WillisBack/dataset-financial-user-claim huggingface dataset:
Well Fargo Claim # - XXXX I disputed some unauthorized transactions on my card, and wells fargo denied them all. My account was compromised and someone also deposited checks into my account, I told my bank it wasn't me and all they said was well we are still closing the account. 

I think its completely bogus for a bank to allow someone to make purchases with my card information even after I had already called in someone using my card back in XX/XX/XXXX. And even worse, when a customer calls in about fraudulent activity, and the bank does NOTHING to help the customer! 

They waited a whole month to cancel that card! And now that my money is gone they are closing my account. 

Please Help
I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt. 

The details of the debt on my credit report are as follows : Account number : XXXX Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Company Name : MRS BPO Original Creditor : XXXX
FRAUD. Selene Finance is not a registered party on the property as confirmed by XXXX, XXXX XXXX  City Registry. 

In their response by XXXX XXXX on behalf of Selene Finance LP dated XX/XX/XXXX, XXXX XXXX failed to provide an explanation to : " Selene Finance is to specify their relationship and affiliation to XXXX aka XXXX as to which they referenced in their response Paragraph 3 line 2. '' This is my third request for Selene Finance to clarify their relationship to XXXX aka XXXX that XXXX XXXX made references to in her letter dated XXXX XXXX. 

Since Selene Finance failed to provide an explanation to their relations/affiliations with XXXX, I have contacted XXXX XXXX City Registry ( XXXX ) and XXXX. I was made aware that neither XXXX aka XXXX nor Selene Finance LP have registered on the property. 

This information is a PUBLIC knowledge and can be verified by XXXX, XXXX XXXX City Registry and XXXX. 

Please investigate why XXXX aka XXXX aka Selene Finance are not registered as required and are operating in a FRAUDULENT manner. 

*Note : no additional authorization is required to contact XXXX, XXXX XXXX City Registry that will provide the verification of the above
I was banking with Chase they closed my account said the bank decided to end the relationship. I had XXXX in my account they said they needed to verify the check from the original maker they said the funds would be in suspense intelligent the spoke to the person. The other bank XXXX XXXX  has paid the funds to my account it's been 15 days. at one point they said my funds were mailed on XX/XX/XXXX, that was a lie I have spoke to several people everyday and have stepped into the branch still no resolution
I previously submitted a claim : Case number : XXXX. I was not happy or satisfied with Wells Fargo 's Response. They did not address the issue, the only sent me letters explaining the way my account was set up. Never addressed the information protection violation that wells Fargo engaged in when the shared my information with others. Me and my wife have been recovering from XXXX and it was difficult to respond earlier. I would like wells Fargo to admit what they did was wrong, issue a real apology and a solution to recover and correct the financial loss we have incurred due to the sharing of our private information with others. We have been receiving phone calls, emails, as well mail, that seems to be a direct result of information sharing.
These hard inquires that were not authorized by me and need to be Immediately removed. I have contacted Transunion by phone and sent numerous disputes regarding this inquires. XXXX refuses to delete these unauthorized inquires off of my credit report. These unauthorized inquiries are keeping me from obtaining credit. My report contains credit inquiries that I never authorized. I request that the following inquiries be deleted immediately : XXXXXX/XX/XXXX, XXXXXX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
I had paid this debt and challenged debt within requirements under law and no valid confirmation of the date was made and it was not removed from my credit reports!
According to my credit report, this account, which was paid in XX/XX/XXXX, was opened in XX/XX/XXXX. It was reported as a delinquent collection on XX/XX/XXXX. I have not received any documentation from this company verifying this debt.
On  XXXX  I went through the various screens and specified, first Experian, then  XXXX , but in each case at the last screen where it said it was getting the report it said that I could n't get it online and would need to mail to an address they provided. This is misleading when it was advertised as providing an online report!
There are unknown addresses showing on my Credit report. I have a few unverified accounts from companies I have never done business with as well. Yet according to the online credit report that I received less than days ago from the agency denied credit to me,  XXXX   XXXX  credit bureau issued the report that was used to determine my credit evaluation.   Secti on 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of t he Fair Credit Reporting Act of    1970  provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions  of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate  reporting.   In addition if you cant obtain this info you are required to delete this information off of my Credit report I am looking over my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below :  1. XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  2.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX   XXXX  4. XXXX    XXXX   XXXX   XXXX  5.  XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX  7. XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  OHIO  XXXX
I checked my credit and saw a trade line for XXXX XXXX for an account that has already been staled by my insurance company and I paid my co-pay of {$75.00}. 

Confirmation number for payment to be verified is XXXX. 
Account # with XXXX XXXX : XXXX
in XXXX summer I switched to XXXX to save money. unfortunately I could n't get phone reception in my house. dropped calls unable to make calls etc. they waved the XXXX day wait for an air rave whichwhich was supposed to enhance signal but it did n't help I was force to go outside to make receive calls & retrieve voicemail. after calling XXXX & getting nowhere I finally had to choice but to switch back XXXX XXXX XX/XX/XXXX. I tried to break contract XXXX but was referred to several different people all of whom did not care that I paid {$100.00} a month for almost a year with no home service signal. I am also on XXXX fixed income & not well. they did not care. i did not receive any instructions when my number was ported back XXXX about returning air rave of phone. XXXXI paid XXXX for phone. they said that information via mail would confirm I broke contract.balance went to collections because I did n't return airrave or phone. by then I was paying XXXX for service & donated phone to a battered woman 's facility. collection agency worked with me to try to resolve but I did not have the money to pay in XXXX days & I was in dispute with XXXX regarding the disconnect & not informing me of or sending the mail back kits as they finally said we are charging you because you did n't return phone or air rave. I still had air rave & they then sent a mail back kit with NO explanation why it was not made clear about returning the equipment or mailing me the mail back kits. I 've spoken with XXXX several times. they have been very helpful as has been experience. the unpaid balance was reported XXXX XXXX XXXX. I just started working part-time XXXX XXXX XXXX. I got credit for air rave return but they wanted full price for phone & I told them that I paid {$100.00}. for it that I paid for service for XXXX year & donated phone because it was never indicated to me to return it. they said they would settle for {$200.00}. which I paid on XXXX XXXX XXXX. I had no idea that this would be on my credit report negative until XXXX. I am asking that you please try to get this off. I have to get new vehicle mine is XXXX yrs old. I have rental income part time job XXXX. I have to resolve this as its affecting my credit. thank you sincerely XXXX
My debit card was lost recently. I am a waitress, which means my only source of income is cash. Without my debit card I have no way of depositing this cash into my account to maintain my balance. In the past few days while waiting for my replacement card, I have had a few automatic payments taken out of my account which have sent my account into overdraft. Because of this I now have {$200.00} in overdraft fees. {$200.00} is over half of what I make in a week, which means I am now unable to pay my rent and some bills. I have spoken to a wells fargo agent over the phone and they said they were unable to waive the fees because they were valid.
I have a XXXX card that was serviced by XXXX XXXX it was charged off XX/XX/XXXX. I have disputed this numerous times with all three credit bureaus and XXXX XXXX. The payment history is not accuracy. It shows no data until the charge off on XX/XX/XXXX then shows current on XX/XX/XXXX and XX/XX/XXXX. Then no data after that. This whole account needs to be deleted from credit reports due to none of my on time payments being posted. Also does not have exact charge off date.
I was first contacted by XXXX XXXX with UCRB ( telephone number ( XXXX ) XXXX ) on XX/XX/XXXX claiming that he was with a firm and that I had been listed as a defendant in a complaint by a client of their office. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. I asked for validation of the debt in writing and XXXX XXXX said he would get a letter sent out. I continued to receive calls from XXXX XXXX XXXX and each time I informed him that I had not received a validation and that I would rather not discuss the alleged debt until I had confirmed the legitimacy of this claim. As of today, XX/XX/XXXX, I have yet to receive the validation of debt I had repeatedly requested. I spoke with XXXX XXXX XXXX again today in response to a voicemail he left me prior. I was informed that today was the end of my 30 days, though I was not aware that we had a timeframe, and that my wages would be garnished or I would have 30-90 days to pay depending on the judgement. I searched public records and have contacted the county I had previously resided in and the county I reside in now and both counties confirm that no paperwork has been filed for a case.
I have been informed that negative information was reporting on my credit report by a collection agency with the name of XXXX  XXXX. I contacted this company by certified mail twice to get validation of debt amount owed. this company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the XXXX that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since, this company states I owe XXXX $ but I will not pay this collection agency any type of my money without sufficient validation. I have asked this company twice to validate this debt bearing my signature or to show some type of contract I have between this company & I. It is by law by the FCRA THAT I CAN REQUEST VALIDATION AND IT MUST BE SENT TO ME. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. This company only marked my account disputed on my credit report but have failed to send me any documents of what I am asking for. 
I have the right to demand to see a signed contract between, e and XXXX XXXX. If this company is hired by a 3rd party company then I request validation and NOT verification of the debt meaning a signed contract from the original company and not a itemized or generic bill. a bill is considered proof of debt, not validation.
Account was active then it disappeared I'm now being blocked from accessing my account won't even allow me to change my password
I have tried for 3 days to freeze my credit reports at Transunion unsuccessfully. I was able to freeze my credit with XXXX and XXXX without any issues, but am unable to do so with Transunion. I would have called them, but there is no number provided to reach them.
I send XXXX dollars to buy a phone of a buy sell app called XXXX and as soon as I send the money I was blocked the person I send it to name was XXXX XXXX well that is what he said his email was XXXX he send pictures of the phone he wanted have up front and the other when I receive the phone he was supposed to mail after he got he the money today but have not heard from him since he has totally blocked me want answer please help
On XX/XX/2018, CFPB provided me with response from PayPal Credit to my complaint about unwanted credit line. In the response, PayPal Credit indicates the line of credit remains open. Since I've earlier closed my PayPal account, I have no access to this credit line and have no way to close it via the website. When called on the phone, PayPal Credit requires the credit line account number that, again, I can not get from my closed PayPal account.
I originally had an issue back in XXXX 2017. I had to file a better business bureau complaint which ca n't be pulled up since time frame has passed. It has been fine but now once again same exact issue. I make my payment, I get a confirmation page saying payment went through, funds were available for them to take and they even sent an email stating your payment has been received. The following months bill says I am late and then they added a late fee. Unfortunately I am in such a financial bind that I pay on a credit card then I make my payment with them. I figured out back in XX/XX/XXXX which card it was and they never attempted to even charge my credit card. Last time I paid it and I believe they waived the late fee. They caused me to even go over my credit limit back then and yet again they are doing it to me. I even take a picture of the confirmation page stating thank you for your payment. At this point I want my account closed with a {$0.00} balance.somehow it seems to me that this company is trying to do something shady. They do n't even report to reporting agencies except if you are late or do n't pay. If I would have known it was building my credit like a XXXX account I would have never opened it to begin with and now this, they had there one free chance with me and still had to put a complaint back then with the better business bureau and was n't resolved completely and still obviously has n't. They do n't even contact you after sending email stating received payment advising that payment did n't go through or had a system issue. No contact at all. Also I would request that you earn consumers about this company as I feel they are fraudulent.
Experian started charging me for some sort of service which I never authorized : Pending Transactions Note : Debit card transaction amounts may change ( Learn More ) XX/XX/XXXX PURCHASE Experian XXXX XXXX CA XXXX $ XXXXPosted TransactionsXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XXXX Experian XXXX XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX XXXX XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX EXPERIAN SCORECARD XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXTotals {$0.00} $ XXXXUse the menu above to view account history since XX/XX/XXXX for th
I was n't sure which category this complaint would fall under. I had a debt with XXXX Hospital that I had a payment plan with and fell behind. They sent it to collections. I understand that. The collection agency called me and we negotiated back and forth about a payment plan. The next day ( today ) a hard inquiry is showing on my credit report for an installment loan with the collection agency. I did n't agree to anyone pulling my credit and I absolutely did n't agree to my " payment plan '' being an installment loan. I 'm in the middle of buying a house and I would not have had anyone pull my credit or put an installment loan on my credit. I was never advised I was going into a committed installment loan and did n't authorize my credit to be pulled.
Dear CFPB : My name is XXXX XXXX, I attended XXXX in XX/XX/XXXX-XX/XX/XXXX. Graduating in XXXX XXXX. In XX/XX/XXXX I refianced or requested a fixed intrest rate with XXXX XXXX, later Navient became that same company, for a couple of years I did not have strong income and could not repay my loans, I made smaller payments when I could and often requested a forbarence or deferment. At some point I did manage to land a job in banking industry and was able to make some consisitant payments. But unfortuantly, lack of work or under employment made it difficult for us to live and I could not afford to make my payments. The original amount of my loans at my exit interview was {$250000.00} when I consolidated with XXXX XXXX in XX/XX/XXXX it was {$35000.00} now they say I owe {$66000.00}, if I understood that is what they were going to do I would never have done it. I have XXXX, and XXXX XXXX so I have stuggled with my employement it was an achievement to just get the degree. I asked about settling this debt with them due to the fact that my husband has been working so hard, and we now might be able to due that if it was a reasonable amount, these loans are prevent us from qualifing for a home loan. I have n't worked steadly sincnce XX/XX/XXXX and even then it was only XXXX. I contacted them today XX/XX/XXXX and they refused to offer me any reasonable assistance in getting this matter handled please help.
I pulled my credit report on XX/XX/XXXX. There is an account open under " XXXX XXXX '' that does not belong to me. I have never applied for a credit card or have had any type of account at this bank. 
I did try to call the number listed on the credit report : XXXX. However, it immediately asked for my card number, and that's something I don't have access to since the card doesn't belong to me. 
It says the date opened was XX/XX/XXXX and I was XXXX at that time.
PNC Bank acquired mortgage in XXXX 2014 from XXXX. To date there have been XXXX separate errors on PNC 's part to process payments on this mortgage despite electronic transfers
I obtained a payoff amount by phone on XXXX/XXXX/XXXX @ XXXX which was higher than the payoff amount that was calculated. They could not explain the difference. Coincidently the difference is the same amount that I had disputed earlier and had been resolved in my favor. I paid off the amount due as stated on the loan statement and disputed the difference. They have continued to add interest and late payment charges on this disputed amount and after numerous letters and forwarding them all of my cancelled checks for XXXX, XXXX and XXXX and including a spread sheet that shows the balance going down after the resolution in my favor on the unsubstantiated charges and then jumping back up by the same amount just a couple of months later.I have been mailing, phoning and even went to the bank to get an explanation. After almost a full year the only response I have received is " It does n't look right. I will check into it '' from the local branch manager and XXXX letter in XXXX saying they were looking into it. There has still been no attempt to justify the charges. 
They have made repeated charges for which they could make no justification since taking over this account from XXXX XXXX. In XXXX they charged late fees when I had cancelled checks showing that I had paid on time. They initially claimed XXXX late payment back years before they took over which I paid, Than they mysteriously found more late payments from when XXXX had the account that XXXX never made reference too and tried to claim them. When I threatened to report this to the banking authorities they resolved the amount in my favor. A couple of months later the same charges re-appeared and again I could obtain no valid explanation.
Hello, I had recently applied for a mortgage with Pentagon Federal Credit Union. This experience I do not with upon anyone. Started my research by looking for a XXXX % down product with Pentagon Federal had.. I called in on XXXX XXXX with XXXX XXXX who had explained the product to me in absolute clarity ... He said it is a XXXX % down with a XXXX ARM first mortgage and a XXXX mortgage a 15 year loan fixed@5.99 %. The credit score requirement is XXXX on the XXXX mortgage. So I was super excited and applied for a loan ( BTW i had a personal loan with penfed which i paif off in full ). Once I applied I received an email from an XXXX XXXX ( loan officer ) and she properly introduced her self and asked for all of the documents needed. I went ahead and submitted all that was required of us ... Then I had to keep bugging XXXX and asking where is the pre approval? She said I am working on the XXXX mortgage but I have the approval for the first. So I kept asking for a time frame and I got nothing back. Then all of a sudden I have a new loan officer XXXX XXXX and she said from here on she will handle my file with an underwriter named XXXX. What happened to XXXX? Well XXXX just does the initial portion of the process. Same thing this whole back and forth ; then I was asked for my XXXX 's and pay stubs and my wife 's XXXX 's as well ... I went ahead and re faxed it, this was the second time. XXXX and XXXX claim they never got it.. Now they keep asking me for information. On top of that XXXX says we can no longer offer you the ARM it now has to be a fixed mortgage because of your DTI. It took them over a month to figure it out and in the mean time nothing re : the XXXX mortgage. I then had an opportunity to speak to XXXX and explain how long ago my short sale has been out there ; I mentioned it has been 4.5 years. I asked her does she need supporting docs for the short sale and she said no. At this point I am still waiting. And all of a sudden XXXX is back now and she is handling the loan process. Again she is requesting the XXXX which I think they lost ( XXXX our info is floating around ) ... Then on XX/XX/XXXX I got an email from XXXX that there was a decision and the letter is attached and she would call me to discuss ... It was a decline letter due to my short sale that occurred on XX/XX/XXXX which she knew about. I emailed her before the long weekend and left her a VM and got nothing back. At this point I sent another email and did tell her I am upset and will be filing a complaint with CFPB. I had also emailed a complaint to PENFED directly and heard nothing back. Either they are n't very good at handling loan files/ or do not know products/ or do not know underwriting or just plain ignorant. I have never seen anything like this and i am in the industry ... I do n't wish this on my worse enemy.