WillisBack/dataset-financial-user-claim huggingface dataset:
This is in reference to Complaint number : XXXX-XXXX. Wells Fargo issued a response to the previous complaint, however, they did not actually do what they said they were going to do. 

In their response to my prior complaint, their letter says, " After reaching out to Branch Manager XXXX, our office was informed that she would be able to waive the stop payment fee. '' However, when I attempted to go to the bank and collect my money yesterday, I was told that the branch manager was unavailable and that they had no interim branch manager. Today I received a call stating that the stop payment fee would be waived and I would be charged a {$30.00} surety bond fee instead in order to reclaim my money. Otherwise, they said I had to wait until XX/XX/XXXX to reclaim by money without a fee. A fee by any other name is still a fee. I closed by account in XXXX and simply want the {$1500.00} that was left in the account back -- no more, no less. Unfortunately, Wells Fargo has made that impossible for me and insists on charging me excess fees for a check they allegedly issued that I never received. Furthermore, their response to my prior CFPB complaint was incredibly deceptive ; they simply replaced 1 fee with another.
TransUnion, XXXX and XXXX are all reporting Bankruptcies twice on all 3 of my Credit Reports. 

TransUnion is reporting 2 Bankruptcies dated :XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated :XX/XX/XXXX and XX/XX/XXXX. 

However, I have tried to dispute these inaccuracies with all 3 Credit Reporting Agencie : TransUnion, XXXX and XXXX. However, they have yet to MASK these items, from my Credit Reports. 

However, onXX/XX/XXXX after I disputed these inaccuracies with TransUnion, XXXX and XXXX. TransUnion and XXXX REMOVED the Bankruptcies, from my Credit Report, but then ADDED them right back on my Credit Report the SAME EXACT day! I have also attached proof of this with this complaint. 

I have also contacted the Federal State Bankruptcy Court that responded back to me via signed letter stating, That they do NOT REPORT any Bankruptcies to any of the 3 Credit Reporting agencies. I have attached this letter, from the Federal State Bankruptcy Court to this complaint.

I am requesting that ALL 3 Credit Reporting Agencies : TransUnion, XXXX and XXXX IMMEDIATELY REMOVE ALL of these Bankruptcies, from my Credit Reports. Because ALL 3 Credit Reporting Agencies are in violation, of the Fair Credit Reporting Act.
I have been working with XXXX XXXX XXXX since the end of XXXX to get an affordable payment. I have called at least a dozen times. I have filled out multiple applications and submitted pay stubs multiple times because every time I call I am given a different answer. I still do not have an affordable payment and it is now the end of XXXX with a payment due XX/XX/XXXX. When I asked for a report of all the times Ive called and responses Ive received I was told that is internal information. So there is zero accountability on their part for the fact that it has taken them two months and they have not helped me at all. There is zero accountability for their mistakes but I am expected to make my payment which I cant afford. Today I finally spoke with a woman that partially fixed the problem. But it is simply due to the fact that I was lucky enough to get her on the phone which makes me question what they were doing for the past two months when they told me they were submitting applications. I feel that they do not handle things properly which is worrisome considering the amount of debt that they manage. I am frustrated that they are my only option for repairing these loans. I simply want to be able to afford my payment and make said payment. Not use forebearance time as they have suggested did to me when they dont know what to do. I have never felt so powerless and I feel that it is criminal that they have no accountability and that they dont need to answer to me the customer when they dont do their job. I think that I am well within reason to ask for that breakdown of what they have been doing for the past two months when Ive called. Ive spent countless hours on the phone with them figuring this out. Ive done my job. I feel that they and the department of education are criminals for the way that they handle these things. I have never felt so powerless and I feel that it is criminal that they have no accountability and that they dont need to answer to anyone when they dont do their job. I think that I am well within reason to ask for that breakdown of what they have been doing for the past two months when Ive called. Ive spent countless hours on the phone with them figuring this out. Ive done my job. I feel that they and the department of education are criminals for the way that they handle these things Something must be done.
I was working with Ditech to get a loan modification over a year and a half. I would send and then resend papers to them only to have them day they didn't get them. I thought we were still working on a loan modification when I came home to a foreclosure notice on my door with a sale date listed. My husband and I had to file chapter XXXX bankruptcy in order to stop the sale and allow us to stay in the home during my husband 's declining health. He has now passed and I had the bankruptcy dismissed so I can pay off this loan and move forward with my life. 

My sister has been helping me through this as I don't have the strength to deal with it right now. She has been getting the same run around I endured when I was trying. They will not give us a payoff quote. They say they will send it but we don't get anything from them. Is it not my right to pay off this debt? Do I have to continue to be charged their " fees '' and other charges they continue to rack up on my account? If you go to XXXXXXXX you will see I am not the only one who has had Ditech run them around. It was sickening to me to read through these complaint and recognize the same tactics done to these people as were done to me. I wonder is there any way to stop Ditech before I lose my home as I read how many others lost theirs? They are even charging me for insurance on the property now. I have had an active insurance policy on the property which is paid through escrow with my first mortgage lender. It has never lapsed! I sent my declaration of insurance to Ditech but I'm sure they will say they never received it as they have with so many other document which I faxed to them ( repeatedly ).
I contacted creditor USAA Savings Bank because I want to pay off this account in the amount of {$3400.00}. They told me another agency brought the debt, but the requested it back. They said they can not accept payments until the collection agency that has the debt sends it back to them. I believe this is illegal to do, since the account was transferred to a collection agency and now USAA Savings Bank has requested it back. I am eager to solve this matter, but they can not give me information on to whom I must send the payment to. Please advise.
XXXX XXXX XXXX phone collection agency - Sunrise Credit Services. The collection agency has taken over the account and calls and threatens my XXXX XXXX XXXX mother with arrest, jail time, and threatening to sue her. She has XXXX XXXX XXXX and does n't remember much. I have power of attorney over her, and this bill went into collections recently, but I have begun paying on the bill prior to Sunrise Credit Services calling. Apparently they are n't getting as much money as they want or as fast as they like. However, threatening to take someone with XXXX XXXX XXXX to jail over a debt? It takes hours and hours to settle her down after XXXX of these phone calls.
I received a letter from XXXX XXXX XXXX For a creditor by the name of XXXX XXXX XXXX XXXX.XXXX XXXX. Creditors account number : XXXX. With a principal balance of XXXX with an interest balance of XXXX XXXX with a balance due of XXXX. This debt does not belong to me. I'm unaware as to whether or not my deceased ex-husband, XXXX XXXX XXXX, signed my name on any forms requesting this loan. However, in the event this loan were to be his or was to have been signed by him that should have been before our bankruptcy was filed in XXXX. In the event that this debt is owed by XXXX XXXX XXXX it should have been resolved with the bankruptcy. There were many loans XXXX XXXX XXXX took out in my name without my knowledge, which he was required to pay in the divorce settlement in XXXX. I have never received funds for this loan nor did I request this loan nor do I have knowledge of this loan.
I am filing a complaint since Transunion has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over 30 day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP.
On XX/XX/XXXX I received a consumer report from XXXX ( XXXX XXXX XXXX ) after funds being placed on hold being denied the ability to open a checking and savings account at a financial institution. On the report, Bank Of America erroneously reported an account as fraud due to fraudulent actions in my behalf. I immediately contacted Bank of America by calling the customer service number to get an explanation and to gain clarity as to how this account were notated. After being on the phone for over 1 hr and 30 minsI was able to speak with XXXX in Risk Mgmt how advised me that my concerns were valid and she did see an error on their behalf, so when I was transferred to the Risk Recovery Dept O spoke with XXXX XXXX who also seen the error and not only removed the account but also cleared out a balance of {$11.00} on a XXXX account where I was also charged in error. Bank of America failed to advise me that they were closing the account and also failed to provide me with reasons. After speaking with XXXX and XXXX XXXX was transferred back to customer service and I asked for a copy of the notice they claim they sent and was denied. They stated that although I had been transferred and seen the notes they were not able to verify me and therefore could not provide me with anything nor could they contact EWS to advise of their errors causing this error to remain on my consumer profile. This account was opened in XX/XX/XXXX and closed in XX/XX/XXXX with no transactions.
By phone, I closed my account with XXXX XXXX XXXX, Which is a prepaid card. I was told I would receive a check in the next 2 weeks.

This was XX/XX/XXXX. I still have not received my initial {$1000.00}. pre payment as of XX/XX/XXXX.
GREEN TREE SERVICING LLC OFFERED AND AGREED TO PAY CASH FOR KEYS RELOCATION ASSISTANCE OF {$3500.00} THAT WAS PRESENTED BY THEIR ATTORNEY LAW OFFICES OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX. GREEN TREE SERVICING LLC CHANGED LEGAL REPRESENTATION AND THEN REFUSED TO PAY THE CASH FOR KEYS OFFER THAT WAS AGREED AND ACCEPTED. GREEN TREE SERVICING LLC INSTRUCTED THEIR NEW ATTORNEY TO OBTAIN A FORCEABLE EVICTION WITH THE SHERIFF DEPARTMENT.
Since XX/XX/XXXX, I have been disputing incorrect information being reported on my credit report. After applying for a loan for a mortgage in XX/XX/XXXX, and being declined because of the negative things being reported. Incorrect name and spelling, addresses I've never been associated with, wrong year for birth-date, incorrect account open dates, things that been paid to the original creditor, but another company reporting that's its unpaid. I have sent in proof of everything I've been disputing with a letter each month and nothing has changed. I even had a notary present during the signing of my letters. These agencies do not respond with 30 days from my request see date attached response with date. I'm still being declined and unable to move forward with my life because XXXX, XXXX, Trans Union,  they have failed me with their investigations to correct the errors being reported. I have the original credit report pull from the mortgage company earlier in the year and the latest one from my credit union and they are still reporting the same incorrect information. As I move forward into XX/XX/XXXX I would like the these companies to finally report the correct information.
According to XXXX, I have a " Fair '' rating n credit inquiries due to XXXX requesting XXXX hard inquiries within a XXXXmonth period of time when I was shopping for the right product with them. They assured me any inquiries would not impact my credit score. When I called to ask why they requested XXXX hard inquiries on my credit report they offered no acceptable response nor any solution. My credit score was negatively impacted in part due to their redundant requests.
I purchased a camp stove at  XXXX  on  XXXX / XXXX / 2017 . It was n't working correctly so I returned it on  XXXX / XXXX / 2017 . I should have received my refund on  XXXX / XXXX / 2017 . It showed on my account as expected on  XXXX / XXXX / 2017  but then was immediately suspended under some type of internal review. ( see attached image ). I calle d AMEX Bluebird to inquire about the hold and was told it may take up to 7 days to release. This is due to an internal fraud protection that has to do with an issue between AMEX and the merchant and not the consumer. I expected access to my funds without delay. Their actions have caused me to be unable to purchase food.
This company has called daily requesting that I pay a bill for a checkloan with a Paydayone company that is out of business, they told me they were coming to pick me up to go to jail, told me I would be served a summons, called me a filthy Debtor and XXXX, I have requested that they stop calling me and they continue they change their numbers and call when I asked for an address to send payment they said they only accept a prepaid debit card for payment no cashiers check or money order so I still was unable to get an address from them. they have no information on their company over the internet and no address.
In XX/XX/XXXX I began monitoring my credit report. I noticed that I had a collections on my account in the amount of {$4100.00} for a XXXX account. The Collection company was Deversified Consultants. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX Florida XXXX. 

( XXXX ) XXXX. I disputed this information on my credit report asI had no knowledge of the account and did not purchase anything or have XXXX services. The dispute came back as valid in XXXX. I disputed this account for a second time. I called Diversified Consultants and they said that I would need to contact XXXX to clear the account. 

I then filed a complaint with the federal trade commission, and sent a notarized investigation request/ affidavit to XXXX. To this date XX/XX/XXXX I have had no correspondence from XXXX or Diversified consultants, and the negative account remains on my credit report as a collection in the amount of {$4100.00}. Please help.
While attending XXXX school at XXXX @ XXXX I was pressured by fellow students, professors and media to consolidate my loans. I consolidated my student loans with XXXX with the understanding my interest rate of less than 3.8 % would be locked in and garunteed not to climb. Upon receiving the first statement, I found XXXX already broke the contract. I paid my loan until all my savings was depleted and I was no longer able to pay. My earnings are not enough to provide beyond basic survival. My loans were sold to College Assist, XXXX XXXX, and XXXX. Through college Assist I was offered a rehabilitation program for {$5.00} per month for 12 months to remove my loans from default status. When looking over the agreement I discovered I will be charged over {$30000.00} for the service.. This sort of fee is crippling on top of an already insurmountable figure considering my place in a ruined economy. The loan is increased by around {$100.00} a WEEK. I am being extorted. I find no offering of IBR, deferment or forbearance offered. My requests went Un acknowledged by all contacted listed by the company. I 'm left with this rehabilitation program where I would be paying {$30000.00} plus approximately {$7.00} daily more as my only option of repayment.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXTRANSUNION RE : XXXX XXXX XXXXXXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 
1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CR 2 ) I AM IN A SETTLEMENT AGREEMENT AND HAVE BEEN MAKING MY PAYMENTS AND THEY ARE NOT REPORTING THIS FACT AS THEY ARE LAWFULLY REQUIRED TO DO PER THE NEW LAW STATED HERE FOR YOU " : Under the settlement, credit reporting agencies must require collection agencies that report data to " regularly reconcile '' information about accounts that haven't been paid in full. If they don't? The agreement says, " This regular reconciliation will be accomplished, in part, by periodic removal or suppression of all collection accounts that have not been updated by the Collection Furnisher within the last six months. '' In other words, if a consumer has been making payments but the collection agency fails to update the account for at least six months, the account will either have to be removed or " suppressed, '' which means it won't be shown to companies that order the report, and won't be used to calculate a credit score. '' I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

I respectfully request to be provided proof of this DISPUTE. item THE ITEM must be deleted from the report as soon as possible : CREDITOR AGENCY, acct. XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX
In XX/XX/2018 my girlfriend and I moved across the country from XXXX to XXXX, XXXX so she could pursue her career with a new company that offered her a significant promotion. After this move my finances were drained from all the expenses involved. I had to use my stipend from the federal student loans I had acquired from the previous semester to cover these costs. This stipend had been budgeted for the cost of my car loan. Having no other option I had to use that money to cover those costs. While in my new city it took until late XX/XX/XXXX to find a decent paying job. During this excruciating process I then fell way behind on my car payments that I had diligently stayed on top of for over two years. The car was repossessed and had been taken THREE HOURS away to XXXX, CA. ( to make matters worse ). After about 45 days I was able to save enough money to reclaim my vehicle. This wound up costing me {$2000.00} that I had to scramble to save. Since this time I have been on time with all payments ( 5 months ) and I believe my positive track record of paying on time for over two years prior to the repossession should speak for itself. These 3 late payments are weighing very heavily on my credit report and hinders me from getting more favorable loan agreements.
XX/XX/XXXX- As my son approaches high school graduation, we start the financial aid process by filling out the XXXX XXXX XXXX , which seemed like the right thing to do. As it turned out more information was required, so both my son and I met with a young lady at VSAC who helped us through this process. At this time, nothing was mentioned by her about my son applying for a federal loan. ( as it would be more appropriate for him and that the payments would be income based and that the allowable deferment would give him time to find employment. ) XX/XX/XXXX- A snag with the loan. I am on the phone with VSAC to find out what the problem is ( as it turns out the school needed to submit required information ). All during this conversation, the VSAC representative never mentioned about us applying for federal loans. 
XX/XX/XXXX- My son is seeking financial aid to take summer classes. He is told that the application was cancelled because this was the time that VSAC adjusts their rates. Per my son, it was never suggested to him that he seek out applying for federal loans. 
XX/XX/XXXX approx. ) XX/XX/XXXX- I as the co-signer to my sons loans called VSAC, spoke with a woman in the loan department. She told me that his balance at the time was XXXX and his monthly payments were XXXX. At this time, I asked her, but this is income based correct? No its not, you are thinking of a Federal Loan. You should always go with a federal loan first. This was the first time in two years that we have ever received any suggestion about applying for a federal loan. But still, even after that, there was no guidance on how to pursue this or direction to the appropriate person to assist us with this.
Well two years and XXXX later, I discovered from a random phone call that I made, that we should have applied for federal loans from the beginning and thats with working right alongside of XXXX  XXXX XXXX XXXX. How could you let this happen? While you are in his account, looking at his balance that is accruing XXXX a day in interest, did it not occur to you to look for and offer alternative suggestions for financing? 
As a single parent getting their child ready for college I relied on you and you neglected your role. I have lost all confidence in your organization and what I have been led to believe your mission is.
Seterus received my real estate taxes, check # XXXX dated XX/XX/2016 for {$1900.00}. The check cleared my bank account on XX/XX/XXXX. Seterus now claims this bill was never paid.