WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo, whom I contacted by phon e 4-5 times in the past 6 weeks, c laim an account with the name  XXXX   XXXX  had {$4400.00} deducted in  XXXX . The letter is dated  XXXX   XXXX ,  XXXX  to a  XXXX   XXXX  address ( I used to live in the building ), and I requested Wells Fargo to trace the transaction for me -- they did not to date. The letter contains reference No.  XXXX . Note : this is t he 3rd requ est to CFPB also, and the last response I could not open the indicated text!
LVNV Funding LLC is currently reporting a adverse account to the XXXX credit bureaus. At the time of their collection efforts this agency is in violation of Florida state licensing statutes. XXXX XXXX XXXX XXXX states " XXXX registration. 
( XXXX ) Any registration made under this part by any person or commercial collection agency based upon the presentation by such person or collection agency of false identification or information, or identification not current with respect to name, address, and business location, or any other fact material to such registration shall be void. '' The address this agency on my credit report does not match the information listed on this agency 's license. As such, their license is void, and they are illegally attempting to collect a debt.
I got a call from XXXX XXXX ( spelling? ) with Allied Interstate LLC. He called my work line. I have repeatedly explained to debt collectors that I am not the person they are looking for and they are not to contact me again. I also inform them that they are calling me at work. XXXX left a message and I called him back to again explain that they are harassing the wrong person. I got his voicemail and it contained a phone number to call the main office. I called that number and talked to another gentle man who told me that no one from his office called me at my work number. I assured him that I received the message and he could listen to it if he wanted. He asked for the number that was called and I gave it to him. He told me that that number had already been identified as incorrect and no one from his office would have called it. He did say that he would remove me from their call list. A few minutes later XXXX called me again and I told him the same thing. I was very clear that I am not the person they are looking for and they are NOT to contact me again.
XXXX   XXXX  used a hard inquiry on my credit report. I do not have a  XXXX  account.   However my name is associated with my mothers account and I changed from  XXXX  to  XXXX  and there is no reason for them to have run a hard inquiry on my credit.   In fact after cancelling the account she had no contract they still took money out of her account for the next month when the service had been discontinued. The service however is under her name and she pays for it. So again there should be no reason  XXXX   XXXX  filed a hard inquiry under my credit.
MY NAME IS XXXX XXXX XXXX I AM A VICTIM OF FRAUD IVE REACHED OUT TO THE CREDITORS AND INFORMED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY. 


LIST OF FRAUDULENT ACCOUNTS 1 ) XXXX XXXX XXXX 2 ) XXXX
I received a letter from XXXX XXXX XXXX ( XXXX ) datedXX/XX/XXXX stating that I owe a debt of {$11000.00} to a creditor with which I do not have any debt nor account. I immediately replied with a letter stating that XXXX was mistaken, the debt was not mine, and I requested validation. XXXX responded with a letter dated XX/XX/XXXX and a copy of a barely legible judgement from a court in state in which I have never lived and provided no evidence that the debt belonged to me. The amount due was also increased to {$11000.00}. A search on the Internet reveals that there are many people with forms of my name and approximate  age. This is a case of mistaken identity.
I would like you to please take a look at my case. In the past 5 years my mortgage has been sold to another company 10 times. Since XXXX XXXX   has taken over my mortgage every time I made a payment the total amount owed went up. They were charging me {$3200.00} for my property taxes. My taxes were only {$2400.00}. They were charging me {$2400.00} for my insurance, and my insurance was only {$1800.00}. I have been disputing with them since they took the note that there was an issue with how much I owed. They refused to try anything to get things resolved. The employee was very rude, called me and " XXXX '' and told me I did not know how to read my own taxes and insurance because banks do not make mistakes. I have never missed a payment, paid two extra payments in the last 15 months prior to our foreclosure. I was told I owed {$5000.00} in back payments but I provided documents for proof that those payments were paid. The employee told me that she would " show '' me and put me into foreclosure. I hired a attorney and they made a payment arrange for my so called missed payments. XX/XX/XXXX the bank started refusing payments, and started a foreclosure. We managed to stop the foreclosure. By them refusing my payments they skipped all the foreclosure paperwork and the courts and put my house up for sheriffs sale. My attorney stopped the sheriffs sale. Since then the bank has been to my house twice to get me to sign a loan modification. I denied them and told them to speak to my attorney. We have a court date on XX/XX/XXXX, but being that our attorney will be out of town that whole week, he is rescheduling. How is it right that I am overcharged, then refused to take my payments, put me and my wife through harassment and stress issues with fear of loosing our house when they do not even have a signed loan document from me. They are going back to XX/XX/XXXX trying to say that I owe the same amount now. I have every single document and payment papers to prove everything has been paid. My attorney has these documents and has proven it to them many times. They are stating that they are still paying taxes and insurance for the past two years even though I pay them on my own. I have all the documented proof that I pay my taxes and insurance on my own. I really need this resolved. Thank you very much for your time and consideration! Please contact me with any questions or clarification. Contact XXXX XXXX at XXXX XXXX  XXXX, XXXX. ( XXXX ) for any documents. Again thank you very much!
Chase gave my finance and I a " pre-approval '' for a mortgage back in XXXX 2016 ( they ran our credit on XXXX XXXX, 2016. They introduced us to our loan processor las week and they told us today that we were declined based on credit bureau information. Information that I had shown them was reported in error no less. Now we may lose our house and {$17000.00} down payment because they led us to believe that we were approved. It is just not right.
I am filing a complaint against Ocwen Loan Sevicing. LLC.I am in the process of filing a " Deed in Lieu '' on the property, XXXX XXXX XXXX XXXX XXXX, WA XXXX.Ocwen is stalling on this process. They do not have title to the property so they ca n't release the property as a short sale or a deed in lieu. Lien title holder is XXXX XXXX. XXXX is under fraud investigation.Ocwen sold the XXXX lien to XXXX XXXX. They are selling something they do n't own. Ocwen has defrauded me of all payments made. Ocwen is not entitled to receive payments as they are not on record.
Nationstar has failed to process my client 's loan modification application in a manner consistent with industry standards. They failed process my 3rd party authorization ; Nationstar sent notifications to borrower and did not to communicate with my office about any application deficiency. Emails and faxes were not responded to and phone were rotated through a series of prompts requesting either loan number or social security number in full SEVERAL times until the call was terminated.
Early XX/XX/XXXX i was taken to an emergency room in colorado via ambulance. 

At the time i was uninsured but was told i could be retroactively covered via colorados healthcare/XXXX. 

I applied and was accepted to the program within the time frame. It later went to collections and i was served with a summons to XXXX County Court in XXXX, Colorado by the collectors in XX/XX/XXXX. I filed a response and a motion for trial was set for XX/XX/XXXX. During that period i provided the plaintiff ( the collection agency and their representatives ) with a load letter officially stating i was covered for the costs incurred in XX/XX/XXXX. 

A motion for continuance was requested as they billed medicaid. On XX/XX/XXXX the case was dropped as the situation was resolved. 

In XX/XX/XXXX i checked my credit report via XXXX and noticed i had a collections appearing. This was part of the collection that was solved and should not have appeared. 

On XX/XX/XXXX at XXXX MST i submitted a dispute with the credit agency XXXX  including the letter saying my medicaid covered it, the official case dismissed paper signed by a judge, and the original summons complaint. 

On XX/XX/XXXX i was told the dispute was unsuccesful. 

" The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Because the collection agency still said i owed. I did not. 

Today, 1 year later from the end of the litigation the account still sits on my experian report. I called the agency and then they said " oh yeah it should be closed '' todays date is XX/XX/XXXX. 

I have been hurt severely due to this unjust appearance on my report. Seeing this false report lenders are rightfully skeptical of lending to me, and even if they do it is at astronomically high rates.
Key bank ( at XXXX from the XXXX ) continues to call daily, on multiple occasions, attempting to collect on a student loan despite multiple cease and desist notices have been issued ( XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX XX/XX/XXXX, at XXXX XXXX ) and has repeatedly called after deferment ( for continuing XXXX education ) has been filed through my federal loans servicer, XXXX XXXX. I believe this constitutes harassment on Key Banks part.
I was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with XXXX, Equifax, and XXXX credit reporting agencies for years. I have been aa victim of fraud as reported to all three agencies in the past, as far backas XX/XX/XXXX. As of XXXX agencies are still putting out misinformation. 
Please help me put a stop to what is being reported. XXXX XXXX
I used PayPal to make a transaction with someone I did not know. I sold them an XXXX for {$750.00} and used PayPal because everyone told me it would be secure and safe and PROTECTED. The other party told me to request the money from him and gave me his PayPal so I did that and the other party met me to pick up the XXXX. All was good. However later PayPal told me the party told his bank it was an unauthorized transaction and PayPal and the other party 's bank are siding with the the other party ( clearly a scammer ). This person is clearly doing this to multiple people and trying to scam us ( in my conversation he was asking if any of my friends were selling XXXX too, I didn't think anything of it at the time ) so now the other parties bank AND PayPal are protecting this scammer and leaving me responsible. PayPal has made my account negative XXXX by adding an additional inconvenience charge and stealing {$84.00} that a family member had transferred to my PayPal account. PayPal should not be leaving me held responsible for this scammer and they should not have taken back the {$84.00} sent to me from a family member. I have attached the PayPal screen shot and conversation notes with the scammer/ other party. Clearly PayPal is not a safe and secure site to make transactions and does not clearly state you need to take additional steps to protect yourself.
We purchased a home and took a job in what looked like an up and coming area of New Mexico in XXXX of XXXX. The job was at a XXXX XXXX, so it seemed pretty bulletproof. Not so, as we discovered when my husband was laid off after only two years on the job. We immediately put our home on the market as we knew we 'd be in trouble and 6 years later it was still on the market We struggled during that time to make the payments as we tried to sell the home and find another job in the area, a town of less than a thousand and 65 miles from a town of any consequence. We ran through all our savings and retirement money keeping up the payments, and my husband was able to find a job although it paid a third less then the job we had taken when we moved there. After my husband began to experience health problems which made him unable to continue working at the job he had found, we threw in the towel and ask the bank if we could do a deed-in-lieu of foreclosure. They agreed to it and said they would begin working on it. We were also made aware that a relocation allowance of {$3000.00} was available, which was a godsend as we had no money to move. We began the process and ceased making payments at that point. The bank dragged this out for literally years, and told us numerous times verbally ( because they NEVER put anything in writing ) that the relocation money was in process, that it had to go to a committee, that they would " be meeting Thursday, and the check will go out the next day ''. Our point of contact was repeatedly changed. When we were finally told we were denied in XXXX and my husband insisted that they give a reason, they said the investors had denied it. When further pressed, they said it was because we were n't occupying the property. We were out of state looking for work, but stayed with a friend of our son, and paid all utilities up to the month of the DIL and had a neighbor making sure everything was fine. Their assertion that we no longer resided in the home would be like saying that retirees who go to Arizona and live in a travel trailer for 6 months out of the year no longer reside in their homes. We literally were living in a travel trailer looking for work. During the last series of conversations with the bank in XXXX, they offered us one half of the relocation money, but later reneged and of course nothing had been put in writing except the denial which stated that we did not live there. Since the relocation money was a federal program one wonders what motivation investors would have to deny two now homeless people in their XXXX the means to move. We had to ask my elderly mother to loan us money.
I was not able to make last month 's payment to Discover Card, because I needed to pay my Bankruptcy Attorney. On XXXX XXXX I started to get the collection calls. My bankruptcy attorney advised me not to answer the calls until I could provide them with my case number. My phone number is confirmed in their system, as I have made many calls to them from this same number in the past. Per FDCPA, collection call attempts are limited to XXXX times per week on a verified number. On Thursday XXXX XXXX, I received XXXX call attempts.On Friday XXXX XXXX I received XXXX call attempts. On Saturday XXXX XXXX I received XXXX call attempts. This totaled XXXX call attempts for last week. On Monday the calls continued. On Monday, Tuesday, and Wednesday, I received XXXX call attempts per day - totaling XXXX attempts and the week was n't even over. Additionally, I received XXXX messages, and neither of them included a Mini-Miranda as required by FDCPA. The XXXX message was received on Monday XX/XX/XXXX XXXX. According to FDCPA, the collector must allow XXXX hours before re-attempting after leaving a message on a verified machine. My full name is provided on my answering machine, thus it was a verified machine. The XXXX message was received on Tuesday XX/XX/XXXX at XXXX. My Chapter XXXX bankruptcy case was officially filed on Wednesday, XX/XX/XXXX. I answered the XXXX attempt from Discover Card that day at XXXX, and advised the representative that my call was being recorded as well. She advised that Discover Card does not " give me permission '' to record the call. I ignored her. She then proceeded to discuss my account details without proper verification, and she did not recite the Mini-Miranda either. I stopped her and advised I had filed bankruptcy. She acted as though she did not believe me. I provided my attorney 's name, attorney 's number, chapter XXXX, and case number. She then continued to try to collect by stating that I 've had an excellent payment history in the past, and that I would have difficulty getting a discharge because my last purchases were as recent as XXXX. I advised her that she would need to speak with my attorney in regards to the matter. She persisted, and tried to convince me that I would have a difficult time filing. I again advised her to contact my attorney. The call was then terminated. Later that evening at XXXX on XX/XX/XXXX I received a collections email from Discover Card indicating my total balance, my past due amount, and the Mini-Miranda was finally provided. Regardless, I had provided my bankruptcy information XXXX hours prior to this.
I purchased a vehicle in XXXX. I pay online on the Nissan Finance website. I am being charged late fees if I do not make the payment 10 days before the due date. Example, my car payment is not due until XXXX/XXXX/2016 so I logged in today ( XXXX/XXXX/2016 ) to make the payment. I my payment increased for next month with the late fee already in place. It does not seem legal that if I am paying online and before my due date that I am charged a late fee.
When my loan was transferred Navient, I soon lost the ability to sign into my online account. I live and work overseas so paying online is the primary way I make payments and check my balances. 
They say there is a 'fraud ' alert on my account, but do not say why. The only way I can remove this 'fraud ' hold is to make 6 consecutive ontime monthly payments. If I miss one, the 6 month clock starts again. These might not seem like a huge hurdle, but when you live overseas and can only pay by calling them during business hours, it actually is onerous. Further, if I do n't persist in having the fee waved each month, Navient charges a phone payment fee. I think this is an unfair business practice that creates a situation where their poor customer service is likely to gain them revenue in the form of late fees, phone payment fees and the like.
I paid {$1000.00} on Suntrust personal credit card on XXXX/XXXX/2016 at the local branch. After I paid, the bank clerk gave me the confirmation numbers. Few days later, I received the confirmation letter on XXXX/XXXX/2016. However, I received the letter of rejected payment and charged me {$37.00} late fee. I called the credit card service and they said it was local bank 's fault. Therefore, I did visit local bank where I made my payment. Representative XXXX XXXX helped me to waive the fee through a conference call in her office. I received XX/XX/XXXX bank statement and they still have not cleared the fee. I called the credit card company once more they said they do n't have record so I have to revisit the local branch in order to remove the fee. I work XXXX to XXXX everyday. I ca n't visit twice due to my job schedule.
In XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, PNC " ADVISED '' me the only way to help was for me to let my mortgage go into FORECLOSURE process. This was because my house was worth WAY more than I owed. My financial hardship reasons did not concern PNC. I just had to show I could NOT pay my mortgage by not paying. This caused me to pay 2 years of attorney fees collected by PNC. A re-structuring amount charged by PNC, late fees, court fees and interest fees to LOST income by PNC. As of late they are charging me to pay electronically or by check PLUS additional fees due to the loan. I have amassed well over {$5000.00} in fees, and extra interest paid to PNC.
I went into Key bank on  XXXX  and  XXXX   XXXX  in  XXXX  ohio  XXXX   XXXX    XXXX   and asked  XXXX   XXXX  about personal loans and lines of credits. I told her I had a  XXXX   credit score  and she told me that did not matter, made me fill out an application then called and denied me for not having a  XXXX   credit score . This was deceptive becuase I would have never had a credit pull if she told me a  XXXX  was required. Now my score is even worse due to this.
Leased XXXX XXXX XXXX in XXXX XXXX from XXXX XXXX XXXX in XXXX, KY. Loan financed by Chrysler Capital. The motor vehicle tax ( MVT ) and registration fees were of course paid at that time - in XXXX.. In XXXX XXXX Chrysler Capital added the MVT and registration fees to our XXXX car payment. In XX/XX/XXXX we received a bill from the XXXX County clerk that the MVT & reg. fees were due - in XX/XX/XXXX. instead of XXXX. Apparently there is an entity, Santander bank, that pays these charges inXX/XX/XXXX. and then Chrysler Corp. bills us. We received this notice on XXXX XXXX and had to go to the Clerk 's office to pay these fees as Santander had not, and we faxed notice of payment to Santander on that dayXXXX. In speaking with Chrysler Capital, they told me that Santander had paid the fees after we did on XXXX/XXXX/XXXX and that before our acct. was unblemished Chrysler Capital had to receive a refund of their payment. Why they paid the fees after we had faxed them proof that they had been paid is unknown. Nevertheless, if we must continue to renew our registration in XXXX instead of XXXX we will have to pay these fees 4 times on a 3 yr. lease- XXXX XXXX - XXXX XXXX - XXXX XXXX and XXXX XXXX. The lease expires in XXXX XXXX. Two calls a week apart to Chrysler Capital yields apologies but that they are unable to resolve the situation until they receive their refund for XXXX which in my opinion is no fault of ours, as we paid the fees on time and faxed to them the proof of payment. There is no more that we could have done.
Recently I noticed my mortgage was not reporting to any of the 3 credit bureaus, after looking into it I found my mortgage was being reported as closed due to bankruptcy! 
After speaking with their customer service in XX/XX/XXXX I was told all they would need is my bankruptcy papers from XX/XX/XXXX stating that particular mortgage was exempt. On XX/XX/XXXX I scanned and sent copies of the bankruptcy paperwork showing my property was exempt as they asked. On XX/XX/XXXX I received an email stating that my home could not be exempt from bankruptcy! I called on XX/XX/XXXX to follow up, spoke with 3 different representatives in 3 different departments, customer service, closed loans and blue bankruptcy! No one has taken the time to follow the paper trail that would show this is an open, up to date mortgage that was never foreclosed or in bankruptcy. I did have another loan with the same mortgage company that did go to bankruptcy, I wonder if they are confusing one for another. They say no. I asked to speak with a supervisor on my call of XX/XX/XXXX and was told she was not in the building. Was once again told by yet another account rep that someone would get back to me. In the meantime I can not get the credit I deserve with the loan showing as a closed, and in bankruptcy account.
I wrote a letter to this company dated XXXX XXXX, XXXX. I have requested validation of account numbers XXXX and XXXX. The fact that this a collection account impacts my credit file. This is included in bankruptcy. This company removed account number XXXX and did not remove account XXXX. This violates FCRA and the bankruptcy law. They also violated FCRA and FDCPA by not sending me validation documents I requested.