify instructions accompanying such reports and statements and to provide an index to the instructions that is adequate to meet the needs of both filers and users.
I am called at least daily by Navient regarding student loan debt I co-signed for, starting the day it is over due, and continuing every day thereafter. They say " cease and desist '' is not applicable. The payment is {$390.00} per month and has never been more than 30 days behind.
I mailed a certified letter to Equifax on XXXX/XXXX/XXXX requesting method of verification for an account that is inaccurately reporting on my credit report. The company is AD XXXX XXXX SERVICES. Equifax received my certified letter on XXXX/XXXX/XXXX and mailed me a follow-up letter dated XXXX/XXXX/XXXX which I received in the mail on XXXX/XXXX/XXXX. However, the letter did not provide what I requested, which was method of verification. Furthermore, the letter stated that Equifax will not investigate which is a direct violation of my rights. I never asked XXXX to investigate in my most recent letter, I asked for method of verification. I requested the name, address, phone number, date and time of the person Equifax spoke with to verify this inaccurate information. I also requested the name, number, department and title of the person from Equifax claiming to have verified this information. According to the Fair Credit Reporting Act ( FCRA ) credit reporting agencies have to provide method of verification within 15 days of my request or the information must be deleted from my credit report. Since Equifax has been unsuccessful in providing method of verification for AD XXXX XXXX SERVICES I demand this inaccurate information be removed from my credit report immediately. I also want an updated copy of my credit report once this has been completed.
I have contacted this company several times in regards to this issue. They have not provided me what I needed. I asked portfolio recovery to send me a copy of my itemized bill showing all the charges to this account as well as the contract that states this was mine. This company provided me a bill 6 months after this account was supposedly delinquent. By not providing me an itemized list of charges and the contract you are preventing me from disputing all or part of this bill. I really wish this company would stop giving me the run around. I would like the last bill with all of the charges and the contract that proves this bill is mine. If you can not furnish this information please remove it. How do I know this is not a bill from another XXXX? This could easily be someone else bill as my name is very common.
Midland Credit Management sent the enclosed letter on XX/XX/XXXX when I got it, stating they have tried to contact me several times I request a copy of there mail receipt showing there documents sent to me.. a certified copy of a alleged contract with myself the furnisher and Midland on the original contract. Threatening me with a law suit after claiming they contacted me with no evidence. The enclosed letter was fax to them on XX/XX/XXXX only after I called them for the fax, First refusing to give it to me Because I said I was recording to as they were..Please not the letter sent to Midland Section 73 American Jurisprudence { Am Jur } 2nd Sect 93 Stats that a third party can NOT enter to or on a contract, Subrogation does not exist for a stranger not originally name on a contract where bought sold traded, given please provide all documents that I request in my letter faxed to you in deTail Every thing
On XXXX-18 I received 2 phone call from synchrony bank TJX rewards. On the second call I answered. In this conversation I had to ask what company she was with three times because she would tell. She falsified release of information and documentation on the account. She removed information from the account and when requested to speak with a supervisor she went silent and never transferes the call. I waited about 5 minutes to ne transferred and continued to ask " am I being transferres to the supervisor? ", no response but I could hear whisper and random noises. 

About an hour later I called Synchrony bank TJX rewards back, got a gentlemen who was unable to pull my records by phone. I was forced to release my social security number for my records to be pulled. I explained the situation and he stated no notes from prior conversation that day ; another example of falsification. I requestes to speak with a supervisor and he transferred me to XXXX XXXX who updated my phone number back into the system and verified my information synchrony bank has. She explained that they would look into the situation. I dont believe this matter will be reviewed and handled as she states. 

I had called in last week and advised of my situation and what my plan is. Ive made arrangements and advised them that I am aware that my credit could be impacted. 

I would like a full investigation done on this matter. Per my cell phone recordings this conversation took place on XXXX-18 at XXXX. PST. Please pull the recordings and listen to the conversation with XXXX and dont rely on the company to do their due diligence on the matter. 

I feel that I am being harassed, threatened, misled, & abused by Synchrony Bank TJX Rewards. This  is a serious matter that needs to be addressed.
XXXX XXXX I sent a letter asking for Equifax to look into several accounts I have issue with and believe may be incorrect. I sent a follow up letter XXXX. It is now XXXX and no response. This is a violation of Federal law
I reviewed my credit report and found that several companies did hard pulls on my credit report. XXXX recently did a hard pull of my credit. I spoke to a sales a agent in my front yard about signing back up for their services. The sales person said that they would not run my credit. I signed up to speak to someone. I never gave my SSI number ever. my wife was standing next to me when the sales person said 5 or 6 times they would not run my credit. They asked for my driver license number so they could run a premise history. When I check my credit I noticed XXXX conducted a hard inquiry. I contacted XXXX along with the sales person and they did not have any answers for me. This is the 3rd time XXXX has run my credit over the last 2 years without permission. I submitted a dispute with Equifax and they spent a whole 24 hours conducting an investigation. 

I also submitted a dispute on XXXX XXXX They did a hard inquiry in XX/XX/2016. I have made several attempts to file a dispute with Equifax and they continue to say the company had permission. I have never heard of the mortgage company and I was not looking for a montage.
We had hail damage in our roof last year. We opened a claim with the insurance company who approved it and released the funds right after the job was done in late XXXX. We tried to get the check deposited but because of the amount, our mortgage company required contract/bid/tax documents, etc from our contractor. We provided everything and after several phone calls back and forth they finally released a part of the funds. The total cost of the project was XXXX XXXX and they sent us a check for XXXX in XXXX. They still have {$6500.00} to release to us, but that is pending inspection. Since early XXXX I've been contacting them weekly ( lately almost every day ) to get the inspection scheduled. They assigned me an inspector, who contacted us on XX/XX/18 and left a message to call him and schedule the inspection. After 3 attempts without being able to get a hold of him, his phone number got disconnected ( XXXX XXXX XXXX ). Then I called again the mortgage company to explain what happened. They said they would assign another inspector. I have not heard anything back from anyone and every time I contact the mortgage company, they say they've escalated and someone will contact me soon. They refuse to give me an email, so I can have written documentation of this mess or to give me the inspector 's phone nr. I am losing my patience with this company that won't give me any answers or my money back. We have our mortgage through XXXX XXXX XXXX and the division that works with the claims is XXXX
My wife and I have consolidated federal student loans through Navient. We are both going to graduate school and both sent in student loan deferment request forms. We have been going back and forth with them for weeks. The first time we called, they claimed they did n't have my wife 's form, but had my form so we sent hers again. We then get a denial letter and when we called, they said it was because they did n't have my form, even though the first call they said they had mine. So, I had my school send it again. Finally, we got an APPROVAL letter and that our deferment was effective immediately. Two days later, we received another denial letter. WHAT?? The letter states they did n't have my form, in which I sent it AGAIN. I was flabbergasted how they could send was an approval letter and 2 days later send a denial letter. Now they have both our forms supposedly but state mine is n't filled out properly. Keep in mind that our schools have to fill these forms out ... .they do this all the time. My advisor states the form she filled out is filled out the same way she always fills it out and this is the first time she 's had a problem with it. I 've been off and on the phone with them for weeks with no resolution. Have the time I 'm on the phone, the representative barely speaks English and she doens't undertstand what I 'm trying to get across. I have proof of approval and then 2 days later a denial and now no one at Navient seems to know what to do. Please help.
We have had a checking account with Wells Fargo ( formerly Wachovia ) for nearly 15 years, during our last visit to the XXXX branch we were persuaded to take out a credit card which would 'even out expenses over the year '. I had to make a deposit of {$300.00} and was charged {$25.00} for the annual fee. When the card arrived I had a credit limit of {$300.00}, being the sum I paid in, which makes it a pre-paid account in my view. I have tried unsuccessfully for weeks to sort out the return of my {$300.00} and the closure of the account. 
I spoke to their customer services two weeks ago and said I wanted to return the {$300.00} to my checking account and close the credit card account. As I had a bill to pay I needed it straight away and so said I would take it as a cash advance and the chap said the 3 % fee would be waived and the account would be closed, using the collateral account to pay the cash advance amount. 

I logged on my account today to see that the credit card account is still active with a balance of {$310.00} and a payment of {$40.00} overdue.
From XX/XX/XXXX to XX/XX/XXXX, Wells Fargo Home Mortgage/American Servicing Company, Repeatedly, had us completing Home MOD Documents, every three months, and denied us every time, as we fellook behind on or mortgage ddue loss of income and excessive medical bills, Wells Fargo/ASC forced us to fill for chapter XXXX bankruptcy on XX/XX/XXXX which was accepted, On XXXX XXXX, XXXX Wells Fargo/ASC, sent their vendor and had our front door locks top and bottom drilled out, placed new locks on our front door, as well not leaving a key, but also leaving ore front door completely unlocked, after we had filed for bankruptcy. PLEASE HELP! DUE TO THEIR FRUADULNT PRACTICES WE HAVE LOSS OUR HOME, WE OWNED SINCE XX/XX/XXXX
Agency Call me two time, First time I was at work Lunch time, He mention that My debt from Old Navy is around the amount of {$1700.00} which is not correct. I ask for a verification of amount of the debt in writing but they refuse. Then, I told them that I ca n't continue the phone conversation since I was at Lunch in my work. Again, they call me on XXXX at XXXX threatened that I own over {$1700.00} and again I indicated that is not the correct amount. He offer a discount so I could agree in that momment to paid the amount of XXXX XXXX something. ( Ca n't remember the correct amount do to his improper way of talking and threatened ). And again I said that I ca n't agree to nothing before the debt amount is verified. They he turn mad and threatened me to sue me and talking to someone in the background that to pass over the file to the Attorney ... 

I never refuse to paid. I also ask for clarification of the amount of the debt and was refuse to me in both phone calls. I 'm a resposible person and I understand that there is a debt that need to be verify the amount because is not the correct amount. I feel dishonor, disrespectfull and since then I ca n't XXXX all the time thinking of the situation of this Collection Agency. I once back on XXXX when I enlisted to the XXXX XXXX XXXX XXXX, I sent a letter asking to settle the outstanding debt but never receive a response back from the Original Agency ( Old Navy ). Now I have this collection agency calling me and threatening me like if I didnt do my part before to resolve the outstanding debt. Back at XXXX If the agency will call or respond me this will not be happening at this moment, not the calling and not the amount that they say I own.
I sent 3 letters requesting the bureau to investigate the inaccurate reporting of several items below : - XXXXXXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX XXXX   XXXX
I contacted AFNI in regards to this debt with XXXX XXXX XXXX that appeared on my credit report. At the time they state that this debt occurred I was only XXXX years old and have never had phone service with XXXX XXXX XXXX and someone must have used my information to establish service.
Midland Credit Management/Midland Credit Management over the last couple of months i have requested validation a couple of times for a debt that is listed on my credit report by this company. I have asked for evidence that bears my signature that shows a contractual obligation to pay Midland Credit Management or Midland Funding ( It uses more than one name ) depending on which credit bureau that you check with. I sent a certified letter to the one address listed on the credit report only to get it back with a forwarding address. This company has different names and address listed which is inaccurate reporting.
In XX/XX/XXXX or XX/XX/XXXX I contacted XXXX my cell phone provider about a second line that I was being charged for that was no longer activated and had not been activated. And had not been activated for over 2 years. The rep put me on hold and spoke to a supervisor and put a credit of 200+ on my account for fees paid for that line. A couple weeks later I got a notice of a balance of 280+ dollars. My account had one line at that point and the bill should not have been more than 70 dollars. I called XX/XX/XXXX and was told the credit was reversed. I got irate and threatened to call an attorney I explained it is not legal to give a credit that was approved th en decide to change your mind and demanded the credit be re applied. After a long hold the credit was reapplied and I was told to pay XXXX. My bill cycle started on XX/XX/XXXX I left XXXX due to thi s type of under handed nonsense on XX/XX/XXXX. So I should have been billed for 11 days of service. XX/XX/XXXX I spoke to 2 reps at XXXX XXXX in customer service named XXXX who was able to verify that he sees where the credit was issued but could not adjust it because the account was no longer active. Active or not XXXX is trying to bill me for 85 to 95 dollars that I don't owe them and I will not pay until it is corrected
I currently have a Chase checking account that has been overdrawn/non-sufficient funds since XXXX XXXX of this year. I have been going through a financial hardship since XXXX XXXX. I have been trying to come up with way to bring my account current but I continue to get late fees and overdraft fees added to my balance has been very hard to pay. My currently balance due is {$580.00} but {$480.00} is combined with monthly service fees and insufficient funds fees as well. I only recall my account being overdrawn by {$160.00}. I received a notice in the mail on XXXX XXXX. Stating I have an overdrawn {$500.00} which I was not even aware because prior to I did not receive any notices from Chase. Since then I have been charged two more fees of {$34.00} which brigs my total as stated earlier to {$580.00}.
On  XXXX   XXXX ,   XXXX   two days before y credit card was due on  XXXX   XXXX ,   XXXX   i made the payment for  XXXX  dollars i make monthly. But  Wells Fargo states payment was not received. As a result, account is being collected, late fee was imposed, and interest rate was increased. Customer was not notified of any problems. I received an email and a confirmation number stating the payment was made. I have previously used this account to make my payments to Wells Fargo. Previously i had never had any problem but it seems to be an attempt to scam customers. After calling Wells Fargo i was insulted by representatives. I was denied help, and communicated instead with Executive office at Wells Fargo.
I had made my third trial payment with Wells Fargo Home Mortgage and called several times to find out if they would come up with a plan they said they would instead right after the 3rd trial payment I was sent a letter that my mortgage was assigned to XXXX XXXX and when I called XXXX XXXX although I had a trial payment plan they had no clue what was going on said I should continue with my trial payment plan And when ending of XXXX came so I can make my fourth payment the customer service at XXXX XXXX said my information wasnt in the system. I called several times but no help and they hardly pick up the phone with a live representative this company XXXX XXXX. When I finally threatened the agent about speaking to my lawyer, he called back with in 5 mins and stated he could take my payment when just 15 minutes before another customer service said my information wasnt on the computer system. Then after this person who is taking care of my case took my check number stated he couldnt give me a confirmation number that he didnt have that which I thought was super strange. After that I decided to check the reviews on XXXX XXXX and saw that they had XXXX complaints and not one good review I guess Wells Fargo knew exactly how to give me and my home into more issues.
Name of the Bank : American Express Complaint Reason : No cash rewards ( {$250.00} ) as they advertised after applied for credit card and spent more than the amount of money ( {$1000.00} ) in the first 3 months Date : XXXX 2017 Actions taken by me and the company : 1. Called Amex agent. They filed a case and admitted this issue. They said this is a known issue and they would resolve this issue in 2 months. After that, the reward would go to your account.
2. Made another call in XX/XX/XXXX as their promised rewards were not fulfilled. This time Amex agent said it is a system issue that impacts all the accounts opened in XX/XX/XXXX. The agent can not resolve the issue and said there would be no a time frame when this issue could be resolved in near future. 
3. Made the third time call in XX/XX/XXXX. The Amex agent said this system issue is still not resolved and can not tell you when this issue could be resolved.
I have been trying for the modification to my home that was underwater in the beginning trees caused many damaging plumbing problems. Next was an electrical fire my son had XXXX XXXX XXXX XXXX and XXXX XXXX. 
nationstar. Who is now Mr Cooper has stolen my private information saying I did in fact get the modification and after sending them over XXXX in cashiers checks, they say it was all a scam. Only there employees that called me to confirm had all my private information. My attorney has tried to resolve this. But they will not litigate with me. After all they have done to a single woman with XXXX children suffering and more. .. The people need to know how they will be treated by this deceiving company. And leaving me hanging here for 6 years. And still no modification with the hundreds of programs available. But There is not one for me. 
Absolutely no help!!! 
I hope this will be going public, my attorney is ready for federal court. 
They lie lie lie. 
and have terribly rude customer service representatives.. 
XXXX XXXX of XXXX Utah
I have made Equifax aware of the fraudulent activity on my report in writing and verbally. I have also provided all required supporting documents for proof of Identity Theft. I have requested that ( XXXXXXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX ) be removed from my report but NOTHING. This is not fair at all. I am doing everything requested of me to rectify this.
I received a check to cover damage to my house from XXXX Insurance ... the check was made out to Me and note holder Nationstar. They refuse to endorse the check so I can receive the funds. I sent a letter, certified mail to their attorney in Texas ... they received it and they still have not endorsed the check.