WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/ : Ref # XXXX - Requested account be closed and check be mailed XX/XX/ : Return call Ref # XXXX to confirm details of prev call and I also mailed letter as instructed to over-night department requesting account reactivation XX/XX/ : USPS Confirmed Letter was received via signature XXXX XX/XX/ : No call from Wells Fargo as promised once letter was received. Call today to request status update. No one has seen my letter. No one knows why my account is not active but shows active but wont allow anyone of the 4 or 5 people I've spoken with to close the account and mail me a check. My call was transferred a few times to operators and wrong departments until I finally spoke with XXXX, C-Rep Ref # XXXX that I can call back on XX/XX/XXXX and request my check and that would be ok even though it now falls outside of the " grace '' period. She spent the time to confirm some questions about me and indicated account should be reopened ( even though it was never truly closed ) and I can request the check on XX/XX/. 

By the way -- this is the 3rd attempt in 2 years I've made to close this account. I didn't document those attempts at the level of detail I am with this effort.
I have had an account with this company with direct deposit of my paychecks for 5 years. I checked my account balance on XX/XX/XXXX and noticed a charge for {$99.00} made at a XXXX station in XXXX, FL on XX/XX/XXXX that I knew was fraudulent because it was not my purchase. I immediately called Netspend and cancelled the debit card and filed a dispute of the charge. I advised them that this purchase was not made by me. I was provided a case number and advised that it would take them 10 business days to investigate the matter. On XX/XX/XXXX I received an email from them stating that I had to submit a request in writing within 10 business days for refund of the disputed charge. I submitted the written request on XX/XX/XXXX.
The issue still has not been resolved.
XXXX XXXX is inaccurately reporting an alledged debt in the amount of XXXX on my credit report ( s ) which is false. 
The alledged creditor under the name ( XXXX ) is also false. XXXX XXXX continues to report this inaccurate, injurious information on my credit report ( s ) and are jeopardizing my credit rating and overall financial status. I sent this company a validation notice in accord with the Fair Debt Collection Practices Act ( FDCPA ) section 809.

This company has failed to provide proper validation which is a serious violation under FDCPA Section 809 in response to my validation request.

I disputed this information with the credit bureau and CCS verified in response to the disputes I submitted. This is a continued collection activity violation and a violation under both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( FCRA ) as well. 


I would like to take the opportunity to submit another validation request in the body of this very complaint shown below : " I DISPUTE YOUR CLAIMS IN THEIR ENTIRETY REGARDING THE ALLEDGED ACCOUNT # XXXX ''. 

I want full proper validation or this erroneous account or remove it immediately from my credit report ( s ).
I was contacted by a collection agency about a credit card that I did not know existed. After speaking to them they agreed to turn the debt back to Bank of America as a possible fraud situation. I contacted B of A 3 times by letter explaining that I did not live at the billing address and had n't since XXXX. It appears that my ex wife was using the card, I asked for a copy of the card application and the charges, I also gave them my correct address. This started in XXXX, to date there has been only XXXX response which states that they changed my address in XXXX XXXX. In the mean time they charged off the debt and sent me a XXXX this year for over {$10000.00}.
I called the credit collection agency that had XXXX different claims on my credit report. I had no idea that this was even on my credit report. The lady on the phone said that I owe way more then what my credit report said. I asked here what it was for and she just told me I have XXXX open accounts. I again asked what for and she did not answer. I asked here to please send me a letter explaining the charges and that I am liable and she said that she would not do that but she could tell me over the phone how much I owe.
I am shocked that XXXX XXXX XXXX has refused to review my complete modification packet despite being told to submit a new packet while my appeal is being reviewed. Apparently, they are using my active sale date for XXXX XXXX against me even though they were aware of my sale date since I constantly voiced my fear of losing my home. However, I provided all documents needed for a modification review but XXXX does not want to move forward and review my loan. I have an appeal letter currently under review with XXXX and was promised to have a rush review due to having the active sale date. But again, XXXX is using it against me that I did not submit my modification packet before the 37 days but how can I summit a packet when my appeal is under review? Clearly, I am being set up for failure to ensure I lose my home. When I submitted my appeal I was told the sale date would be canceled if a decision was not reached or if it was I would still be able to resubmit. They lied and the appeal assures they will not move forward with a foreclosure should one be pending. Moreover, I was advice by agent XXXX ID # XXXX that in order to have my sale date put on hold or suspended I needed to submit a complete packet. Obviously, I because suspicious because the appeal states after the outcome I would have 30 days to re-apply but yet she requested I immediately submit a packet since the decision for appeal was pending. Now, because I submitted the packet they are using it against me despite having my appeal under review. This is grossly unjust and they need to stop doing this to struggling home \owners such as myself. I am in shocked and absolutely angry with the way they set me up to fail. I am in tears because as a single mother you can only imagine the XXXX I am experience at being left homeless.I have and continue to do everything XXXX has requested of me. The modifications offered in the past where not affordable and was told they would be reviewing me for the HAMP Tier 2 and not to worry. I am reaching out to you as my last desperate attempt to help me. They need to stop my foreclosure date as told and considered for the HAMP Tier 2. Please I hope you help me and I do not lose my home. Thank you so much for listening and helping me with this.
Pinnacle Credit is trying to collect a debt payment ( and have reported it to the credit bureaus ) on a 2007 XXXX XXXX phone bill that is not mine. I have repeatedly asked Pinnacle to remove it from my credit reports, but they refuse. They also refuse to contact XXXX to verify the account. I have contacted XXXX. They do not have any records of an account in my name. 

I have been working with my state 's Consumer Protection Office and the Attorney General 's Office. Pinnacle still refuses to cooperate.
Nationstar mortgage acquired my loan in XX/XX/XXXX. They refused to honor the modification that I was in, did I was behind, and were foreclosing, giving me no options to save the home, and not accepting payments. I finally just listed the home for sale the middle of XX/XX/XXXX and found a buyer quickly. My principle balance is {$60000.00}. Nationstar came back with a payoff on XX/XX/XXXX of over {$100000.00}. I called on XX/XX/XXXX to find out why and was told This amount includes a modification fee of {$12000.00} and over {$5000.00} of lender paid expenses. Over {$12000.00} of interest and almost {$10000.00} in escrow fees. I requested an itemized list of charges, which will take a week to repair, and asked to speak with a manager about having the modification fees removed since they never have me a mod. The representative said that I was right they saw no modification on my file and that he would send a note but refused to let me speak to a manager about the issue and said that he had no authority to remove it, that would have to be decided by management. I again asked to speak to someone in management, and was told that it was n't possible. I need at least the {$12000.00} removed, and by my calculations I was over charged for escrow by {$4900.00}, and there are probably more fraudulent charges on there as well that I need investigated, or I will make nothing from the sale of my house, and me and my children will be homeless in ten days when the sale closes.
On XX/XX/2016 I purchased a vehicle from Auto Now Financial Service Company. I was never late on my payments the car was totaled in an auto accident in XX/XX/2016 and was paid in full by XXXX XXXX XXXX paid directly to Auto Now Financial. I attempted to purchase another vehicle from Auto Now Financial although this was done at a different location owned by the same company. The car I was trying to purchase had front axle damage. I reported this problem to the dealership within the first five days. The dealership stated " how do you know it is axle damage? we do not cover tired damage '' I again informed them I took the car to a mechanic who informed me it was axle problem and the car was unsafe to drive. The dealership had previously removed two locking bolts from the two front tires prior to me taking the car. I informed the dealership that I did not want this vehicle and they refused to take it back. The car sat in my apartment complex for three weeks before the dealership showed up with a tow truck to take it. I never gave them a down payment and never made a monthly payment for this vehicle. Auto Now Financial has since reported on my credit report that I did made two payments one in XXXX and one in XXXX of 2016 although their report does not show amounts. They reprocessed my original loan that was paid off by the insurance company as a transfer to the account now listed on my credit report. This was done without my consent or my knowledge. I just found out today of this action. I have never been able to purchase another vehicle since they have done this. Auto Now took the vehicle back and resold it although they have still been reporting as late on my credit report
Last year, I began receiving fraudulent electricity bills at my address with my name and address from XXXX XXXX for a service address in a different city over XXXX hours away from where I live. I repeatedly called XXXX to try to resolve this problem but was brushed off and lied to. I spoke with customer service agents, fraud department, billing and collections and even the office of the CEO. I was told over and over again that there was nothing I could do because I was not listed as an authorized user of the account. They said I should not worry because they had another party listed as the account holder. They could not or would not look into or explain how my name had been linked to this account. I asked for my name and address to be removed from the account but was told I could not because I was not an authorized user of the account. I was assured that there would be no repercussions and that my name did not even show up on the main account information page. XXXX refused to investigate, refused to accept a dispute, refused to take a complaint over repeated calls for months. 
Finally, the account became delinquent and we began to receive notices from XXXX and then from a debt collection company. I immediately contacted the debt collection company, who were helpful. They told me that XXXX had sent them the account with only my name and address, despite the fact that XXXX had told me over and over that I was not responsible for the account and could not make any changes and that there was another person name listed as primary responsible party for the debt. In short, despite all of this, when the account became delinquent I was the XXXX held responsible for the debt. They also told me I needed to and was entitled to file a dispute with XXXX. I called XXXX to confront them with this information and threaten legal action through a complaint to the PUB. In response, XXXX now, finally, claims to be taking action to clear my name, remove my address from the account and send a cease collection notice to the debt collection company. I have yet to see proof of this, and they do not intend to send me any proof. I fear that this negligence and incompetence on their part will end with me having to pay a debt that is not mine in order to clear the record of this bogus debt now associated with my name and address. And even if they have taken action to correct this fiasco, I can not forgive the months of incompetence that preceded it. 
I want to reiterate that at this time, GC Services collection company is NOT in any way responsible for this, as they explained to me that XXXX sent the wrong information to them. I hope this will continue to be the case.
This is actually a dispute complaint to respond to Aqua finance 's response to our latest complaint against them and there colleagues. Aqua finance in there response stated that they are glad I sent pictures, they did n't expound on which pictures and if they are referring to there work trucks you can clearly see there trucks have tx plates. XXXX was using there work trucks to follow me down XXXX just about every day and also when I would leave XXXX driving on XXXX. It seems funny that XXXX is discussing some of the pictures but what about the correspondence between them ( Aqua finance ) and the XXXX that I sent your department? The correspondence clearly shows that Aqua finance like a lot big companies when they get cornered they will lie! Aqua told the XXXX that they do n't have any other company working on our account, that was a lie and if your department have been reading our update complaints you know from reading the documentation that after numerous complaints submitted to the XXXX Aqua finance finally admitted to having a 3rd party company working on our account by the name of XXXX XXXX. Aqua finance also stated to the XXXX that they do n't work in real estate and that they never have and they never will. Another lie if your department reviews there web site you will see not only is Aqua finance involved in real estate, but they are also involved in mortgages, car loans, and personal loans. This is just a short list of Aqua 's business ventures. Aqua has clearly been caught in several lies and it 's on paper! This company and there colleagues have been felony harassing my family for over 4yrs. Aqua illegally sued us without our knowledge and have been trying to force us out of our home for the last 4yrs. We even tried to pay these crooks 3yrs ago and finicial systems of greenbay told us they do n't do written contracts. Finicial systems of greenbay told us they only do verbal contracts and we knew that was n't right. They had 1 of there XXXX ( agents ) damage our sons car so I called the police and I told the officer what has been going on. The officer told me not to pay them because without a contract we have no proof that we have been paying them. I also came to the realization that there ca n't be a contract because the case is supposed to be closed! Once again these companies are caught using illegal practices. Aqua has almost XXXX XXXX complaints that have been submitted against there company and there affiliates. All these victims saying the same thing ca n't be lying. The next time we talk to Aqua will be in court with our lawyer, along with the media and as many of aqua 's victims as we can find to come forward to give there testimonies!
The company repeatedly refuses to send requested paperwork proving there is a debt. Gentleman keeps laughing and making veiled threats : '' " We already KNOW where you ARE!!! '' and " You 'd BETTER do a property search on your name and social security number! HAHAHAHA! '' and then hangs up.
My social security number was compromised in XX/XX/XXXX. I only found out when I received a phone call from a collection agency demanding a payment of {$1000.00} to XXXX. I have been going back and forth with XXXX for OVER A YEAR, submitting ALL documents they have requested, contacting all credit bureaus, etc. The credit bureaus have informed me that they have never received anything from XXXX saying that this was fraud, but I have a letter from XX/XX/XXXX, from XXXX stating that they have sent a letter to the credit bureaus and to wait 90 days for the removal. It is now XX/XX/XXXX. There is a hard inquiry on my Equifax report that was NEVER authorized ... XXXX also opened an account with my social security number, under the name XXXX XXXX, which is NOT my name. My name is XXXX XXXX. The account number is XXXX. I have sent them a notarized packet that shows my address, which was not where the orders were made, at the time, as well as my driver 's license, a copy of my ss card ( with the numbers except the last 4 blacked out ) a FTC report, and their own packet that they 've requested. I 've also sent them a copy of my credit report where it shows that hard inquiry still exists. I even filed a police report, and gave the police officer the name, address and phone number of the suspected person, and even HE did n't care to do anything. This has been going on for OVER A YEAR. If this does not get cleared up within the 15 days that CFPB says to allow, I will be contacting their legal department.
I began the process of refinancing my home with Wyndham Capital on XX/XX/2016 in order to pay of the first mortgage and a HELOC balloon payment that was due on XX/XX/2016. The loan specialist from Wyndham promised me that they could get me an FHA loan and that it would close in 28 days. Over the next three months they asked me for the same documents repeatedly, kept submitting the same request forms to the IRS for tax transcripts from my mother, and missed critical deadlines in order to close the loan. They missed the due date for the HELOC, missed the grace period, and in short never closed the loan. Because of this I no longer could get an FHA loan so one of their representatives tried to get the loan servicer ( XXXX ) to report that I had made the XXXX and XXXX payments so it would show XXXX on time payments and not report as late, but of course, XXXX could not do that since it would be a fraudulent statement. Finally in XXXX Wyndham sent me an email saying that they could not move forward with the mortgage since my credit showed late payments. They are the reason that the loan was late. This has ruined my credit rating and refuse to help me.
The servicing of my mortgage was transferred from XXXX toSelect Portfolio Servicing at the beginning of XXXX 2015. I attempted inXX/XX/XXXX, to make my XXXX mortgage payment online, but was unable toaccess my account information. I contacted SPS 's customer service andthe gentleman who answered the call was also unable to access myaccount information. I was told they were a really large servicing companyand it takes time to load all the loans they purchased??!! Was this their firsttime uploading loans to their system? I did as I was instructed and waited untilXXXX XXXX to log into my account and to my surprise my account informationwas available. I logged in set up an account, placed my checking accountinformation into the system, to see a message I was going to be assessed a {$15.00} check by phone fee to make an XXXX time, on time regular mortgagepayment?!!! Working in the financial and mortgage servicing industry for thelast 13 years I know for a fact it costs pennies to process check by phonepayments. Consumer 's should not be charged outrageous fees to processregular on time mortgage payments. I am not delinquent, I am not having arepresentative process the payment, I did all the work, now automation takes over .... and I have to pay for the companies automation? I never had to pay afee with XXXX and since consumers can not choose who their servicingcompany is, I feel it is unethical for the new company to charge for servicesthe prior servicer did n't charge for. After calling in a talking to a servicingrepresentative at SPS, I got the run around before even getting the feewaived. I should n't have to pay {$15.00} for the company 's incompetence. 
Mortgage servicing companies are necessary for processing payments, dealing with the escrows, ect. but since the consumer can not shop aroundand make the choice about who services their mortgage loan, the servicingcompanies should not be able to charge customers for making onetimepayments online.
I believe XXXX XXXX XXXX and XXXX XXXX XXXX two fugitives   that I reported multiple XXXX   are  calling TD bank making false claims tha I'm a XXXX XXXX asking TD Bank and other company to place hold on my account which Did not authorize please investigate this matter
I was provided a pay off amount on XXXX from XXXX XXXX by email. I made the payments and monitored the account via credit reporting because after this I was told The information could not be provided by email. It's always a hassle with this office. Based on information provided by XXXX credit reporting, I had balance of XXXX. I paid this amount off in 2 payments. I received a notice on my door stating I owed. I on XX/XX/XXXX. I emailed the office. On XX/XX/XXXX, that Monday, I received an email saying my account was not paid off. I spoke with XXXX XXXX on XXXX XXXX, who told me by account was not paid off. He then told me I owed another 1500+ plus dollars. I then asked for the payment history. He put me on hold and did not return to the phone. I called back and was put on hold again when I asked to speak with him. He never returned to the phone. I then asked for the payment history to be sent again. After not receiving, on XXXX I requested it again or to send me my titled. It was finally mailed out and it is now showing I owe XXXX not 1500.00+. I then informed them this could not be so and they had even reported to the credit bureaus I owed nothing and to send me my title because I did not owe anything else or it would have been included in the balance. This company also in XX/XX/XXXX repossessed my car with only one payment outstanding saying it was because I did not call the office and I had to have a cell phone number to keep in contact. At this time they told me that they had to put a tracker on the car and I had to pay for it as well or I would not get my car back. I complied n order not to be responsible for more storage. I needed the car and could not afford this absorbency.
On XXXX I called the Equifax Credit company, so i can Dispute an account On My Credit file I gave the name Of the Creditor Which is XXXX, I went on online several times To check the status with no results. 
The Reason I was dispute this account Is because, This account It was included On My Bankruptcy XXXX And I had Been Dismissed since XX/XX/XXXX, to my understanding every account included in My Bankruptcy should be Deleted out my Credit File. 
As a today I have n't heard anything from Equifax at all.
We request your action against the XXXX which failed to protect its customer ( XXXX XXXX XXXX XXXX XXXX under Fair Credit Billing Act ( FCBA ) and paid a merchant for goods not received by the consumer. 
XXXX XXXX accepted the forged XXXX delivery receipt although the consumer confirmed that did not receive the goods and XXXX confirmed unavailability of signature. 
On our dispute that recipient of our order did not receive the goods, the merchant provided additional forged email as evidence to its delivery to the recipient of our order. We do understand that XXXX XXXX is not a law enforcement authority but at least it could question the merchant if the provided proof is forged on the basis of the police report we had submitted to it. 
The claimed delivery address does not belong to the recipient of our order. We provided the evidence to the XXXX XXXX that the merchant was aware about this fact and looking for our help to subpoena the property owner where it claimed the delivery.
I have spoke to Wells Fargo several times regarding the escrow account they have for me. My first mortgage pays my escrow acct and they will not remove the escrow from my account and I received another bill today saying my mortgage will be increased due to the escrow.