WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Wells Fargo Bank Credit card and have been in Active Duty XXXX since XXXX XXXX, 2015. I told WFB this, but was told it did n't matter, that they would only be able to " waive '' XXXX interest charge. So far, since XXXX of 2015, they have, and are attempting to collect interest in the amount of over {$300.00} ( at 18 % ) and fees also over {$300.00}. I was told that WFB can not " go back '' as far as XXXX 2015 to resolve this.
I just would like to start off to say I am a victim of identity theft and I was noticing when I pulled up my credit report that I had a collection agency on there that I 've never done business with ever in my life ccs collections. They are collecting for XXXX XXXX company which I 've never did business with in my life. A few years back my identity was stolen and social security card and everything. I have tried to dispute this many times but the company is violating my consumer protection rights under the FRA Act. Please have them remove this off my credit and delete it I have not done any business at all with this company and I know for sure that I 've never had XXXX XXXX as well this is all fraudulent and I would like this to be removed immediately thank you the next step would be taking this to the attorney general office to file charges on the Creditor company of the LLC and member of management for violating my consumer rights.
I am writing to make a formal complaint regarding the assessment and adjudication of said fees on my Bank of America checking account. 
I called Bank of America Customer Service this morning XXXX XXXX 2016. XXXX previous calls were made with no connect made due to high call volumes and wait times between XXXX and 50minutes. 
- I spoke initially to XXXX and subsequently to her supervisor XXXX XXXX. 
- I requested a review and consideration of reversal for at least some of the fees assessed to my account XXXX of which have come in the last 6 days. 
- I pointed out that attempts were made to bring the account to date as soon as email notification was received. 
- Same day deposits were ignored and fees were assessed regardless. 
- A total of {$420.00} in fees have been assessed to my account in the last Year - A total of {$170.00} in fees have been charged to my account in the last 60 days - A total of {$70.00} in fees on a single transaction for {$70.00}, for which I made XXXX deposits totaling {$50.00} - I have been a Bank of America customer for over 10years - XXXX XXXX adjudicated claims as non-reversible and ended the call on that note. 
- I would like to request a second review and at least some of the funds returned. 

The fact that bank of America can charge {$420.00} in fees on low balance checking accounts, routinely and without any moral dilemma about it shows a callousness and complete disregard for its customers. 

I would like to see some measure of amelioration applied to my case. 

Thank you
I received an active credit card in my name mailed to my house. A Chase Amazon card in which I have never did business with XXXX. In my profile my email address was changed. I have been getting a run around when I try to find out why the card was sent in the first place. Who ordered the Card? Who changed my email address? and How did they get past my security question? Here is a Company that just sends a card to your house that your not expecting and if stolen ... This is a Major concern and if they are just sending cards out because it 's rates are more COMPANY friendly than the one I already have. I have called a number of times on the phone for sometime with the security specialist and when I ask for the information about the card they want to transfer me to credit card applications. and every time they transfer you, they want more of your information. I still have n't received and information that I requested regarding this unsolicited credit card.
I have disputed this alleged and erroneous account currently being reported by the credit bureaus for XXXX XXXX XXXX. This isnt my first time disputing this alleged account and the time previously it has come back verified with no proof or no notification of what method of verification was used. Also the account shows inaccurate information. The spelling on this account is XXXX XXXX. My name is XXXX XXXX As per the FCRA Section. 609 and/or Section 681 the information on my consumer report must be 100 % accurate. As the misspelling of my name on this alleged account created by XXXX  is incorrect and is being furnished to the credit bureaus ( all three ) is causing a negative impact on my reputation. Also the invasion of my personal and private affairs by XXXX XXXX XXXX seems to be a violation of consumer rights as well.
XXXX XXXX XXXX is reporting an old, paid off, mortgage as currently delinquent to my Equifax report. It was paid in full in XXXX of 2013, but is showing 120 days late at this point. I feel XXXX did this as retaliation for my dispute. I filed one complaint under their name, but need this fixed with my Equifax as I 'm currently in the process of applying for a new mortgage. XXXX is also reporting it as still open as well as the original loan amount at {$580000.00} when it was actually {$58000.00}
Last XXXX, Paypal placed a limitation on my account and blocked my access to my balance. They said that they can hold my balance up to 180 days. Now 180 days have passed, they still hold my money and refuse to return to me.
A few weeks ago I was able to make disputes online with Equifax, the following day when I wanted to see updates I was unable to log in, it kept saying my information doesn't match what they have on file. I called Equifax several times, only to be transferred over and over again.Finally, I asked to speak to a supervisor and explained my situation, she informed me that they were never trained for the online dispute center and they do not know who I can contact to fix the issue. I asked them when there is technical issues who fixes it? she told me she does not know, she kept telling me I was on the wrong website, which I explained over and over that I am very familiar with this site and how it works and I read the web page I was using back to her. It was correct! She gave my my ID number to see if that would work, and it did not, it still says my info does not match. 
I am working so hard on fixing my credit, and have nothing but issues with Equifax. When I dispute items on my report things never get changed, unlike when I dispute with XXXX or XXXX, overall this agency determines my future and if they are so difficult and not user friendly how am I am able to change what they have on my credit report. I have asked for a copy and of my report and currently I am still waiting.
XXXX XXXX has called me approximately 17 times in the last 30 minutes after telling them not to call. 

I find this to be harassment. 

Please advise me.
Our mortgages was sold by XXXX Mortgage to Carrington Mortgage effective XXXX XXXX, 2016. We were in the process of going through a refinance with a third lender and had to wait until our account was active in Carrington 's system before we could order a payoff. On XXXX XXXX, 2016, I called in, spoke to a rep named XXXX, and ordered an expedited payoff statement, checked the balance of the escrow and requested my automatic payment plan be cancelled since we would be paying off the loan before XXXX XXXX payment was due. I was told the automatic payment plan was not showing up on the system and to call back after XXXX XXXX. I tried to call back on XXXX XXXX, but Carrington was closed. I called on XXXX XXXX, spoke to XXXX and repeated my request to have my payment plan cancelled. After being transferred to another rep, XXXX, he told me I was not on any automatic payment plan, therefore no payment could be drafted on XXXX XXXX. I would have to submit a packet in order to get on an automatic payment plan. Our loan with Carrington paid off in full on XXXX XXXX, 2016. On XXXX XXXX, Carrington autodrafted a payment from my bank account, causing me to become overdrawn and charged an NSF fee. We called into Carrington on XXXX to complain and was told they could n't even see the payment posted to the account and I would need to fax in proof of payment and the NSF fee before they could do anything. I faxed in the requested information. On XXXX XXXX, I received a call stating I would need to sign the letter I had faxed in before they could start anything. I signed the letter and refaxed. On XXXX XXXX, I called in to check on the status of my request. According to XXXX, my request has been closed, but no check had been sent out. Each time I call in, I start over and each time I am told that a refund request takes 14 days to process before a check will be issued and mailed out to us. At this rate, it will be XXXX before I see the money Carrington Mortgage stole from us, if at all. Yes, STOLE. I never gave Carrington Mortgage authorization to autodraft a payment. I called TWICE and revoked the authorization Carrington inherited from XXXX. They stole my money and are making me jump through hoops in order to get it back. What 's to stop them from taking a payment on XXXX XXXX? I ca n't take them at their word. The real kicker? We received a letter from Carrington dated XXXX XXXX, 2016 thanking us for ENROLLING in their automatic payment plan to begin on XXXX XXXX, 2016. The letter was postmarked XXXX XXXX. This is the shadiest mortgage company I have ever dealt with.
In XX/XX/2015 Wells Fargo and I were working on a loan mod for my mortgage. I was told by their representative that " all collection activities were suspended. '' Wells Fargo continued these activities by attempting to serve me with a foreclosure complaint while under this suspension. I returned these documents to Wells Fargo and their lawyers but they continued the process. I believe they lied to me in order to hasten the foreclosure by getting a default judgment.
I heard Navient was over charging in student loans when is was XXXX, I have a loan from them back in XXXX-XXXX, just want it checked into.
I had a temporarily suspended license due to a traffic ticket. It has been cleared with the justice court of XXXX, but the DMV hasn't updated their information and it is still pulling suspended when my license is no longer suspended. DMV told me it will clear, but it may take a few weeks because it was their mistake. I have a copy of a clearance letter from the justice court saying my license is not suspended. Thank you.
On XX/XX/18 Paypal deducted {$43.00} out of my checking account three times for a purchase I made that was {$43.00}. I filed a complaint with them and accidently I put the wrong purchase amount of XXXX. They denied the claim and said I could appeal and I should show proof. I sent the appeal and explained that the amount I told them was incorrect and it was not the XXXX that I had originally claimed of {$43.00} but the correct amount was XXXX. In the first complaint they also did not acknowledge that I was billed 3 times but on their end they described it as being charged 2 times. In my appeal I explained I was triple charged and the new amount. I explained to them that they owe me {$87.00} and attached a print screen of the transactions for being charged {$43.00} three times. They did not even read the appeal and continued their review and the {$43.00} amount and only as a double charge and then denied again. When they denied again they had the nerve to tell me on XX/XX/XXXX they would be taking yet another {$43.00} out of my account! Why would they be taking that money? They denied the complaint. Thy never gave it back to me. They claim they did something called a " Provincial '' Credit. Most be some ghost credit as it never went into my account! I am tired of dealing with a company that could easily see what it going on and pretending like they don't just to earn interest on my money. They need to be stopped! I am one PayPal user out of millions and they have got to be making an astronomical amount of money playing this, " We don't understand '' game with our money. I have tried calling them and I get a rude and pretending to be confused associate. Feels like it is all part of keeping my money as long as possible. Now they are going to take more money from me. This is outrageous and as soon as we have this resolved I am going to close this account. Please help. I am attaching a extraction from my checking account showing the debits in question.
Our company has an outstanding balance due. We have been in constant contact with the company we owe. They sent our account to a collector at CFM Group without correcting our dispute with them. CFM calls the front desk to be transferred to my line even though I asked him not to call the front desk since we are an XXXX our girls at the desk are too busy to be bothered by him. He then leaves me voice mails back to back for at least 2 hours every day. As of today I asked him to stop calling or I would be left with no other choice but to report him for improper practice. The harassment has to end as of today i have XXXX voicemail 's back to back after my last talk with him of him just breathing heavy into the phone. I know its him since I have called ID!! This has gone on for well over a month every day. He is demanding, rude, inconsiderate, demeaning, and chauvinistic.
On XXXX XXXX, 2015 at XXXX, I contacted Owen Loan Servicing in reference to my account. I spoke with XXXX XXXX XXXX and asked about some documents that were being requested ( Form XXXX ). The complete package has been faxed over twice and the form XXXX was faxed along with the package. It is very difficult to get assistance when calling to the company because not one understands or speak English well. Ocwen continue to ask for the same documents repeatedly although the package has been sent twice.
Please add the following remark ( s ) to my XXXX XXXX XXXX Home Equity Line of Credit Account : " Never Late/Pays as Agreed '' _____________________________________________________________________ Please add the following employment information to my credit report/file : Name of Employer : XXXX Date of Hire : XX/XX/XXXX Title : XXXX XXXX Pay Rate : {$27.00} Per Hour _____________________________________________________________________ Please add the following statement to my credit report/file : " With regards to my XXXX XXXX XXXX - Home Equity Line of Credit ( HELOC ) that is being reported as " past due '' and/or " delinquent '', the creditor ( XXXX XXXX XXXX ) has not mailed me billing statements since XX/XX/XXXX. The creditor is refusing to provide me online access to view my billing statements. The creditor is unwilling to provide me with instructions on an amount to pay and how/where to pay it. I have mailed the creditor a typed statement each month, since XX/XX/XXXX, notifying them that I have not received my billing statement for that month and that a billing error has occurred for that month and every month since XX/XX/XXXX. I may file suit against the creditor because the creditor is unwilling to allow me to pay off the balance and because the creditor is reporting inaccurate negative information. I am a responsible consumer and I have never been late on my mortgage or any other account. '' _____________________________________________________________________ Please only report my name as " XXXX XXXX '' ( after marriage ) and " XXXX XXXX '' ( before marriage ). Any other variations such as " XXXX XXXX XXXX '' should be removed as I do not have a middle name and I do not go by any other name. Thank you in advance.
When I finished my XXXX and first started as a XXXX, I received a notification from XXXX XXXX ( later Navient ) telling me I needed to start paying on my loans. I called them up and asked what my options were for limiting payments while still making very little as a XXXX. I was the single wage earner in a household of XXXX ( myself, my wife, and XXXX young children ) .They told me to apply for deferral and did n't explain any other options. Later when I XXXX at the same university, I could no longer qualify for deferral and my marginally larger salary caused me to seek out other options. I learned that they should have recommended I apply for IBR because with my XXXX salary and family size I would have owed {$0.00} per month anyway under several of the income based repayment plans. Those 2.5 years as a XXXX would have counted toward the 120 months of the Public Service Loan Forgiveness program. Now I am a XXXX and could be 60 payment into the PSLF, but because I feel they guided/pushed me into deferral I am instead only 30 payment into the program. 

I once tried to contact Navient via email, mail, and telephone to try and see if the extra 2.5 years could be counted toward the PSLF program but never received a response to my inquiries.
There's unknown and unauthorized inquiries on my credit report inwhich I did not consent to therefore I would like them removed immediately, and if these companies can not give me physical documentation of such then as stated within the FCRA law, the following inquiries shall be deleted/ removed. ( 1 ) XXXX XXXX XXXX XXXX , XXXX, XX/XX/XXXX, ( 2 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, ( 3 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, when I spoke to the XXXX XXXX she said since it was a XXXX voice that's all that matters, un acceptable excuse.
I am a widow and this is stressing me out both emotionally and physically. 
XXXX of all, when I call them, I get this recording, 'your last payment of {$1500.00} was made on XX/XX/2016 and your next payment of {$1500.00} is due XX/XX/2016 ' RED FLAG! What I was calling about was on XX/XX/2016 my statement said payment due XX/XX/2016. I made a XXXX payment. Then the XX/XX/XXXX statement generated said my payment was due XX/XX/2016, and I did not make a payment for XXXX. The XXXX payment took over XXXX weeks to get there. The statement generated on XX/XX/2016 says that {$8200.00} was XXXX ''. They have CASHED these checks. And I have when I sent them and they allegedly got them. I am on XXXX and I do n't get my check until the third Wednesday of the month. My payment takes most of my check. I got my XX/XX/XXXX check back because I did n't put the XXXX cents in where you write the amount. They charge me {$6.00} for certified mail, when I mail my payments certified, it costs me {$3.00}. I have got XXXX with a certified tracking number on it. They also charge me for property inspection, {$13.00} and they are NOT in California. They also sent back my XX/XX/XXXX payment because it was n't the {$12000.00} plus due. I they pay my property taxes and I feel that they are OVERCHARGING me. When I called them I got that recording I mentioned in the beginning and the person I talked to was in the XXXX, a XXXX. They charge up to {$19.00} to talk to a customer service person. He said that " I '' would have to call back to get the results. 
I have sent letters to them and no response. 
If I have to get a lawyer I am wanting Ocwen to pay the lawyer fees. 
It was in foreclosure I resolved that and have been making payments since.
My account was closes last year, i just opened the credit cards for two months, and i pay the balance every month, and all of a sudden, my account got closed. I have been using other banks for several years, never get account closed from them.
Dear Whom it may concern, I have a medical collection account on my credit reports including XXXX, Equifax and XXXX it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit reporting agency 's.
CHASE CHECKING XXXX STEALS {$6.00} FROM XXXX XXXX DESPITE CHASE WAS ALREADY REIMBURSED {$6.00} BY THE LYING SELLER WHO CROSSED OUT THE BOOK I WANTED AND SUBSTITUTED A RANDOM BOOK HOPING I WOULD NOT COMPLAIN. SEE ATTACHMENT.
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.
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.
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.
Also section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
I appreciate your prompt attention to this matter, and await your reply.
Sincerely, XXXX XXXX XXXX
collection agency has called repeatedly to collect a debt that is not mine. the agent has threatened to come to my place of employment to collect should i not provide payment immediately. at times has left voicemails identifying themselves as a 'goverment agency ' or court clerk.
XXXX XXXX XXXX {$690.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX {$4300.00} XX/XX/XXXX inquries Transunion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX  XXXX XXXX pa XXXX I was victim of identity theft and the bureaus did not remove all the info associated with this crime. I filed identity theft report in XXXX XXXX. please assist me in removing all negatives due to identity theft
On XX/XX/2018 I took my XXXX XXXX XXXX daughter to a car lot o look for a car. We told the salesman that we were going to look around. He kept asking for my information and I only gave him my name and stated I was not ready to proceed and did not want my credit ran until I had made a decision. There was a car that my daughter liked and she gave him a check to hold for earnest money deposit. She later went back and picked up the check because we found another car she liked better. This salesman contacted my daughter on XXXX and hounded her as well as somehow found out my employer and contacted them trying to reach me.I do not know how he got this information. He also made a hard inquiry on my credit without my consent. This is still showing up on my credit report after I contacted the company Hoffman Auto Sales in XXXX NC. I explained to him that I did not authorize him to pull my credit and that it was extremely unprofessional of him to contact my XXXX XXXX XXXX daughter on XXXX as well as " dig '' into my personal information to find out my employer, contacting them just to hound me about buying a car from them. I reported this to the manager of the dealership but was never giving any resolution or contacted further.