WillisBack/dataset-financial-user-claim huggingface dataset:
I am working w/a HUD Approved Counseling Agency to get a modification on my mortgage w/Wells Fargo. The following has transpired : 1. HUD Agency submitted all required documents to Wells Fargo, via faxed on XXXX/XXXX/15 - we have a fax confirmation showing delivery. 
2. On XXXX/XXXX/15 I received a letter from Wells Fargo with a copy of the " Third Party Authorization & Agreement to Release '' that was provided to them by the HUD Agency stating, " we are unable to identify/process the attached request due to the reason ( XXXX ) indicated below : Please provide the last XXXX digits of the borrower 's SSN or tax ID. 
XXXX. On XXXX/XXXX/15 I hand wrote the info onto Wells Fargo 's letter & faxed it them, as requested. We have a fax confirmation showing delivery. 
XXXX. As if XXXX I NEVER received a letter from Wells Fargo acknowledging receipt of my modification request and/or if I was approved or denied for same, as required by law. 
XXXX. On XXXX/XXXX/15 the HUD Agency called Wells Fargo - XXXX XXXX, & was told they DID receive the docs on XXXX/XXXX/15, BUT it was denied because they " thought '' the documents were in response to an appeal - I NEVER FILED AN APPEAL as I NEVER accepted the offer made because I was working with the HUD Agency XXXX Wells Fargo was aware of this because I called them and told them. XXXX XXXX assured HUD Agency the file would be passed on to the " reentry department '' for consideration. XXXX XXXX told HUD Agency Wells Fargo would contact me directly. 
XXXX. On XXXX/XXXX/15 HUD Agency refaxes same documents but included updated paystubs & bank records just to be safe. We have a fax confirmation showing delivery. 
XXXX. On XXXX/XXXX/15 I received a call from XXXX in the " reentry division '' @ Wells Fargo stating she needed more information from me. When I called back, I spoke with XXXX ( I was told she did not know who XXXX was XXXX & XXXX said that " my request for a modification was denied because I failed to make the trial payments. '' I told her I NEVER agreed to make any trial payments because I was working with the HUD Agency. XXXX said she knew NOTHING about a HUD Agency & that Wells Fargo did NOT have any paperwork from a HUD Agency. She also said that it did not matter because " I could not now be considered for a modification because I failed to make the trial payments & that they will begin foreclosure on my home. '' I asked XXXX to put me through to someone in the reentry department and she had no clue what I was talking about. I told her about the message that XXXX left me stating that Wells Fargo needed " more information '' but she said she could not help me - my modification request was DENIED. 
8. As of XXXX/XXXX/15, I STILL have never received a letter from Wells Fargo acknowledging that the HUD Agency is involved or that they accepted or denied my modification requested based on the HUD Agency 's involvement. 
9. Wells Fargo has violated the law relative to the HUD Agency 's involvement & for refusing to consider my request for a modification and/or by not notifying me, in writing, of same.
I have ONLY gone by either XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX, my entire life of XXXX yrs. Not XXXX or XXXX XXXX.
I have disputed this issue with all credit reporting companies, XXXX, Equifax and XXXX. XXXX and XXXX have removed it from my credit report and I would like this issue resolved. Name of the company is XXXX XXXX XXXX and balance is {$210.00}. It is really affecting my credit score and have sent them several letters including notarized letters as well and have not received any responses.
Iv'e been my home for 20 years I love my home I was a XXXX XXXX for 19 years I lost income in XX/XX/XXXX called wells fargo ask for a forbarce progam they told me I did not have enough income so I got a part time job got back with wells fargo said it was not enough went back and fordward to court luckly got full time job at XXXX XXXX yes I can pay on time and back now I have a shireff sale XX/XX/XXXX cause wells fargo say I make to much and I can pay the XXXX I owe in full I have bills and a son that is in XXXX  who I have to help but with the job and and my retirement and can make payments but don't have XXXX in full so can you please help me my loan number is XXXX well fargo
I noticed this account from XXXX on my Credit Report back in XX/XX/XXXX. No clue who they are. I have disputed this account for the last 4 years and 5 months. Recently they sold it to XXXX XXXX who now has a collection agency handling it but not on my credit reports yet. I have disputed this account about 10 times and each time they say it is mine. Finally in XX/XX/XXXX I got a copy of their loan agreement. It has no social security number listed, no birth date and the signature is some docusign and says XXXX XXXX. Not even my name as I always use my full name with middle initial. XXXX XXXX is doing nothing to investigate this properly as I have attached the documents to prove to you. Which I have also sent to XXXX XXXX and all 3 credit bureaus but seemed to get me no where. Also now my credit reports says XXXX XXXX reports I made a payment on XX/XX/XXXX on 1 credit report and XX/XX/XXXX on another report but on one report said I never made a payment. This is destroying my credit and nobody is helping. I want proof this is mine and can't get it. I want to see my social security number that was used, birth date and proof these payments were made when they say, Also noted XXXX I never got a letter or a phone call from, all of a sudden they sell this account to XXXX XXXX and now they are calling. Please Help me resolve this.
I recently discovered that XXXX XXXXPayliance is  reporting a debt of {$200.00} on my credit reports after applying for a mortgage and was denied. I have never done business with this merchant and do not owe the amount they are claiming I owe. Upon contacting XXXX XXXX the advised me that it was a result of a returned check. When they verified the bank it was check written on an old account I had closed due to misplaced checkbooks. I have tried multiple times via credit bureau disputes and through assistance of credit repair company but XXXX XXXX keeps stating that they have verified this debt belongs to me without providing any identifying information such as my social security number, DOB, or  legal binding contract. I even offered to pay the balance if the agree to delete the negative in accurate reporting and the refused ( even though the debt does not belong to me )
Please be advised that Wells Fargo has refused to turn over any " Debt Validation '' Documents. One of their executives claims " the request is too broad ''. Semms simple enough to me. It 's a standard debt validation asking what or how much do I owe and why I owe said amount. Keep in mind, this is a Wells Fargo area of expertise producing phony " TADA '' or ROBO-SIGNED documents that do not and have not ever existed.
TransUnion XXXX and XXXX  are reporting 2 hard inquires which I need validation for or please remove : Inquiry : XXXX Date : XX/XX/XXXX Inquiry : XXXX Lease Only Date : XX/XX/XXXX
I received a copy of my credit reports and noticed only on Equifax XXXX accounts that did not belong to me XXXX # XXXX AND XXXX # XXXX. I initated a dispute and 30 days later Equifax claimed they verified the information was correct. This is impossible since I called both companies and neither has record of me on file and wont release any other imformtion at my request. Please remove these accounts that do not belong to me ...
On XXXX XXXX, 2015, I applied for a BBVA XXXX XXXX on XXXX XXXX, 2015, I was contacted by the BBVA underwriting department letting me know that I was approved and they told me my credit line was {$20000.00}. A few days later I called to do a balance transfer and they told me that my account was closed due to security concerns but would not address the reason why. Up until this present time I have not received an explanation as to why my account was closed. I have attached a copy of the email as proof of BBVA opening my account.
Roughly XXXX years ago I held accounts with Bank of America. After having recurring issues with the account, the account was closed and eventually charged off. I paid BOA all monies owed XXXX {$170.00} XXXX, and have obtained receipt of payment. I recently went to open a bank account at another institution, and everywhere I go I am told that I am unable to open a new account of any kind due to a BANK OF AMERICA account that was satisfied. When I went to BOA to enquire about this, they said informed me that it was nothing they could do, and that this matter is in the hands of XXXX. After contacting XXXX, I was told that BOA reported me for suspected fraud. I later learned that XXXX is an entity jointly owned by BOA and other major banks. I have never been fraudulent in my dealings with my accounts, and was never notified of such suspicion or allegation from Bank of America. It is my understanding that bank records remain on XXXX for up to XXXX years ; however, with this XXXX situation it appears I can be restricted from opening bank accounts for another XXXX YEARS?! After repeated conversations with Bank of America, as well as having PAID IN FULL the debt owed, it appears I am being blacklisted from banking elsewhere, even though I OWE NOTHING to them. I AM BEYOND FRUSTRATION!!!
Security credit services is reporting to all XXXX credit bureaus XXXX erroneous accounts that have not been verified
I had attempted to obtain old account statements online from Citizens Bank, and a day or so later submitting the request I received a secure message through the online portal with a list of associated fees. When attempting to respond to the message, I received an error message that my response had not been submitted, so I called customer service. Customer service informed me they could only put a new request in on my behalf, and in roughly 48 hours I would receive a phone call with fees that I was required to agree to in order for the order to be processed. Over the course of the next week I had yet to receive a call regarding fees, and I had forgotten about the request until XXXX separate packages arrived with sets of statements, XXXX for the online request and XXXX for the in person request. I immediately checked my accounts and found I had been charged {$90.00} in XXXX account and {$40.00} in a second. I called customer service yet again to resolve and I was told it would be two business days until they could review the recorded call ( this call happened on a Saturday and I was assured I would be called the following Tuesday by an employee named XXXX XXXX in Pennsylvania ). The following Friday I called because I had yet to hear back and was immediately put through to a manager who contacted XXXX directly ( which appeared to acknowledge the issue that this was well outside the norm of acceptable ). XXXX called me later Friday and told me it would be another two business days before he could review the call and offered no resolution. Last night ( the XXXX Tuesday in which a call was promised ) I finally received a call back from XXXX. He told me he had reviewed the call and felt I was aware of the fees. I directly asked him if he listened to how the call ended, where I was required to receive a call back with fee information, and he said the best they could do was take half off the expense ( which rectified the duplicate charge and nothing else ). At the end of the call XXXX refused to escalate the issue and would not give me a contact if I had further questions. As of now XXXX has only credited half of the {$90.00} charge and has not credited the other portion of {$40.00} I was promised.
I borrowed {$750.00}. in XXXX XXXX. Repayment amount was not disclosed. Money placed in checking account 3 days later. First month repayment, XXXX XXXX, XXXX, {$240.00}, remaining balance over {$1000.00}. Next installment {$240.00}. With remaining balance over {$1000.00}. Payments increase as does amounts owed. Decline in principal is offset by increase in fees or " interest. '' No montly payment listed for loan amount when signed up. Never ending cycle. No customer service available.
All transactions occurred XXXX XXXX XXXX. Accounts were opened with Comenity Bank at XXXX, Victoria 's Secret, XXXX and XXXX. Amounts were XXXX XXXX, Victoria 's Secret XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
I am, a victim of predatory lending. I purchased home XX/XX/XXXX with adown payment of approx. {$30000.00} The original lender was XXXX. A high 2 year fixed interest rate and was told that I couldrefinance after 2 years, loan was sold and when I tried to refinance, I refinance I was was was denied, I was told they paid too much for loan. Home went intoforeclose and was saved XX/XX/XXXX. A audit company call me to investigate loan for aasking, fee of {$1500.00}. They suspect loan fraud. Please investigate
This complaint is about BOTH communication tactics and attempting to collect a debt that I do not owe. 

Portfolio Recovery - " In order to resolve your complaint, we will need additional information to locate and investigate the issue. Specifically, we need to know the account number or telephone number at which you received our calls. " Case number : XXXX RESPONSE : My name is XXXX XXXX XXXX and that is all the information I 'm willing to give to a company that I have never heard of and that is reporting on my credit report. The phone numbers in the attached letters have been used to protect my actual phone number since I do not know who you are and why you have my information in the first place. 

If you do not have my name in your system then I would strong urge you to consider making a request to have this trade line from your company deleted. If you do have my name in your system you should not have any problem providing a complete package of validation for me including documents with my signature on them for the alleged debt. 

I have attached a screenshot from my credit file. If you do not comply I will file a lawsuit in California for violations of the FCRA and FDCPA and you will be responsible for attorney fees, statutory damages, and my recent actual damages that have been incurred when I tried to apply for a mortgage. My banker has prepared a letter that will be used in court if needed to show that Portfolio recovery is the sole cause of why I have been denied for a {$780000.00} mortgage. 

Delete the trade line immediately and stop calling my boss and stop calling me on my cellular phone.
i have complained before still nothing done ditech has XXXX my escrow account by still not paying my taxes. i made them the last time, they still did not notify the town to get tax bill.i received the tax i called they used the the words as before the " NEED TO RESEARCH '' after two months .THey say for me to fax the bill. no it is their job to get the bill. they do n't return phone calls because they know i am mad. i hope i do n't have to take time out of my schedule to pay the taxes again. 

in response to by last complaint a paralegal wrote me a letter had all the wrong infomation. ditech needs some serious help in the tax and escrow department
Hunter Warfield has refused to validate the debt on XXXX occasions, verbally in XX/XX/XXXX when they called me. They then called my brother and mother and disclosed it was for debt collection purposes, in XX/XX/XXXX when I sent a Do Not Call letter and a request for debt validation and in XX/XX/XXXX when I submitted another request for debt validation. Additionally, Hunter Warfield reports different amounts to the different credit reporting agencies.
In XXXX 2017, I was in credit card debt and could not pay my monthly expenses plus the household bills. I enrolled in a debt relief program with XXXX XXXX XXXX and they took all of my outstanding debt and are helping me resolve/satisfy with my creditors. I sent written notices to all of my creditors indicating that they are to contact XXXX XXXX XXXX and provided their address and phone number regarding the outstanding debt. 
My credit card with XXXX XXXX XXXX was one of the accounts in the program. They use Admin Recovery LLC as their collection agency. Numerous calls and most recently yesterday XX/X/17 they contacted my XXXX sister looking for me and also my nephew on his cell phone. How is this legal that these companies can contact family members with my personal business that I do n't want anyone to know about??? The phone calls are borderline harassment and I just left a detailed message for the contact person at Admin Recovery XXXX and advised to no longer contact my family members or myself and they need to reach out directly to XXXX XXXX XXXX and provided their contact information.
I am disputing the following account with each Credit bureau after finding accounts that were reporting on my credit that I never gave any consent to me opened and address that I never lived at need to be removed I was informed to file a FTC with them and provide this documentation to all credit reporting companies. 


XXXX XXXX  XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX La XXXX the following addresses are not my address please remove them I have provided a copy of my Identification card showing my correct address along with the FTC LA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX This following accounts are being disputed as Fraud accounts I never consent to any of the following companies to open accounts in my name
I had a credit card with Barclays XXXX, sometime last year they cancelled my card with no reason. At this point the payments had all been made. Since I chose " paperless billing '' I stopped receiving a bill in the mail. Shortly after my card was cancelled I called Barclays to let them know I needed a paper statement. They did not send me the statement. I contacted them again and just made the payment over the phone. Barclays took more money out of my account than I authorized. When I called them back to question this I was directed to a person I could not understand because they spoke broken XXXX. Since this time I have requested a paper bill so I could make my payment online and everytime I call they say they will send one but never do. At this point my payment is about 3 months late and I am trying to pay it but I can not trust them to take a payment over the phone and they will not send me a bill. I feel like they keep restricting my online access so I can not make the payment and this will happen. Also, last time I spoke with an account representative they insisted on asking my whole social security number, which I feel is suspicious.
On XX/XX/2018, I purchased an item from a seller on XXXX for XXXX Euros ( XXXX USD ). My only option for paying him was to use Skrill. I logged into my Skrill account and sent it directly to the seller 's email address on file with them. I received an email from Skrill telling me that the Transfer had been successful, and also received by email a Transaction Receipt from them.

My seller -- the merchant -- told me that he never received this money and that it was not to be found in his Skrill account. I asked him three times, and forwarded the Transaction Receipt to him on XX/XX/XXXX. He said he would gladly refund the amount if he had received it in the first place. He never got it. ( I paid again, through XXXX, and was successful this second time. ) I had used the correct email address on his Skrill account.

I complained to Skrill three times about this, and they insisted that the money was in fact there, and told me that they would contact him about it.

I did not hear from them again. I contacted the seller once more, but the money was still not there.

Nothing has happened since my last inquiry to Skrill on XX/XX/XXXX -- except that they sent me a notice that they had received my inquiry.
Capital One fraudulently initiated ACH debits from my checking account 7 times. Capital One admitted its fault and refunding me for four ( 4/7 ) of those fraudulently debited ACH transactions on XX/XX/2017. 
Even though Capital One has admitted XXXX fault and refunded me partially, they refuse to refund me for the rest of those fraudulently debited ACH transactions in the amount of {$2600.00} ( 3 transactions out of 7 ). 
In addition, Capital One closed my account and stated that the account was closed per my request, which is completely wrong! I have not made such request to Capital One.
There are 2 outstanding bills from XX/XX/XXXX for XXXX XXXX XXXX which just got reported on my credit in XXXX XXXX.. I asked them to send me a copy of each bill so they did. I have never seen this bill until now ( 6 years later ), it is too late to file a claim on my insurance. I asked them why they did not handle this 6 years ago but of course no one knew the answer.
In XXXX 2013 I purchased a current year Toyota XXXX from Toyota and at the time of my vehicle purchase I also purchased the tire and oil maintenance plan with an extended warranty also. My tire & oil maintenance plan was to begin after I 've reached XXXX miles on my vehicle. For I was already covered for all of my maintenance work under Toyota 's Care plan up to XXXX miles. After reaching XXXX miles on my vehicle, I attempted to go to XXXX Toyota dealerships to have my car serviced under my prepaid maintenance plan. And I was told that I must return to the original dealership that sold me the vehicle in order to have my service covered for free. so I paid out of pocket for the maintenance service. So on my next service visit I went to my home dealership and that 's when I was told that the prepaid maintenance plan that I purchased expired at XXXX miles. I was very upset and disappointed to find out that I was a victim to fraud by the dealership and sold a maintenance plan in which I was already covered for by Toyota Care up to XXXX miles. After several attempts to resolve this issue with Toyota and XXXX Administrators in which I was asking them to reactivate my XXXX year plan starting from today and with my current miles, I did not receive any resolution. I was told there is nothing anyone can do to assist me. Now I am asking for the help of Consumer Financial to resolve this issue by activating my 2yr/ XXXX miles prepaid maintenance from today and with my current mileage.