WillisBack/dataset-financial-user-claim huggingface dataset:
I filed XXXX/XXXX/2016 complaint # XXXX and i want to place the second false/fraud/lies on what took place by wellsfargo bank personnel claims/fraud dept. and will attach proof of statements. XXXX thing must be clear wellsfargo deleted all of these item but thank XXXX i was able to print some of them. 
1- XXXX XXXX transfer on account XXXX that was closed on XXXX/XXXX/2016 you have proof from the letter dated XXXX/XXXX/2016 by credit card XXXX that I attached yesterday. 
2-I was able to print on XXXX/XXXX/XXXX statement that showed the over the limit amount created by wells fargo bank as cash advanced of {$4900.00} and XXXX on an account ending on XXXX that was closed on XXXX/XXXX/2016 that created additional cash advance fee 's as well. 
now if you look at the statement how do they allowed this to take place when the statement shows a total credit limit of {$18000.00} and last statement balance XXXX/XXXX/2016 of XXXX and sixty days ahead I was glad I was able to print at least the front page on XXXX/XXXX/2016 and when I whent to get more paper to print the rest of the XXXX pages and came back and wells fargo had deleted all of the rest of the pages. 
3- on XXXX/XXXX/2016 I was able to print another front page on the ending account XXXX and in it the charges and cash advances increase outstanding balance to {$22000.00} and over the limit due of {$3400.00} last statement date XX/XX/XXXX2016.and I tried to print the XXXX pages and it would not allow me I called the bank to check and wellsfargo again deleted all the pages and they were not able to pull them up. 
XXXX On XXXX/XXXX/2016 I look again and I found XXXX pages on account XXXX that was created without my authorization or request and it shows a credit limit of {$18000.00} and a outstanding balance of {$6200.00} I again tried to print the XXXX pages and again wellsfargo had deleted all pages but was able to at least print the front page and on that XXXX there were XXXX cash advances and fee 's look at the dates of these transactions XXXX see original message there was stolen/false/fraud from XXXX and it still being investigated to date nothing has happen. they even suggested to contact XXXX executive office. 
1- XXXX XXXX XXXX XXXX 2- XXXX XXXX XXXX XXXX XXXX 3- XXXX XXXX -vice president XXXX XXXX ALL HAVE BEEN CONTACTED INCLUDING XXXX XXXX YOU HAVE ALL THE OTHER COPIES I HAVE ATTACH ON PREVIOUS COMPLAINT AS YOU CAN SEE ALL THE WELLSFARGO BANK SCAM AND LIES AND PROOF. I HAVE FAXED OVER TO XXXX credit exec office OVER XXXX PAGES AND TO XXXX OVER XXXX PAGES IN ADDITION I HAVE CONTACTED OVER XXXX PERSONS. AS WELL AND THE TOOK THE ACCOUNT AND TRANSFERE IT BACK TO XXXX AND HE WAS THE XXXX THAT STATED THAT I CAN CONTINUE TO MAKE PAYMENTS AND WILL GET THEM BACK AND SHOULD NOT AFFECT MY CREDIT AND IT HAS AFFECTED MY CREDIT. IT HAS BEEN 75 DAYS AND WELLS FARGO NO ONE HAS DONE NOTHING SPECIALLY XXXX XXXX XXXX SR.VICE PRESIDEN OF CREDIT CARD FRAUD CLAIMS DEPT. I HAVE ATTACHED THENAMES AND PHONE # S OF OVER XXXX PERSONS i HAVE TALKED TO ONES THAT I HAD FAXED OVER XXXX PAGES.
Navient has repeatedly failed to communicate with me and claims to have sent emails that were never received, either to my online account on their website, or to my personal email address. The also failed to specify the terms of a hold placed on my account, resulting in " past-due '' payments that should not be considered so. I have been told that, despite their mistakes, they can not remove the past-due statuses on my account. 

This follows several phone calls in which I was given incorrect information about the documentation that needed to be provided, which pushed setting up my payment plan very far back when this process should have been completed in XX/XX/XXXX. This is looking like very predatory business practices in order to report fabricated delinquent payments to result in fees to Navient as well as negatively impacting my credit.
I have a mortgage with Wells Fargo for a property in  XXXX . My employer posted me to  XXXX  and I no longer have  a US mobil e phone number. Wells Fargo online does not allow me to log into the system to service my mortgage without receiving a code t o a US mobi le phone number as part of th eir two factor authentication procedure. As a result I can not service my mortgage online even with current log in   credentials. I spoke with Wells Fargo twice regarding this issue and asked  if the two factor au thentication can be done via my registered email address or a  XXXX  mobile number that can receive text messages. This is similar to ot her US financial i nstitutions. There does not seem to be a solution Wells Fargo is able to offer me.
In XXXX XXXX and I got a payday loan for a {$100.00} but I lost my job and I could pay back the loan. Last year in XXXX XXXX I got a call from my brother that his wife got a call asking for me that I needed to get in contact which I did. It was a collector calling to collect bui did n't have the money so I agreed on a payment plan of {$150.00} two payments. I Gave the first payment but could n't afford to pay the second payment a month later I got a call to settle for {$69.00} and I did n't and was suppose to receive paper work but didnt. And then yesterday I got a call from my brother telling me that a private investigator looking for me and just when he was about to hang up they told him that there was a warrant for my arrest for 2 counts of felony fraud. He never gave me a name but he provided me with the number and I called right away and got a recording for private investigator XXXX XXXX and I left a voicemail. I called today XXXX XXXX, XXXX in the morning and got a recording for a private investigator XXXX and left another voicemail. 10 minutes later I get a call back from private investigator XXXX returning the call from the message that I left. She was informing me that she was calling on behalf of Ezmoney payday loans and that they filed 2 counts of fraud and that at 1 warrants where going out for my arrest and that I needed to a total amount of {$1300.00} through a XXXX before XXXX today so that it could be settled and the warrant could be dropped or else police officers would pick me up where ever I was and take me to jail and I would have to go in front of a judge and get 120 days in jail and gett a fine of {$3500.00} and that 's including court fees. I informed her that I didnt have that kind of money and I wanted to know what I could do considering that I never received a letter or any notice and also because I am a single mother of XXXX. And all she could say that I needed to play that amount and make arrangements for my kids because I was going to get picked up and hung up. My concern is that I asked her how she got my brothers number and she told me that I had him down as an emergency contact but I informed her that before I even spoke toy brother yesterday I did n't have his number because my number lives out of state and that I had to leave a voicemail for two different people only to get a call back from a third person if I was calling the same number. But what alarmed me is that she was asking me for a money order for an amount over {$1000.00} in a XXXX. I know I spoke to my father and he said he did hear of some scam. I did n't send any money but my concern is that she told me I was going to get arrest today by XXXX since I told her that I was going to send that money since its money I do n't have.
I have a loan with flag star they will not pay my taxes. I have called several times with no answer to questions.
I need help regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX:XXXX  ) XXXX XXXX ( XXXX : XXXX ) XXXX XXXX BANK ( XXXX ) XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX ) XXXX XXXX ( Equifax : XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX ) XXXX ( XXXX : < ) XXXX XXXX ( XXXX  : XXXX )
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX, account number XXXX ; 3. ) XXXX, account number XXXX 4. ) XXXX, account number XXXX 5. ) XXXX XXXX, account number XXXX 6. ) XXXX XXXX XXXX XXXX XXXX, account number XXXX ; 7. ) XXXX  XXXX, account number XXXX ; 8. ) XXXX XXXX XXXX, account number XXXX ; 9. ) XXXX, account number XXXX ; 10. ) Bankruptcy, case number XXXX ; 11. ) Bankruptcy, case number XXXX ; 12. ) Bankruptcy, case number XXXX ; 13. ) Bankruptcy, case number XXXX 14. ) Federal Tax Lien, {$170000.00} Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX , NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They keep reporting this on my report but they say its no longer theirs I would like it removed.
The medical company Central Financial Control refused to communicate to me why I have a medical claim on my credit report. I have attempt to call to rectify this matter and clear it from my credit report by to no response from them. I want this off my credit report.
While coming into this location today I entered trying to pick up a XXXX XXXX. The representative was immediately rude " XXXX '' I believe was her name. She told me I needed two forms of ID in which I informed her I was just at that location and helped two days ago by the representative sitting right next to her. She immediately started to have an attitude putting her hands up as if to tell me to XXXX XXXX then literally telling me it doesn't take all that. I told her she was being rude and she continued a banter back and forth which led to a full argument. She began to tell me that she was going to look into the records to find out where I lived. As I left I told her she was rude and that she walked in the store through the door like everyone else to emphasize we are all human beings and she then to go back and forth calling me a " XXXX  '' word repeatedly and saying she was going to find out where I lived. I perceived that as an immediate threat and breach of consumer records and I told them I was calling the police which I did. The manager did nothing to tell the worker to stop cursing me out and threatening me and she then told me to leave the store even as her employee was cursing me out in which she sounded as if she was on drugs or drunk. I found this even more frustrating as I called the customer service line and had the operators bounce me around to random voicemails and claimed no supervisors or managers were available. I have never been spoken to in such a way. I informed the manager that I would be reaching out to have the corporate offices pull the audio and video. When I asked the manager if the cameras also record audio the manager refused to answer the question and allowed the worker to continue to rant at me and call me a " XXXX ''. I can not believe I had my life threatened and a worker flat out say in front of her manager that she was going to go into the records to find out where I lived.
Per case # XXXX, Ocwen sent old false paper work to justify their reason for raising the final pay-out of my loan after they were contacted by XXXX XXXX XXXX. Payment went from XXXX to XXXX. Ocwen was the 2nd Mortg. but they wanted the Insurance to be in their name. each year Ocwen would charge a higher insurance rate in-order to increase the penalty to my account, # XXXX
XXXX XXXX XXXX has within the past two weeks contacted by brother, sister, brother in-laws, mom, ex husband, former employer and an old roommate. After my brother was contacted I called the number given to him and asked for clarification of debt or something in writing. The guy told me I was refusing to pay by asking that and wanted a debit card number for payment. I refused, he also stated to my brother in-law that it sounded like he didn't have a job and he could fill out a loan application. 
This harassment has caused extreme problems in my life and the constant phone calls to my family, ex family, ex employer and ex roommate are beyond extreme. 
I asked the gentleman that answered when I called how he got my brothers information and he said he looked up all of my contacts. My brother in-law was also told that I used him as a reference which I would never do because I can't stand him. They are asking for {$940.00} for a XX/XX/2016 debt that I don't recall having with checkngo. I had a previous loan with the company that was paid in full. These people are extremely rude, aggressive and vague on every conversation they have had.
I recently went through a very bad divorce that devastated me emotionally and financially. Due to the liquidation of assets and monies paid through the process I began struggling to keep up with my mortgage payment and ended up defaulting. I am contacting your organization because my lender SLS has refused to open an inquiry into my situation and has failed to provide me with any information that would allow any sort of reconciliation process to begin. 

I bought my property in XXXX and refinanced in XXXX into a very bad adjustable rate loan with a rate that starts at 6.97 % and can only adjust up that had a two year prepayment penalty. I have been told that these type of loans are no longer allowed because they are not " qualified mortgages '' and they are predatory and the lender issuing them is potentially liable. Even though I have this loan with a high interest rate and increasing payment I have paid as agreed on this loan for nearly 10 years. As I mentioned I went through a painful divorce which hit me hard, affecting my income and my ability to pay my bills. I had no option to refinance due to depreciation of the property and ended up falling behind on the loan. 

I reached out to SLS at that time in order to try and get reviewed for in house and government programs that would give me the opportunity to get back on track with the mortgage. I spoke with agents at SLS and was told that they would be willing to help me and that the forms I needed to fill out and complete would be sent to me. After several weeks went by, I reached out again to try and get these forms sent but still could make no progress. As I got back onto my feet financially I reached out and attempted to make my regular monthly mortgage payment but was told that SLS would not accept anything other than the full amount past due. 

Since that time I have been trying to get a conversation or process started with SLS that would allow me to get my rate and payment lowered and get into a more stable loan that does not constantly increase. However, I have been stonewalled and obstructed by the SLS staff and have not even had a review opened ( to my knowledge ). I am gainfully employed as a XXXX, and my live in girlfriend works as well and contributes financially. I believe that if SLS were to actually review my information they would see that I qualify for the retention programs that were funded by the government -- but the problem is I ca n't get their attention onto my case. 

I realize that this is my fault and that I am behind on the loan, but I am not in a position to repay all of the late payments in one payment, which is the only option SLS has given me. I believe there are other options available, unfortunately SLS has not even given me access to these options and that is why I am filing this complaint.
My chase saphire card has been compromised and there is delay in receiving the card when I inquired about them they put me through secuirty team after a wait of 60 mins and spoke to a security team manager named XXXX ''. I complained to him that his previous agent did n't handle the call well and I was wondering about the new card but he does n't seems to be caring about my complaint and did n't offer any good will gesture. My card arrived next day and I could n't activate the card when I called them again they put to the security team again after 30 mins wait time. Unfortunately I again need to speak with XXXX '' and said that my card got compromised again which is unbelievable. When I pressed for more answers I did n't get any convincing answers. Could somebody investigate why my account got compromised twice and second time I did n't even got my card. 

I almost wasted 3 to 4 hours on phone to deal with this issue. It should have just 5 to 10 mins I need some compensation for my time.
I filed a Demand for Arbitration with the XXXX XXXX XXXX in a matter with Netspend. Netspend’s cardholder agreement requires arbitration in matters of disputes. Netspend has failed to pay the required arbitration costs so that the case can proceed. Failure to pay these fees are a breech in the arbitration agreement.The XXXX XXXX XXXX case number for the matter XXXX vs Netspend is XXXX
There want be anymore investigations or disputes in this matter, the fraudulent negative accounts as seen on my credit reports still today [ XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX ] are now involved in litigation and will be handled in federal court. Thank you and have a great day.
For over a year now, I have worked diligently and relentlessly ( with Wells Fargo Home Mortgage ( WFHM ) ) to purchase an estate property ( via short sale ; the owner had a reverse mortgage ) - all to no avail. WFHM 's procrastination and misdealings ( conveniently for them ) caused several appraisals to expire ( the first of which I submitted, in a timely manner, all of the requested documents and a deposit/earnest money ), only to have WFHM do XXXX additional appraisals ( with significant price increases - specifically, WFHM 's last appraisal is $ XXXX higher than their initial appraisal ). To make matters worse, WFHM did not send my initial dispute ( appraisal ) to HUD ; and ( although WFHM said I could submit the outside appraisals and market analysis/comparable report ), WFHM is not really considering the XXXX outside appraisals and the comparable report submitted ( for the disputes ). I have reached out to several WFHM employees ( from Home Preservation Specialists to the CEO ) and continue to get the runaround and/or conflicting info. I have done everything requested ( by WFHM ) ; now, time is long overdue for WFHM to conduct themselves ethically, efficiently, and professionally ( to process the short sale ). In the interim, while this longstanding snafu is being " worked '', I am very concerned that the property will be foreclosed on XXXX XXXX XXXX.
NAVIENT continues to call several times a day from blocked numbers and various numbers around the country. I have made payment atangents with them and they still continue to call. They 've now started sending me letters advising they 'll take legal action and garnish my wages along with my property.
On or about XX/XX/XXXX, PNC stated that it had declined my loan modification because I had had 4 loan modifications in the past and that number is for the life of the loan I am therefore never again eligible for a loan modification again per PNC. 

PNC has FAILED to provide through CFPB 4 ( FOUR ) loan  MODIFICATION AGREEMENTS signed by me since the INCEPTION OF THE LOAN on or about XX/XX/XXXX. 

PNC FAILED to attach any policy which supports its decision not approve my loan modification per policy. I HAVE ASKED FOR COPIES OF POLICIES ON MULTIPLE OCCASIONS. POLICY SHOULD BE MADE AVAILABLE FROM AT LEAST XX/XX/XXXX, THE MONTH I INITIALLY APPLIED FOR THE LOAN MODIFICATION.
I have no recollection of this collection. UNITED REVENUE CORP. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.
XXXX/XXXX/XXXX my cell was spammed as I rec 'd nonstop texts/emails. XXXX I began to receive nonstop robocalls as well as texts, emails & voicemails. XXXX advised me to use my phone in airplane mode and wifi. I could not use my phone via cell tower until XXXX when, for some reason, the spamming stopped. XXXX a thief using a fake unauthorized debit card in XXXX withdrew {$3000.00} from XXXX of my bank accts from a Chase branch ATM ( no cameras ). thief answered my " highly secure '' questions and was recognized by the Chase electronic voice to be me. I did not receive a text/email alert b/c my phone was inoperative. the XXXX withdrawal transactions were approved. thief then requested Chase transfer by phone ( XXXX ) {$2500.00} from XXXX different accounts & thief withdrew the rest of my money down to the last XXXX in a XXXX check cashing store ATM in XXXX NY. the XXXX transactions took 27 minutes. on XXXX my phone was working. I checked my accounts and immediately alerted Chase and the police to the fraudulent activity and theft of cash from my accounts. XXXX Chase rejected my claim of the {$5500.00} loss and I am appealing. combo phone spamming/debit card theft is something " Chase had never heard of ''. they are accusing me of sharing my information with someone, including my debit card, PIN and all of my secure information. I did not share any of this information. I have my authorized debit card in my possession at all times and I certainly did NOT give out my credit reports to anyone. the " highly secure '' questions are asked randomly by the bank and taken right off a person 's credit report. there have been no credit card purchases or accounts opened in my name - this crime was specifically for the theft of cash money. as of this date, XXXX XXXX, XXXX, Chase is not cooperating to reverse their conclusion that I am a thief.