WillisBack/dataset-financial-user-claim huggingface dataset:
Found out that there was a debt collection for {$160.00} on my credit report. I was covered by XXXX at the time. I was never notified of the charge nor notified when it was transferred to a debt collection company. I only found out about this charge when I got XXXX XXXX. This charge was from 2010. I contacted SENEX Services and they have no record of it. I 'd like to pay the debt in full and request it be removed off of my Credit Score - or figure out why it was not covered by XXXX as it should have been originally ( XXXX informed me that I 'd need to contact the ER for billing, but the ER has no record of it either ) ... I just want this off of my credit report. It should n't be there as I was covered, I should have been notified, and I should be able to resolve this. If there is no record of this, why is it o my account?
There is a student loan account from NAVIENT SOLUTIONS that is reporting late payments from when I was enrolled in school full time and should have reflected deferred payment, NOT late payments. It's correct that I did settle the account for less then the high balance of {$8400.00} after negotiation with NAVIENT per my family hardship - but it is NOT correct that I was ever late ; as these payments would have been deferred since I was in college at the XXXX XXXX XXXX in XXXX XXXX Florida.
West lake financial returned my vehicle as agreed on XX/XX/XXXX. We were informed that the vehicle was in the same condition as when it was picked up 6 months ago. We have been working with XXXX XXXX. When the car was delivered it was NOT in running condition and the key was broken off in the ignition the car has no power and is not running. My mother has made several calls with no answer. One additional call was placed this morning to XXXX which is XXXX number at west lake that has now been disconnected. Since my loan falls under the SRCA it was rewritten following those guidelines. As you can see in the attached documents westlake states the car is in running condition.
Closed on home loan with Wells Fargo XXXX XXXX. Received notice from them late XXXX XXXX stating we owed XXXX in back escrow, and our payment was increasing XXXX/month if we can not pay the back tax and it posts before the XXXX XXXX payment. We asked about the calculation at closing ; the Wells representative was there, and said the payment amount was n't exact, but it was close, within {$100.00}. XXXX or so, so we signed the documents and closed, expecting a modest increase. 
Now we are forced to pay the above amount or have the loan amount increase considerably.
i was sent a letter from fair collecting outsorcing in an amount was outrageous I asked for an accounting of the amount owned to see how it could be that much. I was told to be patient to wait a few weeks that they would get it for me. I then contacted my lawyer who sent a letter to the credit reporting agancy to dispute the debt. The last inquire I sent to XXXX was that they did not have the accounting history available it has been over XXXX days since the inquiry with XXXX and XXXX by law XXXX days it is to be taken off my credit report.
non stop calling even after telling the company that a check was sent. Also, makes threats to my co-borrower who is now an elder and on a fixed income
My husband XXXX in XX/XX/XXXX. Wells Fargo Bank allowed my stepson to put a death hold and freeze on my husband and my joint checking account on XX/XX/XXXX after my husband XXXX. My stepson went to the bank using my husband 's outdated will stating that he was the executor of my husband 's will ( he was not, my husband changed his will and I was the executor ). For two months this account was frozen and it was only released by Wells Fargo when my attorney threatened Wells Fargo with legal action. My stepson had asked the judge of probate to freeze this account on XX/XX/XXXX and when the judge refused because the account was in survivorship to me the stepson went to the bank with the outdated will. Wells Fargo should never have allowed this to happen. I would like a written report of what happened that Wells Fargo allowed the stepson to interfere with this account when his name was not on the account. I believe that fraud was committed and I would like a written report of what happened. Wells Fargo has been uncooperative and will not answer questions. I believe that I deserve a report of what happened that an unauthorized person was allowed to freeze my account. XX/XX/XXXX and XX/XX/XXXXat Wells Fargo worked on this complaint. The case number is XXXX and the reference number is : XXXX.
After reviewing my credit report TransUnion had a Lien on my credit report that has been release. I have not file a formal dispute with TransUnion instead I wanted to file a case. So, I am uploading my information into the CFPB. This Lien should have been removed from my credit report once the release was recorded.
On XXXX/XXXX/2016, I deposited my payroll check from my employer into my Wells Fargo checking account on XX/XX/2016 written off of a XXXX XXXX XXXX Ledger. Before I deposited my payroll check, I called Wells Fargo customer support to confirm when the funds would be available. The phone banker at Wells Fargo assured me over and over that the funds would be made available the next business day on XX/XX/2016. After the conversation with the phone banker at Wells Fargo, I went to the bank and deposited my payroll check and received a receipt from the teller which confirmed that the funds would be available the next day. I had no choice but to deposit the check into my Wells Fargo account since XXXX XXXX XXXX was already closed. I woke up the next day and logged into my checking account online and my check for {$280.00} was NOT available. So I called Wells Fargo to find out why they placed an invalid Deposit Hold on my payroll check after promising me that the funds would be available. I spoke to several Wells Fargo managers over the past few days, and they refuse to release the funds and told me to Refer to the Maker of the check by calling my employer. I contacted the HR department at my job on XX/XX/2016 and they confirmed that my check # XXXX for {$280.00} was deposited into my Wells Fargo account and the check was cashed on XX/XX/2016. I then went back into the bank and spoke face to face with a Banker at Wells Fargo and asked the banker to please release my funds that has already been made available on XX/XX/2016 and long story short, the branch manager refuse, telling me that there is a first time deposit hold on the check and I need to refer to the maker to ask them to do a Stop and Re-Issue on the check. Well I called my job and they can not do a stop and reissue because Wells Fargo already cashed the my payroll check and has placed a hold on the check and is misleading me by telling me to refer to the maker of the check as if something is wrong with the check. I have received and cashed checks from my employer many times with XXXX XXXX XXXX and other check cashing places in the past and I am certain that there is nothing wrong with my check. I work paycheck to paycheck and my husband is unemployed plus I am XXXX. If Wells Fargo holds my Paycheck this week, I wo n't be able to put gas in my car to make it to work and I am In training and can not miss any Days from work or I will be terminated. I have tried to contact Wells Fargo to Release this Deposit Hold and they refuse. 

According to Wells Fargo Verbatim definition of what a " Deposit hold '' is proves that my check was cashed. Plus, My employer has mailed me proof that the check was cashed and placed into my Wells Fargo Account. 

According to Wells Fargo 's Definition of a " Deposit Hold '', Deposit Holds mean a check has already been CREDITED to your account, but the funds are not available for your immediate use. So why is Wells Fargo Holding it 's Consumer 's Funds for no reason? 

Please Contact me at XXXX Thank you
My freshman year, I needed to take out a private loan on top of my federal loans in order to afford college at XXXX University. This was in XX/XX/XXXX-XX/XX/XXXX and I borrowed around {$21000.00} from Wells Fargo. I have continued going to school on and off in the years since and I am XXXX classes away from graduating. I switched to the XXXX after completing two years at XXXX. Meanwhile, I 've had to work full-time for most of these years and I have also become a mother. My debt -- just from this XXXX loan -- is now around {$31000.00}. My total debt is {$100000.00} including all the federal loans and a XXXX private loan. I do n't know how I 'm ever going to repay this amount. This semester, I am taking more time off in order to work full time and start paying off the loan, particularly because Wells Fargo has been harassing my co-signer ( a former teacher/mentor ) and affecting her credit as well, but I also really want to finish my education.
US Bank owns a property in a Homeowners Association in XXXX XXXX XXXX. The foreclosure process has been completed, but the bank has failed to upkeep the home. US Bank secured the property in 2014, and it is the Association 's understanding that the property is now under the management of XXXX on behalf of the bank. After several attempts to contact the bank, the Association 's management agency was contacted by XXXX regarding property violations that were outstanding. The Association explained the process to rectify the violations, but it has now been over six months and the property 's appearance remains less the slightly. The Association has received several complaints from members of the community and owner 's are worried that the aesthetics are effecting the property values of the surrounding homes. Despite multiple letters to US Bank and attempts to contact XXXX, requests go unanswered and the property sits just as it did during the foreclosure process.
I have 2 loan servicing companies  XXXX  and   XXXX   XXXX   stating I owe loan. I contact   XXXX   and they insist that I owed them a {$4000.00} loan. I have never made any payment to  XXXX .   XXXX    states I have made 4 payments that I never have. I have reached out to University of   XXXX   XXXX   and there is only 1 loan. I have been making payment to   XXXX   XXXX   since 2013 only to find out they never sent any funds to the University of   XXXX   XXXX  .   XXXX   XXXX   has put a charge off on my account and refuses to address the funds they owe me. Both companies   XXXX   and   XXXX   XXXX   are sending promissory notes to credit bureau. I have sent police report, identity thief report and information from University and no one will communicate with the University of   XXXX   XXXX  .  XXXX  is now saying that my loans were in school status and that is why they have not collected, than I was told that the Loan was not sold to   XXXX   XXXX  .   XXXX   XXXX   say the loan has always been with them. The credit reporting company   XXXX   XXXX   is not doing their investigation and allowing these companies to destroy my credit. The loan that was sent to the University of   XXXX   XXXX   neither companies have presented that loan lnumber.
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.I have made a report with the FTC identify theft. Enclosed is a copy of the report. 
XXXX XXXX XXXX Originally came fro XXXX XXXX in the amount of {$1900.00}. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have filed a FTC identify theft report enclose in my complaint. 
I appreciate your prompt attention to this matter, and await your reply.
I returned to college in XXXX. I attended XXXX XXXX XXXX part time on an XXXX while also working full time. I was married and had XXXX daughters. In XXXX, I had completed all the XXXX college had to offer and transferred to the University XXXX XXXX. I received XXXX to attend the university that covered my tuition. Student loans covered XXXX school tuition, books and living expenses. 

I graduated, XXXX, with a XXXX in XXXX XXXX. I was offered a job at the XXXX where I had done my XXXX that would begin in late XXXX. Then, on XXXX XXXX, XXXX Hurricane XXXX struck, with the eye passing directly over my home in XXXX. In a weekend, our lives changed drastically. I moved XXXX to live with my mother and got a job with XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. During the first three years of working, my student loan payments became erratic in the XXXX months because I was not always able to find temporary employment. During this time, I used up all my deferment and forbearance periods I was entitled to. By XXXX, I was fully employed throughout the entire year and was paying all loans regularly. In XXXX all of my loans were consolidated and the principal amount was approximately {$28000.00}. 
In the last 10 years I have tried to apply for several loan forgiveness programs but have never been eligible because of the dates of my loans. XXXX programs forgive loan balances after five years XXXX. I worked in XXXX my entire career. During my 22 years working XXXX and indirectly affected thousands more through my work XXXX Another loan forgiveness program is for public service employees. It forgives loan balances after paying on time for XXXX consecutive months. I have paid on time for XXXX consecutive months. When I recently inquired about loan forgiveness I was told I am not eligible for forgiveness because of the dates of my loans. I have already paid {$50000.00} for the {$20000.00} I borrowed. I do not understand why there can not be the same forgiveness for my loans as there is for those who do meet the date requirements. Aside from the dates, I meet all other eligibility requirements. 
The interest rate on my loans is 8 %. It is continuous compound so interest accumulates every day on the unpaid balance. 
I feel like I have been a responsible borrower, paying regularly every month. With the current situation I will pay these loans off in XXXX and will have spent approximately {$85000.00} to pay the loans back. Can you help me?
An unverified item listed below appears on my credit report in violation of Federal Law. EXPERIAN is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. As required under Section 611 ( a ) ( 7 ). EXPERIAN was advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. On XX/XX/2018, a formal written request for investigation/notice of dispute was submitted to EXPERIAN. They failed to provide verification for the  following account : Account Name : XXXX XXXX XXXX Collection Account Account Balance : {$4000.00} A second written request was ignored. I received a standard response indicating that they will not provide verification or reinvestigate, though they continue to fail to provide any name, contact information, or details on the initial investigation they allege to have completed. This unverified account remains on my credit report despite contacting EXPERIAN and being unable to establish contact with the alleged CREDITOR.
XXXX XXXX keeps calling my retired parents house and is leaving messages about collecting a debt from me. I have not lived there since XX/XX/XXXX. This is a huge invasion of my privacy. They call five or more times per day, every day, in addition to calling my cell phone. I answered the phone call while I was visiting my family and said to NEVER call that number again and they will not stop. They threaten legal action. My elderly parents have been caused stress and it has caused family stress.
Experian are not fully investigating accounts. There were doctor bill that was put on my credit in which I had no knowledge of. According to the FACTA section 623 ( a ) ( 7 ) it requires all creditors to collectors to notify you by mail. This did not happen. I ask Experian to provide me with the person 's name they verified the dispute with, the address, the telephone number and the documentation used to verify the dispute. They told me to contact the creditor which I did but no response. I wanted to find out if I can not get an response who are they verifying this information is valid.
On or about XX/XX/2018 purchase made through this card, Best Buy Visa, with XXXX XXXX. One item was missing from package. Initiated dispute for {$140.00}. Best Buy Visa just advised they are siding with merchant despite merchant not providing any signed affidavit contradicting missing item. Instead some unverified, unsigned and unidentifiable information was provided by merchant. In violation of Fair Credit Act, merchant has done nothing to investigate and merely collected this information from merchant, summarily ruling in merchant 's favor. Best Buy Visa has breached its legal obligations to me.
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question.. XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Discharged Reference Number XXXX,
1. On XX/XX/2016 I received important Notice that I 'm two months behind on my mortgage payment. I was surprised because my loan is automatic deduction from my account from the bank. I went to US Bank to complained about this situation and I went then several times. They told me I was charged late fee because I was late in payment. 
2 I received another letter for Escrow Shortage Coupon for amount {$350.00} which I paid that amount so I paid same monthly of {$980.00}, but I received three different payment and end up {$980.00} which I 'm still not satisfied, the way she explained to their branch here in XXXX, Wa. So all of these that I complained from unpaid mortgage, late payment and escrow shortage coupon payment nothing happen
My mortgage has transferred lenders 3 times since it's inception. I accepted and understood the loan would carry PMI. I requested for the PMI to be removed and the lender agreed to research this for me. The lender determined the loan did qualify to have the PMI removed and did process the removal promptly. I then requested a reimbursement for having paid the PMI longer than necessary. The lender stated that the consumer was supposed to request PMI removal when the Homeowners Protection Act of 1998 states it is supposed to be initiated by the lender once the loan to value arrives at 78 %. My loan is at 75 % and has been below the requirement of 78 % for some time. I asked to be reimbursed and was told that is not an option because the lender claims it was my responsibility to call and request for the PMI to be removed. Also, I spoke with the PMI department several times and none of the representatives were able to confidently explain what the Homeowners Protection Act is.
I submitted a complaint about a collection agency called ADMIN Recovery LLC, about how they violated the FDCPA and their harrassment in trying to accuse me of owing a debt that is not mine. In response to the complaint, they were not truthful and stated incorrect responses. So my 2nd complaint report is to state that they lied about me not stating they have the wrong XXXX. On XX/XX/XXXX i received two calls and the first call i answered and they asked for XXXX XXXX and i stated you have the wrong number then the person stated no i dont and I repeated yes you do and I hung up. then the same person called again and i didnt answer. then this person called my father and sister, in which, only my father answered, and ADMIN stated to him that i breached a contract and he sent the letters to two addresses in which my father told him i never lived at those addresses and that you might have the wrong XXXX. Admin left a voicemail on my sisters phone. Then ADMIN called me again on XX/XX/XXXX, stating that i owed XXXX and that was in a breach of contract as of XX/XX/XXXX. And then like a week later is when I received a notice in the mail. So I called ADMIN, and i told them that i already told your company you have the wrong XXXX, I stated I never had a account with XXXX XXXX, I dont owe any credit cards and never had a credit card with that much money and I stated this is Fraud and you have me confused with another XXXX and I requested the phone number of the creditor. Then sent a letter to ADMIN for validation of the debt ... not cease and desist ... and i requested the validation just to prove to ADMIN that they have the wrong person. This complaint that im submitting is to prove that ADMIN is lying in their response to the previous complaint and to prove that they are harassing the wrong person, I called XXXX XXXX  and gave my social security number and there is no account with my personal information in their system. Therefore ADMIN Recovery are violating the FDCPA and giving false information to the CFPB.
I opted out of " debit card coverage '' from Chase when I opened my account. As of today, it is still listed as " off '' in my dashboard. This meant that I did not authorize Chase to overdraft my account for any reason. As listed in the description of the debit card coverage program, I should not be charged insufficient funds fees. This week, I was charged for XXXX insufficient funds fees. I tried to get the removed, providing them an explanation as to what happened with my card and asking for a little leniency since it 's around the holidays and money is tight for everyone. They said they would not remove them ( as this had happened once before in XX/XX/XXXX, and they removed the charges then ). I then remembered that my account was n't supposed to be overdrafted ever, and realized they were refusing to take fees off that they are n't supposed to charge me in the first place. I 've put in a request to have them removed again, reminding them that my debit card coverage is set to off, and have not heard back.