WillisBack/dataset-financial-user-claim huggingface dataset:
MORTGAGE COMPANY : LoanDepot UNFOUNDED 30-DAY LATE REPORT FOR XXXX, XXXX, XXXX : This company reported erroneous 30-day late payment often this year ; running our FICO scores. 

POOR COMMUNICATION ( XXXX & XXXX, 2018 ) : Improper communication process on the problem in the clearing of the automated payment resulting in 30days late. Didn't inform the customer on the returned check in XXXX. When realized, the payment was already late. In XXXX, presented payment twice. Messed up the account. Resolution resulted in 30days late. 

DENIED OF PAYMENT WHEN THE COMPANY WAS ACTUALLY PAID LEADING TO 30DAYS LATE : This company was paid by XXXX on the XX/XX/18 but called on the XX/XX/18 that they were NOT paid. Customer made 2nd payment to prevent 30-days late. 

COMPANY STAFF INSENSITIVE TO CUSTOMERS ' CONCERN MAKING LIFE UNBEARABLE FOR CUSTOMERS.
After reviewing all of my student loans online I realized that I never opened a private student loan with XXXX XXXX. All of my student loans are federal and have been consolidated. I only have private student loans with another bank and my dad was the cosigner but never through XXXX XXXX. I arranged payments for this account but after reviewing everything this is not my account. I feel I do not owe this bank because I never took out a private loan from them only federal. No payments have been made by me because I dispute the account but the collection agency continues to charge my bank account. I am going to file a complaint with my bank if the payment does not stop. I got confused because I have so many student loans but with XXXX XXXX I researched that all of the loans I applied for should be federal never private and are all consolidated at this time.
I have been trying to get the credit reporting agencies to update my records but they always say the information is accurate regarding accounts handled by XXXX.
XXXX XXXX XXXX has taken an excessive amount of time to process a loan request for her client, which in turn is holding up XXXX closings contingent on closing this loan, which I am the seller. She has assured everyone involved that this loan is moving as fast as possible yet we seem to be getting no where. Every loan down the line is approved and waiting on XXXX XXXX to do her job in a timely manner. She has given XXXX possible loan closing dates with none going through. Now we are in the XXXX season and everyone expected to be moving into homes before XXXX which does not appear is going to happen. She does not return phone calls, text or messages. She sends one reply after hours so no one can contact her. Her client is upset, I am hot. Does this woman realize that she is affecting numerous loans and lives that are all contingent on her doing her job. We are losing locked in interest rates, past contract dates etc., and she says we should be able to get them extended because she extended her clients. It should not have to come to that and and it would n't if she would have been on the ball from the beginning. If she has to many responsibilities maybe she should be relieved of some so that the loan can be processed in an efficient manner.
This company has called repeatedly and I have on recording me asking them to stop calling, mail everything and put me on their do not call list. They still call. The last woman I spoke to said " you're going to keep receiving calls '' after I blatantly asked her to stop calling.
I had lost my job in XXXX XXXX. I was on unemployment until my claim ended in XXXX XXXX. I was behind 2 car payments due to lack of income. I borrowed money from a relative to make a payment in XXXX XXXX and XXXX. I started working as a XXXX XXXX the end of XXXX. I explained to Ally I only work 30 hours per week and make less money than my previous job. I tried to explain to them that I do n't get for holidays or missing work. I was scheduled for a XXXX XXXX in XXXX causing me to miss a day. The beginning of XXXX I offered to pay $ 100+ a week until I was caught up. I would receive additional hours in XXXX, allowing me to pay more. One representative I spoke to told me that was ok. Then a few days later I received a call from collections representative named XXXX. She was insisting I pay 2 payments this month or my account will go into further collections. I advised her to see all of my previous notes stating my reason for delinquency and I was not able to borrow money from any more friends or family. She found my plan of sending $ 100+ a  week unacceptable. I advised it was temporary until we started getting more hours the next month. I spoke to XXXX again just last week and she wanted me to have a payment in by XXXX and another in 2 weeks. I told her I can try, but I ca n't guarantee it because I do n't always get paid on the same day ever week. I also received a nasty letter saying if I am late again, they 'll exercise their rights without informing me. 

I feel Ally is being borderline harrassing with their calls to me and my father who 's listed on the loan for credit purposes. I believe I am trying to make a fair attempt in paying my car loan. Ally seems to think they are the only bill I have to pay. I have fallen behind in all of my accounts in order to keep my vehicle. I would like them to have a bit more compassion with my issue. I understand I need to pay my loan and I am trying to do so to the best of my ability. Please assist me further with this matter. Thank you for you time and consideration.
On XX/XX/2019, I discovered through the landlord of a property I was applying to rent that I had no credit score reported by XXXX. Upon discovering this, I checked the application XXXX XXXX and it too showed no score. Not a zero, just no score at all. I also noticed that TransUnion has reported no score. I am XXXX years old and have paid bills all my life, Ive had to pay collection agencies, utility bills, etc. I am now being denied homes I am applying to rent. I cant get a credit card, even a card for people with bad credit. I called XXXX   and was told by an automated message that there was a technical difficulty and the call was ended. When I called back, the line gave a busy signal. I am a hard working XXXX XXXX  with a wife and XXXX children, I pay my rent and my taxes on time and I donate to charity. To be unable to move forward in life because a credit reporting agency has no record of me is absolutely unacceptable. Please help me correct this problem. Thank you.
To Whom It May Concern : I am writing this letter to complain how Wells Fargo Loss Mitigation Department displayed unfair and deceptive practices by auctioning off our home that we have been at for 14 years on XXXX XXXX, XXXX. Without any notices, we then became a statistic as one of the millions of struggling homeowners in America who this has happened to also. Unfortunately, due to the economic downfall and lack of employment in XXXX, we found ourselves unable to pay our mortgage that just got too unaffordable to manage. 
Sadly, in the end, Wells Fargo loss mitigation representative that was assigned to our loan case would ignore all phone calls/emails and our request to be analyzed for a second loan modification loan that I know we were entitled to receive as struggling homeowners. 

We did not get a chance to fight back. We tried to get help in XXXX and no attorney would look at our case without upfront money first from us and we just did not have that extra cash. We are still in our home currently today but not as owners but as renters. The realtors who purchased our home at auction was nice enough to let us remain in our home. We today have had no choice to pay increased monthly rent just to stay within the same school district for my XXXX boys. 

I have all documents starting from our first loan modification loan with Wells Fargo and can show any attorney or whoever will help us to get back what is rightfully ours. 

Please do not hesitate to ask us any questions and we pray that you will consider us for this house that we love. 

Respectfully, XXXX XXXX XXXX
I have been disputing charges from a company called XXXX the own several companies that were part of an elaborate scheme to bilk millions of dollars from consumers in the United states. I disputed a charge made on XX/XX/2018 of {$5100.00} with the company " we sell good traffic '' they are owned by a company called XXXX ( XXXX XXXX XXXX XXXX ) I purchased affilliation with XXXX XXXX which is an online marketing company of digital products over the internet. This XXXX company has turned out to be a huge scam. I was sold a list of buyers that were supposed to generate sales for the business, however this $ XXXX charge was just another way this XXXX   company fraudulently charged me. The reason why is that this was an empty service that i got nothing in return for. It was just another way to get money from me after the XXXX comany had charged up over {$80000.00} on my credit cards. The comany never responed to my emails that this " we sell good traffic '' company which is part of XXXX did not provide what I paid for which was supposed to be 21 buyers and ongoing coaching from the company. It was just an empty scam and I disputed this charge and many others as fraadulent. capital one is the credit card company that looked into the dispute I filed with the " we sell good traffic '' they originally removed the charge from my statement but then the comany challenged it and then capital one put the charge back on. Now I want to tell you something very very important. 2 weeks ago I received an email from the The U.S. Federal trade commision telling me that the FTC has shut down this XXXX company and 8 other businesses they own and froze the assets of the principles in the company ... here is the official link for the FTC action against these criminal companies. https : //www.ftc.gov/XXXX An attorney at the FTC provided me this information but the charges against this XXXX cmpany and " we sell good traffic '' came out after capital one denied my dispute for the removal of the {$5100.00} The FTC has been investigating this XXXX company for more than 2 years. I spoke with an attorney at the FTC and he told me that I should make this new information known to the capital one dispute team. I did tell Capital one about the fact that the FTC has shut down this " we sell good traffic '' company. I should not be charged for this {$5100.00} because it was just part of a huge fraud that I got caught up in. I hope justice will be done and that capital one will remove the charge and clear it from my account.
Nationstar Mortgage LLC illegally foreclosed on my home XXXX XXXX, 2014. I do not have a mortgage agreement with them. They are a debt collector who claimed they were my mortgage company but I never had a signed agreement with this company.
In regards to account : XXXX XXXX Please be advised that your blatant disregard and violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer have caused harm to me by seriously affecting my credit rating, causing the denial of credit, as well as causing me to be charged higher interest rates and unfavorable loan terms. 
Your offices have only provided me with partial validation ; your offices have not yet provided sufficient evidence that this alleged debt is mine. Provide me with a complete account statement printout, signed contract, a contract giving XXXX XXXX XXXX power to collect, and original creditor 's address and telephone number. 
I 'm sure you are aware of the consequences in violating the FCRA and FDCPA as well as the multiple violations your company is now responsible for, but not limited to : As per the 809. Validation of debts [ 15 USC 1692g ] ( : ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
813. Civil liability [ 15 U.S.C. 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow.
Early Warning Services was  disputed on  XXXX / XXXX / XXXX  with  XXXX   XXXX   XXXX .   XXXX   XXXX   has been disputed on  XXXX / XXXX / XXXX .     My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When  XXXX  found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with  XXXX  and no luck. Attempted to resolve wit h Early Warning Services ,   XXXX   XXXX  , and no luck.      XXXX / XXXX / XXXX  Today I have found that I can not open any accounts and have found myself without banking for businesses.  XXXX   XXXX  and  XXXX . I am not able to write checks to employees or conduct business.     I am desperate to talk with someone to help the situation as we will be going to collect federal assistance if I can not cash the checks.     Please help.
Debt was found by checking credit score. No attempts at communication have been made between myself or any party related to me. Therefore I have been completely unaware of this debt, or what it is even for.
I HAD AN ACCOUNT WITH BANK OF AMERICA FOR A COUPLE OF MONTHS BACK IN XX/XX/XXXX. XXXX DAY MY WALLET WAS STOLEN/MISPLACED AND I HAD ALL MY INFORMATION IN IT, SOMEHOW DURING SOMEONE TOOK MY CARD AND DEPOSITED FRAUDULENT CHECK INTO MY ACCOUNT. AT THE TIME I DID N'T KNOW THAT MY WALLET WAS STOLEN. LATER ON THAT EVENING I FOUND THAT MY WALLET WAS MISSING, I CALLED THE BANK AND TOLD THEM TO CANCEL THE CARD. A FEW DAYS LATER I PUT IN A CLAIM FOR THE CHARGES THAT WAS PUT INTO MY ACCOUNT BECAUSE BOA TOLD ME THAT THE CHECKS CAME BACK AS FRAUD AND IT WILL BE APPLIED TO MY ACCOUNT. I FILED A CLAIM XXXX AND I WAS DENIED, BECAUSE I HAD MY PERSONAL INFORMATION IN MY WALLET AND I WAS NEGLIGENCE ABOUT MY PRIVATE INFORMATION. ABOUT A YEAR LATER ( XX/XX/XXXX ), I WANTED TO OPEN A BANK ACCOUNT WITH A SPECIFIC BANK, AND I GOT DENIED FOR IT BECAUSE " BANK OF AMERICA DING ME FOR SUSPICIOUS OF FRAUD ACTIVITY ''. I WAS TOTALLY CONFUSED ABOUT IT BECAUSE I WAS NEVER TOLD I HAD TO PAY ANYTHING, NOR DID ANYONE CALLED ME SINCE THE CLAIM WAS DENIED ABOUT PAYMENT PLANS TO PAY BACK FROM THE FRAUDULENT CHECKS. SO I WENT AROUND TO OTHER BANKS ABOUT ( XXXX ) IN MY AREA AND I WAS DENIED TOO FOR THE SAME REASON. I CONTACTED BANK OF AMERICA AND INFORMED THEM ABOUT THE ISSUE THAT I HAD WITH OTHER BANKS, THEY TOLD ME TO GET A CONSUMER REPORT, AND SEE WHATS ON THERE PERTAINING MY INQUIRY. I REQUESTED THE INQUIRY FROM CHEXSYSTEMS AND I SAW THE CLAIM BY BANK OF AMERICA " SUSPICIOUS FRAUD ACTIVITY '', I CALLED BACK BANK OF AMERICA AND TOLD THEM I RECEIVED IT AND I WANT TO KNOW WHAT I CAN DO TO RESOLVE THE ISSUE AND GET OFF XXXX, THEY TOLD ME TO PUT IN A REQUEST TO BANK OF AMERICA 'S RISK DEPARTMENT AND MAIL IT TO THEIR ADDRESS IN XXXX, FL. I DID IT AND A COUPLE OF WEEKS LATER THEY SENT ME A LETTER SAYING THAT THEY WILL NOT REMOVE ME FROM CHEXSYSTEMS BECAUSE IT SUPPOSED TO PROTECT THE BANK BECAUSE ITS A SERIOUS MATTER. I CALLED THEM TODAY AGAIN, SPOKE WITH THE RECOVERY DEPARTMENT, ASK THEM WHAT CAN I DO TO GET BACK ON TRACK BECAUSE I 'M ONLY XXXX AND I REALLY NEED A BANK ACCOUNT/SAVINGS ACCOUNT FOR MY JOB BECAUSE ITS TOWARDS MY FUTURE AND THIS ISSUE ON XXXX IS RUINING MY LIFE. THEY TOLD ME THAT I DO N'T OWE THEM ANY MONEY, I 'M JUST FLAGGED BY THE BANK AND I CANT OPEN AN ACCOUNT WITH THEM, I ASKED WHY THEY CANT REMOVE IT SINCE I DONT NEED TO PAY ANYTHING TOWARDS THEM, THEY JUST GAVE ME THE RUN AROUND AND TOLD ME TO SPEAK WITH THE RISK DEPARTMENT. THE RISK DEPARTMENT SAID THERE IS NOTHING I CAN DO BECAUSE ITS ALREADY ON THE REPORT AND IT WILL BE ON THERE FOR 5-7 YEARS AND THERE IS NOTHING I CAN DO ABOUT IT. I TOLD THEM I WILL GET AN ATTORNEY AND THE REPRESENTATIVE BASICALLY RUSHED ME OFF THE PHONE SAYING " IS THERE ANYTHING ELSE I CAN HELP YOU WITH '' BEFORE I EVEN FINISHED TRYING TO ASK WHAT CAN I DO TO RESOLVE THIS ISSUE. I 'M TO MY BREAKING POINT FROM THIS AND I REALLY NEED SOME HELP BECAUSE THIS IS MESSING UP MY LIFE. I HAVE A CREDIT CARD AND ITS HARD TO PAY MY MONTHLY BILL BECAUSE I DONT HAVE A BANK ACCOUNT, I LIVE OFF PREPAID CARDS AND THEY DONT HELP ME SAVE AND THEIR FEES ARE RIDICULOUS. PLEASE HELP!!!
PNC Bank mislead me as a customer. I opened an account for {$25.00} online and I was under the impression, from what I read. that I would enrolling into the virtual wallet. Instead my {$25.00} deposit turned into - {$25.00}. I was not informed until after my credit was affected. I am very unhappy with their services. I called several times and was informed they would remove the fee and close the account. Weeks passed no call back, no closed account. Just very bad and misleading service.
I received a loan from Send Loan for {$600.00} and was unfer the impression that I would only be paying back that amount plus some interest. I see now that they plan to debit my account every 2 weeks for {$190.00} until XXXX of 2016 which makes me paying back over {$4000.00}. There is no break down on the repayment schedule as to what is interest and what is the primary amount. Plus I can not get them to provide me with anything that would give me that information. I would have never taken out a loan that would require this type of repayment. Plus now I see that it is illegal to lend anything over {$500.00} in the state of Colorado. Please let me know what steps I can take to resolve this problem. 
Thank You
I applied for a secured credit card with US Bank simply to improve my credit and never activated the card. On XXXX XXXX, 2017 I received XXXX pieces of correspondence from them whicm compelled me to contact them by phone immediately. Ultimately I had a conversation with a man who identified himself as XXXX, a supervisor in the collections department. I asked him why I was being charged any fees when I had not activated my account. I explained to him that I spoke to a rep inside a US Bank and a rep at the CFPB who informed me that it was illegal for them to charge me any fees since I had n't activated the card. He indicated that the call was being recorded and confirmed that I should n't have been charged any fees due to the fact that my credit card had not been activated. He said that he credited a total of {$89.00} which was all of the fees that I had been charged to date including the {$29.00} annual membership fee. I asked him if my credit has been affected and he said that he didnt know. I asked him for the phone number for the corporate headquarters and he provided me with a customer service phone number. I was eventually transferred to the Excutive Advocacy Team and spoke to a rep who identified himself as XXXX ( employee ID # XXXX ). He informed me that US Bank had in fact reported one 30 day late payment to the credit bureaus. He went on to say that the previous rep XXXX XXXX XXXX had not credited all of the fees and that he would do so right then in the amount of {$4.00} which was the amount of interest charges that was missed by the previous rep.
TransUnion has the following information on my credit report and it is not correct : States I am know as XXXX  have never spelled my name this way Shows an address of XXXX XXXX XXXX XXXX TX XXXX have never lived in TX Shows a collection account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

Shows an inquiry from XXXX. I did not authorize this.
XXXX is a utility company that I applied for over 7 years ago. I always thought I never had this utility company 's services until it showed up on my credit report. As far as I knew they didn't approve my application because I needed to put a big deposit down to start the service.
TODAYS DATE:XX/XX/XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX, Texas XXXX XXXX, XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX CUR WAS 60 XP/XXXX Late Dates : LAST LATE DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XXXX Late Dates : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX XX/XX/XXXX-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XP/XXXX/XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, FL XXXX
On Friday, XXXX XXXX, XXXX the reporting company Equifax announced that they had been subject to a large-scale data breach that compromised the personal information of many customers including, but not limited to, names, email addresses, social security numbers, and driver 's license numbers. I was one of the customers who was affected by this breach as shown in this image : XXXX XXXX XXXX As a result of this improper handling of my credit report, a large amount of my sensitive personal information is now available to the general public. Those with nefarious intent can obtain this information and use it to commit a variety of crimes which will directly impact my quality of life, including but not limited to identity theft and credit fraud.
There are several discrepancies with my personal information. The following does not apply to me : I am not associated with these names : XXXX XXXX XXXX XXXX XXXX I have not lived at these addresses : XXXX XXXX XXXX