WillisBack/dataset-financial-user-claim huggingface dataset:
I attended the XXXX XXXX school located at XXXX XXXX XXXX, XXXX, PA XXXX. To attend this for profit school I had to take out private loans. Theses loans were at extremely high interest rates because I was a young adult with no established credit history. Some of the loans interest rates were as high as 13 %. I am not asking to have all of the loans forgiven. I am just asking for some reprieve on the increase in the loans due to the insane interest rate over the years. I last attended and completed this school in 2006 and I have been dealing with the pain of making payments on a loan that will never go away because of the high interest rates.
Citibank credit card MasterCard charge d me penalty interest rate for the period  XXXX    XXXX   to present. This was apparently because the minimum payment was late. The interest penalty rate was 30.00 %. Additionally late fee was charged. This penalty rate continued indefinitely despite all payments since   XXXX    XXXX  being on time. There was no intimations or notice of account being charged penalty rate.
XX/XX/XXXX re : Wells Fargo Merchant Busn CHECKING I believe I have been a victim of a predatory practice by Wells Fargo Bank. My branch is in XXXX XXXX, NJ. I had 6 accts with this bank. I am focusing on a business account with linked checking and savings accounts. When I opened this account, I was told the checking account required a minimum balance of {$1500.00} to avoid monthly charges. After 3 months I complained that I had received {$14.00} per month bank charges for 2 months [ XX/XX/XXXX and XX/XX/XXXX ] and was given the explanation that my account actually required a {$7500.00} minimum balance. The 2 months of charges were reversed with an agreement to change the account to one requiring a {$500.00} minimum balance. <P/>However, despite reversing the two $ XXXX/month bank charges on XX/XX/XXXX, the bank deducted an additional $ XXXX/month bank charge only 8 days later. The bank continued deducting $ XXXX/month bank  charge for the 6 additional months, for total of 7 months charges of {$98.00} - which have not been reversed. When I called my bank officer, I was told I had to come into the bank to make the change to the one requiring a {$500.00} minimum balance something I had assumed had already been done by telephone. <P/>With this explanation, I did come into the bank and was told the Wells Fargo computer program would only allow 3 of the 7 months ' charges reversed. [ Limiting the bank charge reversal to 3 months is entirely arbitrary by Wells Fargo. ] Furthermore, I have not had even the promised 3 of 7 months ' charges reversed. I have closed 2 other linked accounts and expect to close all of my accounts with this bank. <P/>I am taking my branch manager at her word. She assures me that her bank officer did tell me that I had to come in to the bank to change the account to one requiring a {$500.00} minimum balance. although I do not recall the information that I was to come into the bank to make the change - which she said I was initially given this instruction in XX/XX/XXXX. I view both the branch manager and the bank officer as sincere although I do not recall this instruction in XX/XX/XXXX. <P/>However, my complaint is with Wells Fargos corporate culture. My branch manager explained that the banks program does not allow her go back to refund the 7 months charges of {$98.00}. Although I take her at her word, I find this unacceptable. Surely, Wells Fargo would be able to go back several months if a customer owed the bank money. So why does Wells Fargos program deny the customer an analogous cure. I am, therefore, filing a complaint with the Consumer Financial Protection Bureau about Wells Fargos predatory practice not a complaint about my local branch but a complaint with the Wells Fargo corporation
EXPERIAN FAILED TO UPDATE XXXX LOAN NO.XXXX, THIS ACCOUNT WAS DISCHARGED ON XX/XX/XXXX UPDATE TRADELINE AS A DEBT CANCELLATION OF XXXX. PAID CLOSED CANCELLED. 

ALSO, XXXX XXXX XXXX NO.XXXX WAS REPORTING PAYING AS AGREED NEVER LATE PRIOR TO THE BANKRUPTCY OF XXXX. 

RE-INSERT XXXX XXXXXXXX XXXX NO.XXXX. PAID IN FULL VER LATE AND CLOSED. 

LASTLY, XXXX XXXX XXXX IN AN INVALID TRADE OF XXXX 
UPDATE STATUS PAID IN FULL, CLOSED/TRASFERRED TO XXXX. XXXX IS NAMMED IN BANKRUPTCY XXXX AND DISCHARGED XX/XX/. 

DELETE ALL HARD INQUIRIES FOR THEY ARE INCLUDED IN BANKRUPTCY.
This account was removed and proven to not be mine in XX/XX/XXXX and it all of a sudden re-appeared XX/XX/XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. When I asked for validation AGAIN in XX/XX/XXXX, all I received was bills with an address I never lived at, no signatures or  anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.
I contacted RP funding in XXXX to compare their rates with many others. I let them know that we were shopping for rates and considering a 15 or 30 year term with or without cash out, based on what the appraisal came in at. After a few days XXXX reached out to me to offer RP Funding 's rates on the scenarios I mentioned. Since their rates were higher than XXXX, I asked about their Best rate guarantee and forwarded them the quote I had received. XXXX said he would send it over and get back to me. He quickly switched from emails to phone calls to let me know that they were unable to match the rates I was quoted from XXXX XXXX and I was eligible for the {$1000.00}. I asked what I had to do for the {$1000.00}, and XXXX told me that if I indeed closed with this company I would be eligible for the {$1000.00}, they would need the disclosures and he would send me the forms I needed. I emailed XXXX the disclosures and continued to ask for the forms, and anything else that I would need to follow proper procedures. I continued to keep XXXX updated as to our upcoming closing and even continued to ask RP Funding to beat the rate and earn my business. RP funding intentionally left out information that would have helped us and never referred us to or sent us any fine print until 4 weeks after being told we qualified. After closing and submitting the items requested, the company immediately started looking for a reason to disqualify us, first they incorrectly read the date and tried to say we locked our rate a month after contacting them, then they tried to say that we had submitted a quote from a different company which was simply the broker and the bank. It had taken almost a month before XXXX sent me the form and never did I expect we had anything to worry about. He was always very nice and friendly, he even referred to it as my {$1000.00} when he finally sent the list of documents I needed to include. My husband has worked in the financial industry and we were cautious about how we handled things, but this company never intended for us to be able to collect. The general public should be aware that this is just a sceme to collect information about competitors and then make it impossible for the customers to be treated fairly. The company stopped responding to me when I offered to provide any additional information that they might need and finally told me to just be thankful I got a good rate elsewhere.
I contacted Equifax on XXXX XXXX, 2017 regarding an expired account ( XXXX XXXX XXXX ) still being reported on my Equifax Credit Report. I asked when the account was scheduled to fall off my report. The customer service agent reported that XXXX XXXX XXXX reported the account on XXXX XXXX, 2017 and that it would come off my report in 10 years. All of this information is incorrect but I was not able to convince this person otherwise. He instead insisted that I sign up for monthly credit monitoring through Equifax. This service must be paid for. Reference Confirmation # XXXX.
I recieved a letter from XXXX XXXX XXXX, XXXX  Attorneys at law claiming that they are collecting for XXXX XXXX reguarding XXXX credit card. I am disputing this collection because this account was already under dispute with XXXX.
My Wells Fargo credit card was closed on early this year because I was not making my payments on time. I contacted Wells Fargo through letters stating that I was going through a financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with Wells Fargo since XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.
I purchased a mattress from XXXX and financed it using XXXX XXXX. XXXX became XXXX XXXX and can no longer access my original documents. My purchase was suppose to be a fixed rate 5 year term. However, I received multiple defective products and eventually upgraded my purchase to a better mattress. Essentially there were two purchase dates however it should have fallen under 1 promotion. XXXX improperly booked the return and submitted my orders as multiple purchases with differing promotions. Some of the promotions expired and fees and interest were realized. I have made over 20 calls to XXXX XXXX and synchrony to resolve this issue and I keep getting he run around with each company blaming the other for issue. I have been trying to resolve this issue for over a year and have spent countless hours on the phone. I finally had a supervisor at XXXX XXXX advise me how to resolve the issue and when I did as she was instructed and called back and was informed by another supervisor that she improperly instructed me and I had to undergo a whole other process. This was just one example of the many blame games they have been playing. Purchase details below : {$1700.00} initial charge XX/XX/2015 {$3700.00} second charge XX/XX/2015 {$1900.00} in interest charges The initial purchase was for a defective mattress which was returned and then we upgraded. We were assured that the upgrade would fall under a 5 year fixed payoff. However XXXX booked this as two separate transactions instead of a return and a single mattress purchase. 

I have had multiple purchases with synchrony over the years and have always been timely with all payments.
Equifax has ignored my desire to correspond and get details on how they continually verify XXXX liens in the public records section of my file. Initially they somehow kept verifying these liens as mine at my current address, which is not accurate. And now they are claiming that the liens are mine, only at another address, where I do not even live ... They are only communicating through this portal and not answering any of my letters where i am asking them to properly investigate this and see that that my mother lives at that other address and we have the same name. They ignore me! I have spent so much money at my local XXXX post office sending endless letters via certified mail with XXXX requested back and yet they keep sending me the same ridiculous response which makes no sense. XXXX and XXXX have removed these inaccurately placed liens on my files with them, what is Equifax seeing that they have not seen? I think that they are doing illegal verifications so they do not accept responsibility for their inaccurate reporting. Equifax takes advantage of its consumers and i will hire an attorney if these liens are not removed from my name.
I have been a victim of Identity Theft since XX/XX/XXXX. I have since accrued numerous unauthorized inquiries ( mostly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have disputed the inquiries with TransUnion as well as the creditors ( XX/XX/XXXX-XX/XX/XXXX ), to no avail. I was advised to leave a Fraud Freeze on my credit report to ensure no more inquiries were accrued. Unauthorized inquiries continue to accrue and the credit bureau refuses to acknowledge or remove them. They are gravely impacting my credit score and I am begging for relief by them being removed. I am listing the unauthorized inquiries below. There are 15 total. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
I received an unsolicited hard inquiries to my XXXX credit report. I communicated with the company, explaining that I did not solicit said reports. Instead it was my brother, XXXX XXXX XXXX, who at the time was refinancing his credit options. Still, because my father 's home address was listed as one of my previous addresses, my credit was inquired for, along with my sibling 's. 

I had then erased my father 's home address from my credit report and am surprised to still find the unsolicited hard inquiries degrading my credit score. 

I have done no business with the following company, nor do I intend to, and am disappointed to still find their data in my credit reports. 

XX/XX/2017 XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I should not be held accountable for any other persons credit actions, save for my own. I request the information to be erased from my credit report.
I never applied for credit at XXXX XXXX XXXX XXXX. I am seeing an inquiry on my credit report as well got some deny letter on XX/XX/2018. I called Immediately and spoke to XXXX XXXX from XXXX XXXX XXXX XXXX. He advised that he would have it removed. 
As of today I still see the inquiry on my credit report. I need this off asap.
I have notified Equifax on many different occasions that the following addresses do not or never belonged to me. I would like these addresses removed from my credit file. Since they was a result of identity theft. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT.
I have encountered daily overdraft fees ( {$38.00} each time ) from M & T Bank. Additionally, they tack on another {$38.00} for every five days that the account is in the red. This makes it impossible to get the account into the black. On XX/XX/2018, I requested that the bank waive the fees for the prior two-week period in an effort to resolve the issue. I explained that my dog had recently had a {$700.00} surgery which left me with little in the way of money for that pay period. When I was paid on XX/XX/XXXX, the account remained in the negative due to their exorbitant overdraft fees. I received a response from the bank indicating that they would not waive any of the fees as I had requested they waive some in the past. They made no effort to provide any semblance of customer service and their fees are costing me hundreds of dollars that I don't have.
Some company continuously calls my house phone, cell phone, and other family member 's home phones who do not live with me. They leave messages as I never pick up, and today they said they are going to review my assets, and listed my current vehicle and a vehicle I no longer own as what they will be reviewing. They also mentioned something about rent or where I live, and I 'm really annoyed as I do not know what the debt even is. They called today around XXXX EST, left that message and said I have 24 hours to respond, which I did not do, and do n't plan on doing. They called me MONTHS ago, but threatened to have me arrested if I did n't comply. I spoke with them back then, and they would n't give any information ; they sent me a botched looking email when I demanded physical paperwork for the debt. 

They also are calling from a different number currently ; right now, it 's XXXX, before, it was an area code from a different state, far XXXX.
Hello, this is in regards to : XXXX XXXX XXXX / XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and the careless, biased, negligent and possibly criminal way in which he handled my file and put a lien on my house and his incompetent assistant named XXXX XXXX. In a 90 day period, they put my through XXXX, charged illegal fines and fees including an appraisal which was not needed and charged XXXX and they were reckless and careless with my personal information. I would like a full investigation for a file for me XXXX XXXX regarding a purchase Refi.
XXXX,XXXXXXXX I contacted Coast Professionals about my student loans that are currently in collections. I spoke with XXXX XXXX and explained that I plan to file bankruptcy XX/XX/2018 however, my student loans would not be included. I asked what my options were at this time to which we discussed loan rehabilitation. I questioned if I needed to wait until after my bankruptcy but I was told it would be best to start the process now. So I paid {$5.00} to get started and called back at XXXXXXXX and spoke with XXXX to fill out the forms and fax them over with my financial information. I was told I also would need to call in today, XX/XX/2018, to make another payment by doing so I would be 2 months already into the program. I called today, XX/XX/2018 at XXXXXXXX and spoke with a woman to make the {$5.00} payment. After I made the payment and asked questions about the status of consolidated loans and individual loans, the woman explained to me that when I fail bankruptcy all the collection activity would stop. I asked her I I had to instead call in to make a payment and she told me that I could not do that while in bankruptcy which would mean I would fail the loan rehabilitation program and would not be able to reapply. I explained to her that I explained my intentions and bankruptcy XX/XX/2018 so why would they tell me it was best to do everything knowing I would fail. Very misleading and dishonest behavior when someone is attempting to fix their financial situation.
I sent the 3 credit reporting agencies ( XXXX, Equifax XXXX ) 4 letters disputing the items below on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I want to see Verifiable Proof ( an original Consumer Contract with my  Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Hospital acct # XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX act # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  and Equifax has repeatedly ignored my 4 letters sent XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating that the items are verified by the company who paid them. Of course the company who paid them to put items on my credit will say they are mines. Who are these people? Where is the proof? The credit reporting agency must abide by the federal law, and delete these items from my report. With the data breeches the credit reporting agencies have had, I do not trust anything they say.
I XXXX XXXX applied for a mortgage on or about XX/XX/XXXX. 
I applied for a mortgage amount approximately of {$500000.00}. 
I filled out a XXXX form and supplied all necessary documentation along with signing aXXXX form so the bank who originated this no income check subprime mortgage to verifyI can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX 's directly from the IRS to verify my actual income and stated what it was instead. The current mortgage with Wells Fargo Home Mortgage loan # XXXX and also with XXXX XXXX XXXX # XXXX on my Owner Occupied Property : XXXX XXXX XXXX , XXXX XXXX, NY XXXX, my S.S. # is XXXX D.O.B. XX/XX/XXXX. Wells Fargo Home Mortgage and XXXX XXXX are committing the following Fraudulent and Federal Law violations:1. LACK OF STANDING TO FORECLOSE ; ATTEMPTED ON OR ABOUT XX/XX/XXXX2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.
I Called the company listed below and inquired about information placed on my credit report {$31000.00} in 2006 and the representative asked for my personal information. Name, social security #, address, etc ... she stated that she did not have any information on me in their files or system, I then asked her that if i 'm not in your system then how and why is this debt on my credit report she could not give me an explanation, I then asked for the debt to be removed /deleted and she refused stating that i need to send a copy of my credit report, so i told her that i would file a complaint to get this issue resolved. 

the company is : OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
I sent a list of disputes, mailed out on XXXX XXXX, 2015, and have not received a response
On XXXX XXXX I first contacted LoanCareXXXX to request that they take the funds from my escrow account and pay the property taxes in the amount of {$3200.00} immediately. We were in the process of refinancing our mortgage and needed proof that the taxes had been paid. I was told to submit a written request and also to fax the request to their tax department. After hearing nothing for over a week - I called and spoke to a " customer service '' representative who told me to submit everything again since the first contact I had with this company had given me incorrect fax number. I repeated the process on XXXX/XXXX/16. That same day I received a computer generated reply that assigned me a ticket number and which said I should wait five days for a thorough review and research of my inquiry. Again, I heard NOTHING so I called LoanCare and was told on XXXX XXXX, 2016 that a check # XXXX had been sent to XXXX County Tax Department on XXXX XXXX, 2016. After checking both online and by phone I learned that the check had never been received. That same day I sent another written request to LoanCare asking what had happened to the payment. I also called, but no one was able to offer me any explanation. I was told to wait a few days for the tax department to process my payment. On XXXX XXXX - over a month after I started this process - taxes still UNPAID! Ironically, I mailed the XXXX County tax department a check for taxes due on another property we own on XXXX XXXX, 2016 and my personal payment was already posted on XXXX XXXX. I again wrote to LoanCare and requested that someone contact me by the end of business day and told them if I heard nothing I would attempt to file a complaint. Obviously - this matter has yet to be resolved and no one bothered to contact me. I am aware that mortgage lenders keep escrow funds and earn interest on them and wait to the penalty date before paying property taxes. In a situation like this - after numerous requests and dubious information - I am asking for help to resolve this matter. I have found LoanCare to be completely uncooperative and I am extremely relieved to be done with them as my mortgage holder. Our refinance was completed XXXX XXXX, but I still need to resolve WHERE my {$3200.00} escrow money is. On LoanCare 's website it shows that it was removed from my escrow account leaving a balance in the account of {$590.00}. That is what the new mortgage lender also stated and I was told that this money would be mailed to me. Thank you for any help you can provide resolving this matter. XXXX XXXX XXXX XXXX # XXXX