WillisBack/dataset-financial-user-claim huggingface dataset:
CFPB Complaint XXXX : Wells Fargo Violations of CFPB XXXX XXXX XXXX Borrower : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, # XXXX, Washington, DC XXXX Loan No. : XXXX Complaint XXXX. On XXXX XXXX, XXXX, the XXXX provided supplement documentation in connection with his pending loan modification application via email. XXXX XXXX XXXX. As you will see from the supplemental submission, the XXXX provided pay stubs to support his income. 
XXXX. On XXXX XXXX, XXXX, Wells Fargo prepared a denial letter. XXXX XXXX XXXX. The denial letter erroneously calculated his monthly gross income as {$14000.00} when his monthly income is significantly less than that amount. The amount of {$14000.00} represents the gross income for his business and not his personal gross income. 
XXXX. On or about XXXX XXXX, XXXX, XXXX XXXX requested an appeal of the XXXX XXXX, XXXX decision stating that the amount of {$14000.00} represents the gross income for his business and not his personal gross income. XXXX XXXX made the request for Wells Fargo to re-calculate his loan modification application by utilizing his gross monthly income of {$4200.00}. XXXX XXXX XXXX. 
XXXX. When XXXX XXXX refused to re-calculate his loan modification by utilizing is gross monthly income of {$4200.00}, he then escalated his request to the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX investigated the matter and, as a result of the investigation, Wells Fargo still refused to property review his loan modification with the correct monthly income of {$4200.00}. XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX that Wells Fargo approve XXXX XXXX for a loan modification that would have been available to him in XXXX during the time period that his application was pending ; B. Impose appropriate statutory remedies that are available ; and C. Award attorneys fees to XXXX XXXX
I attempted to close my checking account back in 2016, around XX/XX/XXXX I contacted the bank through the online banking and was notified that I would need to contact my local branch. I contacted my local branch and was notified that I would either need to go in person or send a written letter requesting the close. I opted for the latter. I recently discovered that they either never received my letter or never processed the request. As a result, my account remained open. Moreover, my account has been moved to " dormant '' status and I have been assessed monthly fees, with more about to come. I again contacted the bank to close the account. This time, they notified me that since my account is in " dormant '' status, I would again need to visit in person or send a letter. As I have already attempted the latter, can not do the former, and with the clock ticking before the next monthly fine comes, I seem to be out of options.
Health insurance states hospital visit on XXXX XXXX, 2015 was not billed to the correct insurance company in the allotted time, therefore once claim was submitted, it was denied. The amount is {$1000.00}. I called the Health Insurance and was told to ask the collection agency to resubmit the bill. The collection agency said they already submitted it but was denied by Health Insurance because of the time claim was filed.
I am uploading additional information pertaining to a previous problem I had with information on my credit reports that were showing a bankruptcy. The upload letter is from the bank stating there was no bankruptcy and that Information is to be deleted. However I still have an issue with this credit union because I did not have 2 loans with them. All loans were combined previous loans were paid off in full. This letter states there are 2 separate loans that is completely incorrect. I only had one loan with them that is supposed to be deleted off my credit reports.
Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Product : Mortgage We write and enforce rules that keep banks and other financial companies operating fairly. 

I guess that statement is totally bogus.
I used my Macy 's card XX/XX/XXXX. I never received any electronic or paper statements to let me know I had a bill. The first time I was notified of any amount due was XX/XX/XXXX. When i realized I immediately paid the bill and called them, they did waive one of the late fees also. I did not realize what an effect this would have on called and I called them to complain and they did waive one of the late fees, I also asked them to remove the negative report on my credit but they refused to do so. I feel this is very unfair, they agreed that they had n't notified me of any payments due, because when I opted our of e pay back XX/XX/XXXX I had not told them how I wanted to be notified of a bill. I told them that they should n't not send anything and why did I need to opt in to receive a bill. Please help me resolve this.
My name is XXXX XXXX XXXX XXXX When I received a copy of my credit report back in XXXXXX 2016, I discovered that XXXX XXXX XXXX STUDENT ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts, and did not even seek a high education or attend college. So these accounts do not belong to me.
XXXX  am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX XXXX, XXXX XXXX XXXX
XXXX Disputed with Direct Management, failed to provide any proof and I had no knowledge of these debts.. 
XXXX Disputed with XXXX XXXX no info provided advised info was correct XXXX and XXXX have investigated and removed collections
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX is the collection agency attempting to collect on a " Re-Aged '' account. There has never been any activity on this account but the collection agency sought to make it appear falsely to have recently had activity to falsely make the debt appear to be current. they falsely claim the debt Opened, XX/XX/XXXX ( 6 mos ) when in fact the debt was originally with XXXX XXXX XXXX XX/XX/XXXX and was successfully resolved with them verifying the debt was not owed, and then removed form the credit report. XXXX purchased the file ( probably along with numerous others ) and sought the action without verifying the debt was owed. 
I contacted the collection agency and demanded verification of the debt, I contacted the collection agency and demanded the proof the purchased the debt, I demanded the collection agency remove the debt form negatively affecting my report. I filed these documents directly in writing over 3 mos ago and they have failed to respond timely as is required, and failed to act upon the duties held under Fair Credit collection act. 
I wrote to the collection agency the following : If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have Already done so ), also report that the debt is disputed. 
I also spoke with XXXX who indicates they reflect no such debt outstanding in their records, the resolve with XXXX was that they had continued billing after move out date and stop service notification. The Michigan Public service Commission also helped to resolve the claimed bill owed as I remember, XXXX XXXX The following is appearing on my report : ( XXXX ) XXXXLast reported : XX/XX/XXXX {$160.00} Needs Attention Account status- Open Type -- Responsibility - Individual Remarks : Account information disputed by consumer, meets FCRA requirements
I 've never lived outside the state of XXXX and the report reflects XXXX addresses in XXXX XXXX, XXXX. I have never lived at that address, nor have I ever lived in XXXX. I 'm not sure what documents I could provide that I HAVE NEVER lived in XXXX.
On XX/XX/XXXX I was contacted by ARA Inc out of XXXX XXXX IL, The representative advised me they were trying to collect a debt I owed from a Visa card opened in XX/XX/XXXX to XX/XX/XXXX. 
I advised the representative I have no old debt outstanding, I was then told it was on my credit report and they have sent me correspondence. I advised the representative again this is not on my credit report nor did I receive any correspondence from this company. She then began to raise her voice and threaten me by stating she was filing a lien with my current creditors as well as going to file a judgement against me and contact my employer. 

I have since submitted a cease and desist letter to this company as this debt is not mine and the statute of limitations on filing against me has past. 

I find this companies tactics disturbing to say the least.
I have been struggling with Navient and their repayment options for a while now. I have 4 separate loans but one in particular they just wont help me with now. The total is {$20000.00}, signature loan XXXX. 

In XXXX I had spent 2hours in the phone with them so they can fix it. They told me they did I have confirmation numbers that I will be paying {$150.00}. I called recently and was informed that, that loan was never eligible for a repayment plan and aside from the {$150.00} that I am already paying for the other loans I would have to pay {$300.00} for this one payment alone. 

I submitted my financial statement before it was due and I have stressed to them that I can not pay that. 

Yesterday XX/XX/XXXX i spoke to an agent XXXX who stated that they are not obligated to help me find other options, that again I was never eligible for a repayment plan and that he is sorry the truth is ridiculous. 

I asked to speak to his manager XXXX who wasnt as rude but not helpful either and he reiterated the same thing. So not only did they misinform me in XXXX but now they arent willing to correct their wrong and are trying to make me pay what I cant afford. 

I am not paying off a car or credit card .. this is a student loan that was taken out through XXXX XXXX at the time at the age of XXXX and I regret I ever did. 

This is not the first time I have an issue with them. In the past they have taken my payments and have not disbursed them as they were suppose to.
I was reviewing my credit report and discovered that XXXX XXXX had added a file that I owed them a past due balance. I contacted XXXX XXXX and inquired about the past due balance. They stated it was for an apartment I once lived in. I explained that I had moved from the apartment I shouldve owed a balance to XXXX XXXX. I nevertheless paid the past due amount to settle the account Immediately. 

I reviewed my credit file a few months later the same information was listed on my credit file by the name of Infinite XXXX/TSI collection. The debt showed paid, I didnt pay TSI, I paid XXXX XXXX and the agent at XXXX XXXX told me it would be taken care of.
I have attempted to retrieve my free annual credit report from all three credit bureaus, but the website is not allowing to access or even submit the information online to access my report. I need to be able to obtain my credit reports as soon as possible.
Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX data hack. Someone else was using my information. Identity theft.
I would like to dispute a claim that is on my credit report. The claim is from XXXX XXXX XXXX XXXX in XXXX XXXX, Arkansas. I did not know this claim existed until I enrolled in XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they informed me that their records only go back to XXXX and apparently they had no information on the claim. I was told to contact CSI collection agency for further information. 
I would like to know how a clinic can say that I owe them money but have no record of services rendered. 
I called CSI and was told that I owe {$290.00} to this clinic for services that I have no recollection of. My son was a patient there up until XXXX but he was fully insured at the time with XXXX as I was a young single mother at the time. 
CSI told me that the services were for me and not for my son??? which is very confusing to me, because I was never a Patient at XXXX XXXX XXXX XXXX.
XXXX, XXXX and Experian have a Bankruptcy listed in my/our Credit Files ... ... ....!!

I/WE DID NOT FILE BANKRUPTCY!! I have spoken at length to the Court House here in XXXX and they have NO record of said Bankruptcy. I have requested that it be removed and these Agencies, which I believe actually work with ID thieves, refuse to remove this erroneous information. They have had this in my/our credit files since XXXX, the same year someone filed a XXXX Federal Tax Return in my name only, and we have filed a JOINT Return since XXXX?!?! They have flat out refused to remove it. From XX/XX/XXXX-XX/XX/XXXX I was in XXXX dealing with a XXXX XXXX XXXX our daughter was having!!! Either these " Credit Reporting '' Agencies are above board or they're the reason why ID theft is on the rise. Perhaps they work with these thieves, then the fraudulent companies that profess to clean up your credit report ; I don't put anything past anyone. All I know is, I/WE did NOT file bankruptcy in XXXX, and the Court House has no proof that any Bankruptcy was filed, cause they WOULD have proof of payment because it COSTS money to file bankruptcy!! These " credit reporting '' Agencies seem to be nothing more than a portal into ones personal information, particularly of late with all their " breaches??? '' This FALSE item has cost us 10 's of thousands of dollars!!! This is the final attempt to do this without Litigation, because if we have to Sue, we will be coming for the BIG BUCKS!! Cause this XXXX has to stop!!
I have sent the company two certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to  XXXX   XXXX .   Both companies have yet to provide any validation bearing my signiture.     After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get credit.
I am a university student preparing for an internship in XXXX. I went to a branch office of Wells Fargo Bank in XXXX, Maryland and requested XXXX counter checks to cover the security deposit and rent on my summer sublet. What I was sold, at the time, were cashier checks, which I did not understand were not counter checks. I sent the counter checks to the lessor and they were apparently lost in the mail. Upon realizing this, I called the bank to stop payment on the checks but was told that I had to go into the bank branch office with the checks to issue the stop payment. I went to the bank the next day - XXXX XXXX, 2016 and was told that I had to pay {$120.00} for a surety bond for the XXXX checks and an additional {$62.00} for the stop payment. When I asked why I had to pay for a surety bond they just stated that it was the policy. I asked what the surety bond was for, and they indicated that it was for the re-issuance of the cashiers checks. I stated several times that I did not want the checks reissued, but they continued to state that I had to pay the surety bond fee because it was their policy. I asked several more times why a surety bond was needed when the checks were not being re-issued. The customer service person finally checked with a supervisor and reported that the {$120.00} fee was not necessary. If I had not asked the reason for the fee many times, I would have been charged {$120.00} for a service that was not necessary. They then went on to state that I still had to pay the {$62.00} fee to put a stop payment on the checks. This process took a total of 1.5 hours to resolve in the bank branch. After finally agreeing to pay the stop payment fee, I was told that I could not do it after all because the bank branch notary was not in the office that day. I was told that I would have to come back another day. My complaints are : 1 ) that I was sold XXXX cashier 's checks when I asked for counter checks which I learned would have been drawn on my account directly and which I could have cancelled over the phone ; 2 ) that Wells Fargo attempted to charge fees that were not appropriate for my situation ; 3 ) that the banks staff was not knowledgeable of the fee requirements, relied on simply stating that it was policy and only relented after several questions as to why the fee was necessary ; 4 ) that the bank, while open for business, did not have proper staff available to address my stop payment request ; 5 ) that by not providing the service as requested, added risk to me in the form of potential loss of funds ; and 6 ) that I was required to return on another day in order to complete the stop payment process.
Delta American Express called me saying that a card I had never activated had a questionable charge. They asked me if I wanted a replacement card. I said " Yes ''. They sent me another card which I did not activate. A month later I received a bill for a {$90.00} membership charge.

I called the number on the statement and complained that I had not activated the card. The person I spoke to put me on hold and I waited for another person who I explained my request to remove the charge and cancel my account. They then put me on hold and I waited for a third person who I explained my wish to have the {$90.00} fee removed and to cancel my account.

The third person said I had 30 days to cancel and that the deadline to cancel had passed and that if I did not pay the fee that a punishment interest rate would be applied to my account. I asked to speak to a supervisor and was told that all the supervisors were in a meeting until after XXXX. I was given a complaint number and was told someone would contact me, but noone has contacted me.
For the following two loans
  1-01 DL Consolidated - Unsubsidized, disbursement date XXXX
  1-02 DL Consolidated - Subsidized, disbursement date XXXX
Navient lists XXXX as the receiver. I did not go to XXXX in 2014.
Unfortunately, I have had several bad experiences with Wells Fargo. After allowing multiple opportunities to correct their mistakes I have decided to forewarn everyone to move cautiously when considering a business relationship with Wells Fargo and submit a formal complaint. As a small business owner customer service drives revenue for our company. 
My initial encounter with Wells Fargo was onXX/XX/XXXX, I opened the business checking account. Everything seemed to go well until I was unable to login to the account. After several attempts to login I changed the password. Little did I know, the account was linked to someone else account. Fortunately, it was my wife but I was never joint to her account so one can only conclude that the banker responsible for establishing a new account added me to her profile without her authorization. After bringing it to their attention the manager apologized and corrected the error and convinced me that the service is great and would like an opportunity to assist me by opening a business credit card ... I obliged. 
Hindsight is 20-20 because on XX/XX/XXXX following that experience our clients were making orders and mailing checks but Wells Fargo would place a hold of 10 days on the check prior to releasing the funds ( this hindered the day-to-day operations of running the firm ). Although it seemed to correct itself, I had a recent encounter with this " glitch '' again onXX/XX/XXXX. 
My final straw was onXX/XX/XXXX without notification, the same business credit card which managed all of the rolling transactions, its credit limit was reduced by nearly 70 % then charged an over-the-limit fee. This was clearly a mistake so I went into the branch which the banker expressed that she didn't know why and contacted the business credit card department. The account was closed all occurring within 1 billing cycle. The representative apologized for the mistake and said he sent an email to the supervisor for follow up to reopen the account. After a few months of silence, XX/XX/XXXX I called customer service which then explained that its been over 90 days since the closing of the account and there's no further action that can be taken. 
In conclusion, in order to avoid loss of time, energy and resources one should consider establishing a business relationship with a financial institution that will not put your privacy, credit and finances at risk. AVOID WELLS FARGO!!
I have filed several complaints with the CFPB regarding who owns my Mortgage and therefore who has the right to foreclose. Please see Case number : XXXX, Case number : XXXX, Case number : XXXX regarding my previous complaints on this matter. On XXXX/XXXX/2015 I received another letter from Nationstar Mortgage. The letter states that Nationstar may be moving forward with foreclosing on my property. The letter also states " The Foreclosure will be conducted in the name of : XXXX XXXX, XXXX XXXX, AS SUCCESSOR TRUSTEE TO XXXX, XXXX, AS TRUSTEE TO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX ( " Noteholder '' ). This seems like another contradiction to the information previously submitted to me by Nationstar.
The foreclosure that was placed on my credit report erroneously, by XXXX XXXX for a property that was not mine nor did I have a mortgage for it. foreclosure is on my credit report is false and needs to be removed.
I made a purchase online on XX/XX/2016 from XXXX in XXXX. My credit card was charged the day I made the purchase. I cancelled the order on XX/XX/2016, at that point no goods had been shipped to me. On XX/XX/2016 I disputed the charge with my credit card company Citibank. Citibank placed the money back in my account. Then on XX/XX/2016 Citi reversed the credit because they claim the merchant refuted the dispute. The merchants response that Citi forwarded to me is simply the merchants return policy, it has nothing to do with this specific case. I have contacted the merchant several times and they claim they did not refute this claim. They have attempted several times to refund the charge. I have talked to the Citibank dispute department multiple times and they say that it is up to the merchant to refund the money, there is nothing they can do. 
On XX/XX/2017 I filed a complaint regarding the merchant with the XXXX of XXXX concerning this claim ( ID XXXX ). The merchants response to the XXXX was " I have talked to this customer multiple times and explained that I am not able to refund this transaction because he filed a chargeback with the credit card company and the money has been taken from us already. This is something he needs to work with his credit card company on. I have talked to our processor and there is nothing we can do. It is out of our hands. '' Based on this it appears that Citibank withdrew the money from the vendor yet did not provide a refund to me. Citibank continues to tell me there is nothing they can do.
I purchased a new car from the FORD dealership. Since then the car has XXXX recalls and starting to have other malfunctions since then. The Ford dealership stated that they would order a clutch that is needed ; I have not heard anything from Ford. I fail behind on the payment for the last 2 months and they are threatening repossession.