WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXXWells Fargo informed me that my IRA account was levied by Virginia Department of Taxation. This was an illegal levy and was removed within 24 hours. Instead of Wells Fargo placing the {$100.00} back into my IRA account they closed the account? This illegal levy caused one check to bounce and fees was removed from checking account. I contacted Wells Fargo Executive offices and explained what has happened for weeks and was informed that a check in the amount of {$90.00} ( after taxing my {$100.00} ) was mailed to me on XX/XX/XXXX. XX/XX/XXXX I called again explaining that I have not received my refund check and the lady informed me after 2 hours that the check was deposited into a XXXX Account. I have never banked at XXXX, my address was not on the check when I received a copy of the check, Wells Fargo has not contacted me as of today 's date with any explanation on resolving this issue and why was a cashiers check issued instead of direct depositing into any of the Wells Fargo accounts?
We applied for a loan modification the first time last year on XX/XX/XXXX, we got approved on XX/XX/XXXX and complied with the 3 month trial payment starting on XX/XX/XXXX of the amount of {$2100.00} and so on follows the months of XX/XX/XXXX and XX/XX/XXXX. And after XX/XX/XXXX payment they declined us because of Deed was not on our names. But I spoke to a representative informing me that we still had until XX/XX/XXXX to transferred back the Deed back in to our names. But once M & T Bank received our last payment of  XX/XX/XXXX modified payment which we mailed in our check before XX/XX/XXXX and thats when M & T Bank informed us that we were declined due to the deed not being in our names but again they never informed us that once XX/XX/XXXX payment was received by them that it was an automatic decline. At that point we had the deed transferred back into our names and were told that we had to start the loan modification process again. Now we were informed today on XX/XX/XXXX, that we were declined again now because they couldnt support the modification because of the lengthy time which had nothing to do with us. We had all the paperwork completed and turned in a timely manner. 

Thank you, XXXX & XXXX XXXX
XX/XX/2018 received letter saying verified account. The account is closed and charged off, but still reporting on my report. The company is XXXX XXXX XXXX XXXX and XXXX XXXX which sold the account to XXXX and ALL are reporting.
XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with  XXXX , Transunion and  XXXX  reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry on my credit report  .
A unauthorized transaction was made on my account with XXXX XXXX and the recipient never received the funds. The company refused to return my money.
I sumbitted a complaint against drivetime reporting againt my credit bureau report inaccurately and they responded back that they would remove their tradeline from my credit report but it is still showing. I have disputed with the bureaus with the letter drivetime provided that they will remove but its still reporting.
In late XX/XX/XXXXor early XX/XX/XXXX, I opened a XXXX credit card with XXXX XXXX XXXX with a {$500.00} credit limit. I used it and paid minimum payments each month. Approximately three years later, I learned that the bank had increased the interest on the card such that my regular payments were not lowering the amount and in fact it was increasing. I contacted the bank and asked for the interest to be lowered so I could pay the card off and was refused. By this time, I had already paid well over the amount I ever charged on the card. As such, I decided to make no further payments and shredded the card. I have no recollection of receiving further statements or notification that the account was being sent to collections, but in XX/XX/XXXX I was notified by GCFS that they had purchased by debt from XXXX XXXX and that I now owed them {$2500.00}. I received several harrassing messages from XXXX XXXX and, thereafter, I was served with papers notifying me that I was being sued by GCFS. I appeared in court on the date set forth on the papers only to be told that the court date had been changed and that the judge had ruled in favor of GCFS. Last week, my bank account at XXXX was levied and GCFS will take everything that was in it ( {$500.00} ) on XX/XX/XXXX. I should have been notified that the court date with GCFS had been changed. I also question whether or not it is legal to take a {$500.00} debt ( or even a {$2500.00} debt ) and turn it into {$6000.00} by filing in Court. Please help. I would like to get out from under this debt, but can't afford {$6000.00} and especially can't afford to have them take everything in my bank account that I need to live on. Thanks.
This is due to the equifax security breech. This company needs to be held accountable for this breech as it has the potential to ruin thousands of XXXX lives. There needs to be serious discussion about the regulation of these companies. I find it absolutely ridiculous that we the public, have to pay to freeze our credit due to the ineptitude of these companies. This service should be free of charge, even more so now that our information has been jeopardized. XXXX 's website seemed to be pushing a product, instead of informing the customer that a security freeze was in their best interest. They are preying on ingnorance and this is unacceptable. I 'm sure you will get more complaints such as this, and I hope you listen. There needs to be a change with how these companies are delt with.
I reached to to Equifax several months ago to assist me in verifying information that XXXX XXXX had reported incorrectly to their buero. The 30 day mark has came and past and yet I have not recieved any results from Equifax where the dispute was conducted or finalized and how they obtained information. I have attempted to check the status of this using their online website, however, it never let 's me access the page.
The lender is   XXXX   which is not reporting the correct balance and that is effecting my credit score significantly.
I opened an investigation with   XXXX   XXXX   and they did n't change the balance saying the balance was correct because the lender said it was correct and the case was closed with the same incorrect balance on  XX/XX/XXXX , the case was opened on  XX/XX/XXXX .
The balance is   XXXX   as of  XX/XX/XXXX  in my credit report but as of XX/XX/XXXX  the correct balance is  XXXX  I called   XXXX   XXXX   and complained to   XXXX   which claim was a supervisor on  XX/XX/XXXX at   XXXX   XXXX    XXXX  and asked him why   XXXX   XXXX   is reporting a false balance and he said because  XXXX  said it.
I told   XXXX   it was insane to report the same balance 3 months after the account was opened and that they needed to be honest but he said wo n't change the balance and period.
I asked why the screenshot that I submitted within   XXXX   XXXX   dispute section was not presented to the lender -  XXXX  and  XXXX  said they do n't use screenshot so I asked why they do do n't ask about my balance sheet or payment record from   XXXX   and he said they do n't do anything other than ask the balance and whatever the lender say that is what is going to be in my report no matter what I say.
The government should have a law that ensure the report is accurate because the financial damage that a false report cause to consumers is extremely devastating.
During my 4 years of college I was studying to enter the XXXX XXXX XXXX XXXX. I took out several loans to help, both private and federal. The issue is that the Private loans, now owned by XXXX XXXX XXXX XXXX have variable rates. I have worked on and off during raising my Child and I am expecting to be out of work for my XXXX child. The reality is that my work does not cover the cost of childcare so it is more affordable and just as beneficial to the children to stay home with them. There are currently 4 private loans amounting to {$40000.00} with rates of 11.25 %, 11.75 %, 10.625 % and 11.125 %. I have paid these since graduating in XX/XX/2011 but can no longer keep up having made no dent in the principle and only affording to pay the outrageous interest rate each month. How can they get away with not lowering these rates to a fixed lower rate that is achievable. This is predatory lending to a young XXXX girl with little/no financial background. In addition to this, the school provided no education on the risk of lending, nor did they make any effort to find a lower rate federal loan that would not create such hardship for students futures.
There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/2018 I sent notarized documents to TransUnion CB ( driver license, social security card and mortgage statement ) requesting them to update all my personal information on my credit report and this company refuses to do so. I got divorce and remarried 5 years ago, so I have a new last name and they do not want to remove my previous last name. Note that all my open and current accounts have been updated for a long time. 

Can you help me please. I believe TRANSUNION should change my all personal information for my credit report to be accurate. " I AM NOT LONGER HAVE XXXX XXXX as my legal name '' and my current personal information is the following, all others information on my credit report is completely inaccurate. 

My full name is XXXX XXXX XXXX ( changes last name 4 years ago ) My social security number is XXXX My present and only address is XXXX XXXX XXXX XXXX XXXX, MD XXXX ( living here for almost 6 years ) My present and only employment is XXXX XXXX All others inaccurate personal information needs to be remove from my credit reports. 

THANK YOU IN ADVANCE, XXXX XXXX XXXX
Under the new law effective XX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. I disputed this information with Experian on XX/XX/XXXX, the Credit Bureau says the information is accurate has not updated this information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report. I have attached two documents with the new laws.
Mail offer for 0 % 18 months on purchases and balance transfers and {$0.00} balance fee for first 60 days. Received new card with disclosure summary which reflected same as mail offer but when the card was activated CS rep said no!!!!! card terms were 15 months 0 % and 3 % transfer fee! Was transferred to 6 CS reps for total of 2 hrs and last one only offered to waiver 3 % after transfer posted to account which I refused. I WANT THE TERMS OF THE DISCLOSURE SUMMARY THAT CAME WITH THE CARD APPLIED TO THE CARD WITH WRITTEN PROOF before I do any transfer balance! Clearly BANK OF AMERICA is using this tactic. of bait and switch targeting retired people
Experian / XXXX / XXXX  / XXXX I am the victim of Identity Theft. 

The criminal completed credit applications ( over 47 ) using my Social Security number and someone else 's name and another person 's address. The credit bureau 's upon being contacted for credit checks by car dealerships DID NOT ( in protection of my information XXXX respond with facts - to the financial institutions by letting them know that this application 's information does not match with the social security number. THEY instead added the criminal 's information to my credit report. I now have several variations of my name listed, different dates of birth as well as false places of employment. My attempts to speak with them ends in them wanting me to prove these new names/addresses/date of birth are NOT mine yet the criminal did not have to prove anything - the criminal 's information did not match my factual information and yet the credit bureaus ADDED their info to my report. NOW they state it is up to me to prove who I am to have it removed. he credit companies will not review my report with me because I am unable to answer their questions. I am unable to because the information is no longer mine. One of the questions was : Out of the list of 5 places of employment please tell which two you worked at. I did not work at two of the ones listed and answered honestly and was told since I could not answer the question they could  not discuss further the information on my report. THEY PUT THAT INFO there. They altered the truth/facts by copying info off a fraudulent application. 

They also did NOT notify me of the mass amounts of inquiries ( over 47 ) and purchase of 5 vehicles all within a matter of days of one another. 

Nobody should be adding information to a credit report that alters the person 's identity.
Re : Experian Credit Bureau XX/XX/XXXX, placed Security Freeze on Experian Credit Report. Paid required fee for Michigan residents, {$10.00}. 

XX/XX/XXXX, received email containing required PIN to temporarily or permanently remove security freeze. Thus indicating security freeze must be in place. 

HOWEVER, checked account status ( via Internet account login ) for Security Freeze on XX/XX/XXXX and XX/XX/XXXX. Both inquiries state ambiguous status ; i.e., " Credit Report is Now Unlocked '' and ( in fine print ) " You currently have a Security Freeze on your Experian Credit Report ''. 

Attempted to contact company for clarification via phone ( try several numbers ) but had minimum of two hour wait time ... unacceptable. No email inquiries available. Note : made several attempts to call Experian and use company 's answering/directory service to CONFIRM credit report freeze but system not setup up for that. 

CONCLUSION, it's apparent that Experian is marketing their credit monitoring services ; e.g. Experian XXXX. Please see the attachment. This is deceptive marketing. 

I still have no assurance that my paid Security Freeze was ( is ) honored.
To Whom It May Concern, I was charged {$67.00} of interest by Chase credit card services from XXXX despite clearly being informed by XXXX in XXXX on XXXX/XXXXXX/XX/2015 XXXX I had until XXXX/XXXXXX/XX/2015 to pay my account in full ( which I did ) to avoid any accrual of interest. Upon requesting that my interest fees be waived due to this apparent misinformation on XXXX/XXXX/XX/XX/2015, XXXX senior service representatives, XXXX and XXXX, were extremely inconsiderate and would not honor the assurances previously made by XXXX ; furthermore, they saw no relevance to my plea for a review of the recording of that call and resisted arranging it. As a result, I have cancelled my account with Chase and demand the reversal of these charges given the extenuating circumstances. Thank you so much in advance for your time and assistance in this sensitive matter.
I was paying CitiMortgage via a Biweekly Advantage plan where I made a partial payment every other week. This program got cancelled. I wanted to continue to pay bi-weekly but I am being told that in order for me to do so, I must call CitiMortgage Customer Service after my second payment for the month and ask them to combine my first and second payment into one payment so that my payment status will change to paid in full and no late fees or other penalties will be assessed.
This complaint is regarding Capital One 's recent decision to not allow data sharing with third-party companies, even though the consumer/account holder has authorized the third parties to access said data. This new " policy '' has literally cost me financially. I as a consumer and Capital One account holder, insist that Capital One return to it's previous practice of sharing data with AUTHORIZED third parties.
I requested a credit balance refund in the amount of {$7000.00} in XX/XX/XXXX for my XXXX XXXX XXXX. Citi issued a check in the amount of {$7000.00} on XX/XX/XXXX. Citi then stopped payment on the check without notice to me or good cause. This caused me to incur fees and costs with my bank. Citi refuses to abide by Regulation Z and fails to process the credit balance refund. The reason given is that there is an open dispute on the credit card account.
My husband and I have Netspend Cards for our direct deposit from our jobs. From time to time, my husband will go to XXXX XXXX our banking institution and do a cash advance from our Netspend Cards to deposit funds into either our checking or savings account at XXXX XXXX. On XXXX/XXXX/16 my husband attempted to do a Cash Advance from our Netspend card to our XXXX XXXX Checking account, for whatever reason the transaction was NOT showing in XXXX XXXX, the Bank Teller even called the Branch Manager to make sure the funds were NOT there, and told XXXX he would need to contact Netspend to see what happened with the transaction. My husband spent hours on the phone with Netspend and finally the Supervisor told him " Not to worry, that the transaction has been cancelled ''. So today, XXXX/XXXX/16 I attempted to make a purchase with my Netspend card and the card was declined. I did n't think much of it, I thought more than likely they were having issues with their terminal. The card was declined again when I went to go buy lunch. My husband said I bet that {$800.00} transaction went through. I went to look at the XXXX XXXX XXXX to see if the {$800.00} was in there, it was not. So I signed on to the Netspend website and it shows the {$800.00} went through at XXXX on XXXX/XXXX/16, even though the supervisor assured my husband over and over that he cancelled the transaction. So I called Netspend to clear up the mess, and specifically asked for a supervisor. The 1st time I called the agent tried to assist me and told me the money is in XXXX XXXX. I told him it is not, my husband just got off the phone with them and there is no pending transactions and it is not in our account. I asked for a supervisor and after waiting on hold for 20 mins the phone just rang and rang. I hung up and called back and immediately asked for a supervisor. XXXX claimed to be a Floor Supervisor and I told him the situation and again I was told XXXX XXXX has the money. I again told him XXXX XXXX does NOT have my money. My husband just got off the phone with them and there are no pending transactions and the money is not showing in my account. I told him I looked on my mobile app, as well as my husband just got off the phone with a supervisor. I asked to speak with someone higher and XXXX told me if I do n't like what he has to say then hang up. After going back and forth with him about the money being in XXXX XXXX and I offered to email him my XXXX XXXX Transactions so he can see for himself XXXX said I am lying that the money is in my account. I hung up and called back and spoke with a Supervisor named XXXX who again gave me the same run around as XXXX. I do n't know what game this company is playing, but they do n't want to take responsibility for their mistakes and there seems to be no accountability. They have no regard for their Customers and go as far as calling them liars. I do n't know about them, but {$800.00} is a lot of money, that was my grocery money, gas money, and bill paying money that I no longer have.
I purchased a convenience store on   XXXX   XXXX   XXXX    . Part of the purchase process is to apply to  XXXX  to accept  EBT cards ( food stamps ). I   h ad submitted the application to   XXXX   in  XXXX  and provided all the requested documents in  XXXX . A fradulent company called "   XXXX   XXXX   XXXX   XXXX   '' called my store in  XXXX . This company was impersonating to be from the government and asked for a {$320.00} fee for finalizing the food stamp application. The manager at my business fell for this scam and gave my bank account number and routing number to this company. Later I found out that this is a scam and this is a private company from   XXXX   XXXX  , California. This company withdrew money out of my bank account under the title "  Federal Compliance  ''. I immediately contacted  US Bank wh en this withdrawal was pending.  US bank r efused to stop this withdrawal and were not even able to tell me what company was this charge from. I have now contacted this company about  hundred times but t hey refuse to refund my money. I have also filed complaints with various government agencies. My complaint is aga inst US bank. They  refuse to do nothing despite the fact that I told them the whole situation. They were unable or unwilling to tell me what company was this charge from. Small business owners lile me work countless hours to earn a living and paid thousands of dollars in fees to banks li ke US bank. However it appears that US bank is aiding and abetting criminals like this fradulent   company and do everything to conceal the criminal 's identity.
iHAD A MORGAGE LOAN MODIFICTION IN 2010 AT XXXX AT 5.65 % PRINCIPAL AND INTERST PAYMENT XXXX DOLLARS I HAVE SPOKE WITH A NEW MORGAGE COMP AND HAD 3 WAY CONVERSATIONS WITH MY CURRENT CHACE MORGAGE THAT CAN NOT GIVE ME AN ANSER TO WHY MY PAMENTS ARE THAT OF A 8 % RATE.
Experian is reporting XXXX on my credit report enclosed this is not mine please remove it asap.
On XX/XX/XXXX XXXX XXXX sent notification that the mortgage home loan servicer would be changing to XXXX XXXX XXXX  and would take effect on XX/XX/XXXX. Nationstar confirmed the transfer and sent out a welcome correspondence on XX/XX/XXXX. Both taxes and insurance are escrowed in the mortgage payment. Both XXXX  and Nationstar assured that the payments would remain the same and that the terms of the loan would remain unaffected.On XX/XX/XXXX XXXX  (the provider of homeowners insurance to the property) sent XXXX a request for payment. The policy was set for renewal by XX/XX/XXXX. XXXX transferred the mortgage to Nationstar on XX/XX/XXXX without payment being made to XXXX. XXXX  request for payment was sent only to the mortgagee and not the mortgagor as the account had been noted since the XX/XX/XXXX's. On XX/XX/XXXXthe  XXXX insurance policy was terminated for nonpayment.Surprisingly, when the XXXX insurance policy canceled, XXXX was still listed as the Mortgagee. Nationstar  not only failed to change the mortgage clause during the transfer, but they were also unaware that the insurance policy had canceled, still currently show XXXX as the insurance provider, and continue to escrow based on the previous policy premium.Moreover during the lapse of coverage, a claim for substantial water damage on the property needed to be filed. Nationstar has force placed insurance that will not adequately cover the damage and repair to the structure of the property. There is also no coverage granted for any personal property loss. The XXXX policy would have more than easily covered our losses had Nationstar not been negligent to pay the renewal of the policy as required in maintaining terms of the original loan.
I have disputed the attached account with Equifax as not belonging to me. I have contacted the collector and the original creditor who are unable to provide me with any proof of the validity of this collection. Equifax supposedly verified information several times, but they are unable or unwilling to provide me with proof of method of verification for over 60 days. This is a fraudulent collection that Equifax refuses to remove from my report and also refuses to show me proof of verification.
Navient is calling me up to 6 times a day, starting at XXXX am. I am a cosigner for my grandson 's student loans. The debt collectors are very rude, will not let me talk without interrupting me. I have asked them to not call me as frequently as they are but they tell me they can call me up to 8 times a day and it is legal. I am XXXX years old and just had a XXXX XXXX and am XXXX XXXX. I have told them this and it has not made a difference. Thank you for your help with this matter.