WillisBack/dataset-financial-user-claim huggingface dataset:
I lost {$30000.00} in wages earlier this year and requested a loan modification with my mortgage company, Wells Fargo. It took them almost 5 months to process this request and get approved. They dropped my monthly payment by {$20.00} dollars which obviously was not enough so I could not make my trial payments and still could n't afford the payments. When I got back into a position where I was making more money I contacted Wells Fargo again and informed them of this and asked what I could do to bring the loan current. I was told I had 30 days to come up with {$10000.00} or they would foreclose on the house. I contact our State 's department of Finance who contacted them on my behalf. I received a letter from them on XX/XX/XXXX that they were going to see what they could do to help me. The very next day I was served with Foreclosure papers. That had been filed with the court on XX/XX/XXXX to be served the day the money was due. So they continued on with the Foreclosure process although they had told me they would give me the 30 days to come up with the money. Upon receiving the foreclosure court documents I contact them again at the executive branch number that was given to me when I was contacted about the state department of finance contacting them. I spoke to one representative who was not helpful and could not tell me what was going on with my case but took down info and assured me my case worker would call me that same day as it was my only day off. I received No phone call. I called again on XX/XX/XXXX and left him a voicemail with name, best number to reach me at, and that I would appreciate him calling me back before XXXX as that is when I needed to leave for work. I have provided a more detailed account of my issues with Wells Fargo in the supporting documents
Navient  had taken over possession of my student loan. I never received paperwork claiming they had purchased the loan and it was under their management. I got a letter when my loans were due that I owed my first payment. They also had the wrong graduation date from college so the loan collected interest over  three  years when I could have been paying it. They claim it was the responsibility of the borrower to let them know of any incorrect information, which I understand. But, I told them I had no idea that Navient even existed until they sent me the first bill. So, I was n't even aware they had my loan let alone incorrect information. They said all they could do was take the interest accrued and put it in a separate account and I can pay off the interest it accrued over those  three  years while the rest of the loan sat there and accrued more interest on the principal balance. They said it would be around {$6000.00} that I would have to pay first if I did that and the rest of the loan would continue to get higher since it would accruing interest.
I was contacted by Star Cash XXXX XXXX at a time i was desperate for money. They told me they would grant me a loan but my credit score was bad so i would need to XXXX XXXX {$200.00} as a deposit.They said the loan plus the {$200.00} would be deposited in no more than XXXX minutes.They told me that if I received a phone call from anyone to tell them i received the money from a friend to avoid extra charges.After sending the money I got a phone call like they said I would, I was told that there would be an additional charge of {$310.00} .This is supposed to be some sort of tax because the money was sent out of the country XXXX.The man at the loan company called me back and was irate with me for giving his phone number to them but told me to send the extra {$310.00} and they would cover that amount also PLUS THEY WOULD GIVE ME AN EXTRA {$100.00} for my troubles.I did not send any more money.
A new loan just magically appeared on my credit report while check it through XXXX I have no knowledge of bayview loan. It looks like it has been transferred from XXXX, but completely incorrectly. I feel that XXXX XXXX may have supplied incorrect information due to having been in fights with them over creating incorrect information. Yes, they created incorrect information.
You all have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. You all have also failed to adhere to federal regulations and violated several laws of the FCRA. 
*XXXX # XXXX # XXXX XXXX {$510.00}, {$770.00} Has agreed to delete all accounts you still choose to report. FCRA guidelines a collection can not be past due. You all have not provided me with the verification method you used on this account that you say you previously verified. This Collection Agency has not verified this account. A collection account can not go into collections according to FCRA guidelines ; the Collection company can not report that because they are not the original creditor. Reporting inaccurate negative information ; violation of FCRA. 
XXXX {$65.00} : According to FCRA guidelines a collection account can not be past due. The account can not be an installment or note account it is a collection according to FCRA guidelines. Please verify the said dates of collection. XXXX XXXX and remarks in status does not match. The information is contradicting. Reporting inaccurate negative information ; violation of FCRA. Violation of SCRA. Which is unverifiable and by law should be removed. 
Inquiries : You all have stated to contact the reporter about inquiries and I have and they remain unverified. It is also your job to not report unverifiable information. If you can not verify that I authorized these companies access to my credit file then you are in direct violation of the FCRA, because the FCRA states that Reporting Agencies must correct or delete any incomplete unverifiabe information.
XXXX XXXX XXXX is still trying to charge me for phone service I never had. As stated in my previous complaint filed with the CFPB back in XXXX XXXX, XXXX, I have never used XXXX, and have been with another company for seventeen years. The account number on the bill, which is " XXXX '' ( which corresponds with the last XXXX digits of a person 's Social Security number ) does not match mine. In addition, the phone number on the bill is not mine! I happened to have a similar name to the person listed on the bill, so they forwarded this bill to my address, and demanded collection. I called them, and explained what happened, and the XXXX representative promised me that they would call off the collection agency. However, I see that on my credit report, they have still posted me as owing money to them, unfairly damaging my credit. Instead of correcting their mistake, they have passed my name, phone number, and address to yet another collection agency. First, " XXXX '' back in XXXX XXXX ; second, the " XXXX XXXX '' back in XXXX XXXX ( XXXX, which, by the way, apologized and stopped harassing me ). Third, they passed my name yet again to " XXXX XXXX, XXXX '', which not only apologized for bothering me, but admitted that XXXX had passed on to them a fraudulent debt. In XXXX XXXX, XXXX did it again, by passing my name to " XXXX XXXX XXXX ( XXXX XXXX ), '' which acknowledged that the debt was fraudulent, and closed the case. Now it is XXXX XXXX, and XXXX has persisted in sending this " debt '' to ERC, which is offering a settlement. Why should I pay a settlement for a debt that is not even mine?
I called wells fargo XXXX number and asked them not to renew my CD, the did this correctly for one account and transferred to my savings account, i called again next month for another CD that was going to expire in 7 days, they said its taken care of and wont be auto renewed in XXXX 2017. now when i check my account its been auto renewed the issue for another two years, when i called them they are transferring m back and forth and not ready to fix
I filed a complaint with Trans Union XXXXIt is for XXXX Account # XXXX. I received a letter stating if payed by a certain date XXXX/XXXX/15 the settlement amount it would be cleared. The amount to settle account was {$120.00}. It was payed directly to them by phone and taken from our account XXXX/XXXX/15. It was then put on to my Credit account with Trans Union then after being payed, that saying I owed {$420.00}. This severely lowered my credit score. It was n't even on there before. I have a copy of letter sent by company to me and proof it was payed. I have never heard back from Trans Union.
Credit Tech show an inquire on my credit on XX/XX/2018 but I did not give them permission
on XX/XX/2017 I filed a complaint with Bank of America after there was a fraudulent transaction was made on my account in which {$350.00} were withdrawn through a teller transaction that occurred on that same day. I explained to the fraud and claims department that I had visited XXXX XXXX XXXXXXXX the weekend prior and I had visited several businesses where i used the card and had also utilized an ATM. I did however still have the card in my possession. After investigating, Bank of America chose to deny my claim saying that both a debit card and correct pin were used ( even though i still had the original card in my hand at the time of the fraudulent transaction ). I appealed the decision and by XXXX my appeal was denied once again. After looking through various governmet resources and statues, it seems that my situation warranted for me to only be liable for a maximum of {$50.00}, however, Bank of America has chosen to ignore their responsibilities in keeping their customers data and financial holdings secure by allowing the illegal and fraudulent copy of a debit card to be used in a teller transaction without any form of scrutiny whatsoever.
I am a student loan co-signer. I have made on-time payments to XXXX ( XXXX XXXX XXXX ) for my son 's defaulted XXXX XXXX/Navient private student loan since 2011 when I became aware of the default status. 
I requested that my credit report reflect that my debt is in collections and being paid monthly. XXXX XXXX refused to update my credit report and reports it as a Charge off with {$0.00} payment every month. This negatively impacts my ability to obtain basic credit worthiness for example for renting an apartment. How can I get XXXX XXXX or the collection agency to report accurate information on my credit report?
I was strong armed into buying a XXXX XXXX timeshare membership on XXXX2013. They wouldn't let me leave by trying to tell me other benefits to the membership. They mentioned that the timeshare maintenance wouldn't be more than {$1000.00} for the year that I use the timeshare, which I signed up for even years. Then they also mentioned that I would be able to give the timeshare back if I do not want it and the membership I was purchasing was from someone that did turn it in. I have tried to get to a resolution with the company but they said that I can not return the timeshare or change title until the loan is completely paid off. I haven't used the timeshare sine I purchased it due to none of the resorts being available thru the membership - but units at the resort were available online at hotels.com for cash. I only was able to exchange points. Plus the payments have to be automatically otherwise they said the interest rate would be higher, which I wasn't told when I purchased the timeshare. Plus the loan isn't even showing up on my credit, so I have no way to know how much is still outstanding.
I leased a Hyundai in XXXX and made every payment on time. I leased another Hyundai, in the summer of XXXX and turned in the XXXX car. As part of the deal, my last few payments on the XXXX vehicle were to be paid by the Hyundai dealer. Apparently, the payoff funds were applied to the new vehicle, instead of the old vehicle. I have no idea if the Hyundai dealer or the XXXX XXXX XXXX made the error. I began making payments on the new car and, still today, make my monthly payment on time. 

My credit score took a major hit as 3 payments on the old car erroneously appeared as past due. After much legwork, that I was required to do between the dealer and the finance company ( they would n't do any research, saying it was my problem to resolve ) the finance company agreed that the payoff funds had been received when due and they agreed to remove the late payments from my account. Several weeks later, my score returned to normal. 

Later in XXXX, one of the late payments appeared again ( on the old account ) and I filed a dispute with XXXX. A few weeks later I received a notice stating that the information was correct ... .and I then noticed that all 3 late payments were on the XXXX report. 

After many phone calls, I was finality able to convince XXXX XXXX that the late payments should be removed again, and I assumed this finally solved the problem. 

In the spring of XXXX, I received another notice ( from XXXX XXXX ) that my score had dropped. All 3 late payments were again on my report. Removing the errors took even more phone calls, as I was repeatedly told the data was correct and that XXXX was to blame. I finally reached a reasonable person at XXXX XXXX who saw the full history and actually apologized. I appreciated her help, but stated that I was very concerned with the apparent lack of controls that would prevent this problem from happening again. Knowing that if they did n't correct the source data in their system ( s ), a repeat posting of this data was certainly possible. Unfortunately all this lady could do was correct the data already sent to XXXX. 

Today,XX/XX/XXXX I received yet another notice that three XXXX payments were now showing as late ... ... ... 

XXXX XXXX is n't open in the evening ... but I will call them again in the morning.
An unidentified law firm representing GE Money Bank called from a blocked number stating their processor has failed at delivering documents pertaining to a civil suit case that is being handled by said firm. The person with whom I spoke said her name was XXXX but did not give any information about the firm she was calling for or give me any contact information. She threatened that her firm was going to follow through with a civil suit to obtain a default judgment. The account in question is not mine and I have no knowledge of this account 's existence. XXXX stated the account was closed XX/XX/XXXX, meaning that the statue of limitations to sue expired XX/XX/XXXX. Upon bringing this fact to her attention, she continued to threaten me that they were still going to follow through with the suit. She hung up without any further correspondence. I was never told where this case would be filed, nor how to get in contact with anyone to investigate the matter further. This account has never appeared on my credit report, nor have I had anyone in the past make any attempt to contact me.
I had called into customer service in XX/XX/XXXX because my grace period was over and applied for the income based repayment plan. I was told that I should consolidate my loans together so that I would have better option of paying off. This customer service agent did NOT educate me on what that meant and had me consolidate. When I called in again to apply for public service loan forgiveness a different represantative told me that had I NOT consolidated that my loans could've been forgiven as I had worked in a qualifying employer since XXXX. I wasn't told that once I consolidated none of that was possible. I have called in numerous times since then and customer service agents all tell me something different. I am very frustrated and just want to know why I can't get my loans forgiven when I qualified for them, instead they want me to start all over from XX/XX/XXXX on.
I have requested proof that this debt is mine multiple times. This debt of XXXX is on my credit file and no one has been able to tell me what it 's for with the exception that it 's for a bank. I have no idea who the bank is. This has not been validated despite my requests.i demand this be removed from my credit file as this is not a valid debt.
XXXX XXXX with XXXX XXXX XXXX XXXX  pulled my XXXX   credit report without my consent. I contacted the XXXX XXXX and they said that they have made the appropriate updates and have notified the XXXX  of the changes that need to be made to my credit report. They said that the hard inquiry would go away.However, the hard inquiry has never removed from my XXXX credit report.
XXXX XXXX XXXX is reporting incorrect information on my XXXX and Equifax Credit Report I have contacted each credit agency via Certified Mail regarding the Account being reported. The Company 's Name is being reported on XXXX  as XXXX XXXX and on Equifax it is being reported as XXXX XXXX XXXX. I do not think this company has a licensees to operate in Pennsylvania due to the various names used. The balance is steadily increasing no payments are being reported correctly causing late payment to pile on my report. Account information is incorrect this account is effecting my credit worthiness and I request this account be removed for my report due to the fact stated above. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.
I have a 30 day late on my credit report when the money was paid and out of my bank account and with Ditech. Here is the list of events that have happened over the past 3 months. 
XX/XX/XXXX - made a {$200.00} payment toward my mortgage payment that was due on XXXX. 
XXXX - made full payment of XXXX because the online and automated system will not allow a payment of anything less than a full normal payment XX/XX/XXXX - called to make my payment due XX/XX/XXXX. I called because I was going to make the payment minus the {$200.00} that was still sitting in my account since XXXX XXXX. The CSR was great. She saw my {$200.00} and said it went to late fees but it could be reallocated and all I had to pay was the remainder of the payment which was XXXX. She took that from my account for me and waived the {$19.00} fee because I did n't have another option to make that payment due to their online limitations. She assured me I was all set. 
XX/XX/XXXX went to make my payment online and was past due. Called customer service to straighten it out. They said my reallocation requested was submitted on XX/XX/XXXX but did not have a decision yet. I was hit with a 30 day late on my credit report for XX/XX/XXXX. I asked for a manger and spoke with a man named XXXX. He assured me that it would be looked at ASAP and he would get back to me on XX/XX/XXXX either way. He never called. 
XX/XX/XXXX - I called customer service again. My reallocation was not complete and no one could answer me. The girl I talked to sent him an email and I left him a message and still no response as of XX/XX/XXXX. 

I am beyond frustrated beyond words. First of all I was told I was all set for XX/XX/XXXX by a customer service representative and I was not. Then my credit took a hit which it should not have. I paid XXXX. Then I call to resolve the matter and it has been over a month and was never even looked at. I do not know if my credit will be hit again for XX/XX/XXXX. Ditech had my money and did n't put it to my payment and then caused a hit on my credit. Then they have yet to resolve the issue ... ..over a month later!! Then to top it off, I can not get a response from this company and/or the manager that I spoke with. I can not get anyone to work with me and help me. All calls are recorded and I even asked them to pull my phone call from XX/XX/XXXX so they could see that I was told I was all set. I can only go based on what customer service tells me. No one will follow through or follow up with me and I need to get this resolved so my credit is not ruined any more than it has been due to their incompetence.
I have contacted Rate beat llc, a mortgage company to do my re-fi after i heard about them in radio XXXX. I started speaking with the President, XXXX XXXX and provided some basic docs. day XXXX we agreed upon, no closing cost and LPMI. by reviewing my case he found a rate of 4.125 % with XXXX lender. I signed consents and provided details information. both my and my wifes credit score was pulled. I got conditional approval after 2 weeks and ready to close. After that I got another consent from a different lender. When I inquired, XXXX advised that the rates are better and they would do a rate of 3.75 % and submitted my details with another lender. I had to agree and went ahead with the consents signature and all other docs, like XXXX, XXXX, tax return, ssn, bank stmt etc. I got conditional approval from 2nd lender also. I was also charged for some transactions and when asked i was told it will be returned during closing. After 2 weeks when I started following up they are saying i am not eligible for the loan program they put me under. This is really not correct and unacceptable. They would have found the program eligibility from dayXXXX itself and not after conditional closure. I believe they are not reliable and trustworthy. Before anyone becomes the victim like me, it would be better the govt. know about this and take proper action. Also, please advise how can I challenge their process and the way they handled my loan. If there is a legal way to handle this? I am concerned about all my and my spouse personal and financial details including ssn is with them which can be compromised. Please help!
I sent XXXX Euros to Coinbase.com via wire transfer and the money was not credited into the account nor refunded in my bank account.
The money was sent on the XXXX XXXX XXXX 2017 and I wrote them on the XX/XX/XXXX the first time. They replied with an automatic response on the XX/XX/XXXX but the answer was totally not related to my question.
I was denied from a lender for " too many inquiries '' on my Equifax Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Equifax Credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax Immediately and was given no relief. I also have a fraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/2018, I sent an E-mail to XXXX XXXXXXXX XXXX, XXXX ( XXXX ). In the message I notified them that I am disputing a claimed debt and demand verification of the claimed debt, and that other than verifying this claimed debt, they do not contact me further about this debt. On XX/XX/2018 and XX/XX/2018, XXXX sent me two collection letters that did not contain the demanded debt verification, notification of the debt collector 's further efforts are being terminated, or notification the collector or creditor intends or may intend to invoke a specified remedy, in violation of FDCPA 805 ( c ).
I have requested corrections to my personal information with this bureau twice, each time they refuse to correct it and send me an inadequate response in an effort to avoid correcting the information. I see this as a direct violation of my rights under the Fair Credit Act. See attached information below.