WillisBack/dataset-financial-user-claim huggingface dataset:
EXPERIAN CREDIT REPORTING AGENCY ... I HAVE A DISPUTE ON MY CREDIT REPORT ... AN ITEM IS OVER 7 YEARS 6 MONTHS outdated I advised must be deleted per FAIR CREDIT REPORTING ACT..per Experian file XXXX it remains on my credit file..i am being denied new credit and fair employment and housing because of the information on my credit report that is outdated and negative information. I want Experian to remove ALL outdated negative information in my credit file per the fair credit reporting act.
I had a XXXX, which was serviced by Bank of America. I paid off the current and outstanding balance of {$6600.00} on XXXX/XXXX/2016. On XXXX, I get an email stating the current balance is {$110.00} as interest was charged. How can interest be charged when I paid the entire balance? I called and was told the outstanding balance is not the payoff on their credit cards. What? Never heard of that before with a credit card. A loan .. Yes .. but not a credit card. I paid the payoff of {$110.00} and closed the card, but I do not believe them and they could not give me proof. I 'm wanting to warn others so they do not get hit with interest when they too think they are paying off a card. I 've paid off a number of cards in my years and this is a first for me.
I sent letters, along with my identification, and a Federal Trade Commission Identity Theft Affidavit to the 3 major XXXX, XXXX, and Experian on XX/XX/2018 and XX/XX/2018 asking that they remove or block all accounts and inquiries that were showing as a result of identity theft.
I disputed two XXXX tax liens on my credit report that do not belong to me but the credit bureau verified the info as correct despite the tax liens not containing my full social security number or date of birth as now required.
Wells Fargo Bank N.A. is the document custodian that held my original promissory note. I have requested a two sided,  most recent, true, correct and complete copy of my promissory note, including any allonge, produced from the original they held in their vault. I am not requesting a copy as of today if they do not have it, nor from another entity, I only need the most recent copy THEY have. An affidavit or statement that they lost the note and when it was lost is fine also if that is all they have. 

I sent a Qualified Written Request and called but have not been responded to. The below information will give them what they need to locate the copy/file. 

The loan was in the XXXX XXXX XXXX Wells Fargo is the custodian of the XXXX XXXX trust, also known by its Deal Identifier : XXXX or Long Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. See SEC filings : XXXX XXXX XXXX # 1stPage On the 118th Page of 401 it says : The trustee will appoint Wells Fargo Bank , N.A., to serve as custodian of the mortgage loans. The custodian is not an affiliate of the depositor, the master servicer or the sponsor. No servicer will have custodial responsibility for the mortgage loans. The custodian will maintain mortgage loan files that CONTAIN ORIGINALS of the NOTES, mortgages, assignments and allonges in vaults located at the sponsors premises in Minnesota. Only the custodian has access to these vaults.
ISSUE : The latest key bank digital online banking production released UI does n't authenticate properly. 

Key banks " offline '' status for 5 days has cost me late child support transfers, a failed pre school tuition payment transfer, and inability access my account information among many other inconveniences. For not just me, but ALL of their consumers. Meanwhile, I 'm sure they are cleaning up the fees while no one can even access their information. This should be criminally illegal. 


Specifically, the identity authentication link below is broken and does not work in IE, Chrome or FF. 
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I went to XXXX to get my report. The Equifax questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.
On or about XXXX to XXXX, while checking my bank statement discovered 6 transactions done at 6 different ATM card # XXXX with Wells Fargo banks local here in XXXX for {$300.00} each and one for {$100.00}, not done by me but by some other people, ( the transactions it started on XXXX ), I call the bank. 0n or about XXXX and notified them, they told me they will send me another ATM card within 5 working days. I when to the bank again and they started a claim # XXXX. On XXXX the bank send me 2 letters, one with the temporary credit on the losses {$1700.00} XXXX resolution claim # XXXX for account ending on XXXX. And the other letter saying they will take back the temporate credit within 10 days. On 2 occasions I went to the Bank and they notified me the claim was decline 2 times. XXXX a lady over the phone at the Bank in California in charge of operations XXXX XXXX XXXX told me that I could go to the police station and file a complain, wish I did PD # XXXX XXXX XXXX. And again when to the bank and show them the police report, it takes 21 days for the report to reach the crime bureau.
On XX/XX/XXXX, I initiated an email to XXXX XXXX XXXX XXXX explaining that because of my XXXX XXXX XX/XX/XXXX, my income has decreased to the point of being unable to make the payments. I inquired about the possibility of rewriting the loan to lower the payment. I was elated to receive a call back from the company 's executive offices. The representative opened a case and began to research the various options. They concluded that although they were unable rewrite the existing loan, they proposed to allow the loan to charge off and subsequently draw up a new agreement with lower monthly payments. I was told that the executive office has the authority to act on behalf of the CEO, XXXX XXXX. I agreed to proceed with this plan. 
A few days later, the representative from the executive offices called me to explain that the file was being given to another individual in the Collections Escalation Dept. When I talked to this gentleman, he explained to me that the account was now in a " holding queue '' and would eventually be sent to another department. He assured me that he understood the plan to restructure the monthly payments after the account charges off. He advised me that if I made any payments to the account, it would prolong the charge off process. Therefore, it 's best not to make payments. 
Well, this gentleman never informed me when the account was turned over to the next department. The company never informed me when the account charged off, and when it was ready to execute the new agreement. On XX/XX/XXXX, we walked outside to find the car missing from the driveway. The company repossessed the car without a new agreement. I tried to reach the gentleman from the Collections Escalation Dept, but he has not made contact with me.

I sent a new email to the executive offices and they reopened my case but concluded that there is nothing that can be done. They are not honoring the agreement to restructure the monthly payments. I did n't respond to any system generated notices because I was led to believe my account was given special handling by the executive office.

Caution : I did n't have anything in writing. I trusted that my account was being handled at the highest level. Fortunately, the company recorded all of my conversations, but I do n't know how to gain access to these recordings.
I recently decided to cancel my Am/Ex due to extensive annual fee of $ XXXX/year and the fact that I don't use the card much. 
Before the closing I wanted to redeem my points to my account ( XXXX ) which translates to {$42.00} or have the card apply to any gift card where the points can be applied and the remainder charged to the card. 
The Am/Ex representative refused both transactions leading me to the conclusion that the Am/Ex wants to confiscate my points as result of my account closing decision. 
This type of action is not only unethical but truly reprehensible.
I tried to utilize the governments " Loan modification '' program with GreenTree. I kept giving them the same documents, when asked for, without any resolution. They just kept " stringing '' me along! I then tried to sell my farm but the market dropped and I was in an upside down mtg. I then tried for a short sale & had offers. My XXXX mtg company accepted the offers however my XXXX mtg, GT, refused to accept the offers. Because of them I had to allow the XXXX mtg to foreclose. Now 4 years later GT is suing me for the full XXXX mtg loan plus interest and collection/court fees.
A counterfeit check ( written XX/XX/2016 and cashed XX/XX/2016 made payable to XXXX XXXX XXXX in the amount of {$1300.00} - A copy will be attached ), using our account number and routing number was created, cashed and deposited at an unknown branch of Wells Fargo Bank. We have contacted a local police detective who has left messages to investigate this incident that have not been returned. This check shut our main account down and then we subsequently had an internal thief in our office take FULL advantage of our account being mandated to be shut down. We have reached out to Wells Fargo MANY times and they are ignoring us and continue to recuse themselves from having to abide by laws ( that i hope you enforce ). They will not tell us which branch it was cashed at so we can get a search warranty from the detective we are working with. We are VERY upset that a BIG bank thinks they are above the law and we are NEVER going to accept that answer. Wells Fargo is the bank that made us aware that we are victims of fraud and then disappeared. They also initially reimbursed us for our lost money ( due to a KNOWN false, illegal, not cool, dishonest, check ) and then took back the money and claimed they were innocent and never even cashed the check ( which they actually told the detective that ). I promise you that every institution we contact about this situation will be held to doing their job. We are NOT going away! We firmly believe this was an inside job at Wells Fargo and they do not want the bad publicity and that is not going to deter us.
I have an open and current mortgage with Chase Bank # XXXX. Chase is reporting the loan payments to XXXX but XXXX is surpressing the information and reporting the loan as Discharged in BK. This mortgage was reaffirmed in a Chapter XXXX BK discharged dated XXXX/XXXX/2013. Chase keeps referring to BK Law for Chapter XXXX and we keep providing documentation for Chapter XXXX, and the account should be open and current with all the payments
I used my debit card to hold a hotel room on Friday XXXX XXXX, 2016. I made the reservation around XXXX and XXXX I called to cancel the reservation because of bad weather. We were on a motorcycle and we had to get off the road due to a tropical storm. I called the hotel and hotel.com to cancel. The attendant at the hotel said to call XXXX and let them know. I confirmed that they canceled my reservation and immediately called XXXX. I got a confirmation number and I thought that was the end of the reservation. They still took the money out of my account.
I fill I was overcharged with fees, expenses and other charges on a loan modification agreement with my mortgage company ( American Servicing Company ). My mortgage ballooned from XXXX to XXXX dollars during the housing market crash in XXXX. 
I was in a bankruptcy situation with my house and was told to stop any payments on the mortgage during the bankruptcy. Well almost 3 years went by without any payments or contact with my mortgage company. They told me with the amount of other bankruptcies that they were overwhelmed and that they would get back with mine when they can. I was desperate to save my house so I waited for almost 3 years with no payments. I finally agreed on a loan modification so I had a home for me and my wife to life in. 
The problem is I fill is the amount of late fees and other expenses and almost 3 years of mortgage payments that were all of the sudden added to my mortgage. 
My mortgage went from {$250000.00} to {$330000.00}. {$72000.00} was added to my mortgage. 
principle {$250000.00} interest {$56000.00} escrow {$13000.00} late fees/nsf fees {$2600.00} recoverable expenses {$4300.00} {$72000.00} added to a mortgage from someone who is in bankruptcy already who is having trouble paying there mortgage to begin with, to telling them not to pay anything for almost 3 years then add all that interest, late fees, recovery expenses and escrow money seems like this should have been illegal. I thought 3 months was the amount of time for a bankruptcy, not 3 years. The loan modification should have been denied to me. I signed it at the time because I was desperate to save my house. Now the mortgage is getting to be to much for me.My question is there anyway I could find some relief from these charges or have some of these fees and charges reduced to lessen my mortgage. The total amount of money I borrowed to begin with was {$170000.00} to purchase my house 13 years ago, now I owe almost {$330000.00}. I am way underwater now on my mortgage. American Servicing Company which is owed by Wells Fargo was my mortgage company at the time. And I now know Wells Fargo has done criminal activity and am wanting to see if something illegal or something wrong done in my situation to add so many expenses to my morgage. 

My complaint is with American Servicing Company from XXXX loan modification agreement. American Servicing Company has since moved my mortgage to XXXX who is know handling my morgage.
Hello, I am launching this complain because I feel like you are my last resort before filing a law suit against the credit bureaus. I am a victim of identity theft. I have sent the bureaus a copy of my fraud affidavit packet, my police report and my notarized statement- its no use after 6 months I have not received a response and/or the accounts remain on my credit. I hope they will respond to you and we can get this resolved if not I will be filing a law suit with the federal courts. 

XXXX XXXX FKA 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 XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
BB & T has done ti to me again now they are XXXX my direct deposit to the point I ca n't provide any food for my family or even get present for my grandchildren for XXXX They are always too busy to work with customer to clear up such mess and they have XXXX assigned ot my account and prior she just blew me off and then has done such again.
We have been trying to short sale our rental property ( XXXX XXXX XXXX XXXX, CA XXXX ), but XXXX XXXX XXXX will not give us an answer for either approval or denial. We 've have a buyer in place since XX/XX/XXXX and they have already signed 1 extension.
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We 've submitted all the documents that XXXX XXXX has requested, but they refuse to give us an answer and see to be delaying this transaction for as long as possible. We are at risk of losing our buyer and have the house foreclosed due to their inactivity.
<P/> XXXX XXXX XXXX is the 2nd lender on the house ( HELOC ) and they 've been patient, but time is running out for them, as well.
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Also, my wife ( XXXX ) and I are going through divorce proceedings and we need this resolved so we can move forward with our lives.
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I 've attached the relevant documents. My realtor is XXXX XXXX and XXXX XXXX is assisting him. They can be reached at - XXXX - XXXX  XXXX XXXX - XXXX
I had a solar lease with XXXX XXXX XXXX in XXXX, PA for solar panels on a house that I sold on XX/XX/2018 but they are still charging me for the panels. My real estate lawyers filled out the paperwork and sent it all in for the transfer of ownership. I have contacted the company numerous times through email and phone but mostly I only get an answering machine when I call and no one returns my calls or emails. I've sent emails to XXXX XXXX and XXXX XXXX from the company. I sent a certified letter also which I have the return receipt for too. I just received a notice in the mail from them too saying they have been trying to reach me to pay my account. Never even got a first one and no one has even called me.
XXXX XXXX {$65.00} Opened XX/XX/XXXX XXXX XXXX  {$3700.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on XX/XX/XXXX
I contacted Equifax in several occasions with the concern that there are inquiries I did not authorize. I had a fraud alert requesting a phone call to prove identity on my equifax file for a number of months, yet inquiries were popping up and no one was contacting me when my credit file was being pulled. I contacted equifax and spoke with them about my concern and possible fraud on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 ( See attaches file with dispute dates ). Each time I was told they would not remove inquiries, I would need to contact the company that pulled my file. I contacted all of the companies and they stated I needed to speak to Equifax. When I went back to Equifax with this information they stated they still would not remove inquiries. After a few phone calls they did a dispute but still did not remove inquiries or provide proof that I submitted my information to be pulled ( which I did not. I explained it was fraud, hence the fraud alert ).
Cavalry Portfolio Services LLC is reporting an account that was a charge off credit card from XXXX XXXX XXXX from XXXX on my credit reports. Under Louisiana civil code XXXX XXXX XXXX XXXX the statute of limitation of debt collection of an open account is 3 years old. On my XXXX Credit report it shows that Cavalry started reporting this account on XXXX/XXXX/XXXX, XXXX and XXXX XXXX show that they started reporting on XXXX/XXXX/XXXX, Cavalry was sent a letter on XXXX/XXXX/XXXX to validate this account and provide proof that they notified me in written XXXX to XXXX days before reporting this account to the credit reporting agencies as required under FCRA. Per phone conversation with with XXXX XXXX ( supervisor with Cavalry Portfolio Services ) they are servicing the account on behalf of Cavalry SPV 1 LLC who purchased the account on XXXX/XXXX/XXXX from XXXX XXXX XXXX. According to XXXX XXXX XXXX 's records provided by Cavalry Portfolio Services the account was charged off on XXXX/XXXX/XXXX making this account past the 3 year statute of limitations of debt collection under Louisiana XXXX XXXX XXXX XXXX XXXX ) for open accounts ( credit cards ). XXXX XXXX XXXX stated that they first started reporting this account to the credit reporting agencies on XXXX/XXXX/XXXX which is a violation because under FCRA since they are required to wait XXXX to XXXX days before reporting, which he said they purchased it on XXXX/XXXX/XXXX and reported on XXXX/XXXX/XXXX ( 48 days ). XXXX XXXX XXXX stated that they sent out the first notice on XXXX/XXXX/XXXX, the second on XXXX/XXXX/XXXX and that Another company they used called XXXX XXXX XXXX XXXX started servicing the account in XXXX. XXXX XXXX XXXX was asked to provide the Bond number showing that his company was licensed and bonded in Louisiana as a XXXX XXXX but could n't provide that information. XXXX XXXX XXXX was recording the conversation and was brought aware of the many FCRA violation his company had committed from reporting false information, reporting this account before the XXXX to XXXX days required, that they had to be bonded in Louisiana, not providing the information that was asked to validate this account and that once XXXX XXXX XXXX charged off the account they sent out a XXXX required under Federal Bankruptcy Laws and that once its filed on my tax returns it satisfy any amount owed under XXXX Sections XXXX, XXXX, XXXX, XXXX, XXXX.
Ocwen Loan Servicing has been contacted several times to drop the Private Mortgage Insurance on a loan. The loan to value is far below the 78 % and the payments are made by electronic transfer. They sent one letter back that said they will send another letter stating that they will drop the PMI. This was two months ago and they are still charging PMI on the loan.
I filed a complaint with my bank about fraud on my card on XX/XX/2018, there were 50 charges totaling {$2000.00}. I was informed by my bank today that they could not prove the charges were fraud. And that they look at the charges as a whole and if they think one is not fraud then they refuse to refund on all the charges. In this case 45 of the charges were out of state or internet games and 5 of the 50 charges were in my state but hundreds of miles from where I live. 

When I asked what steps the bank took to prove these disputed charges were not fraud they told me they could not tell me because it was bank secrets. 

Wells Fargo Claims # XXXX
Back in XX/XX/XXXX I had XXXX XXXX dollars in Debt for students loans. I 've been making small payments to them each month since then up to XX/XX/XXXX. Now my balance shows XXXX XXXX dollars. Its extreme painful to keep seeing this loan going up instead of down.
American Express ( Amex ) failed to follow their letter dated XXXX/XXXX/2015 ( copy attached ). 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies to follow ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account XXXX On XXXX/XXXX/2015 I advised Amex in my letter ( copy attached ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account XXXX per their terms and conditions.
My social was used on a business credit card as the primary that was applied for in XX/XX/XXXX According to American Express there was no activity on the card for 9 years. In XX/XX/XXXX a XXXX card was sent by American Express to the owner of the company. The owner activated the card and proceeded to charge more than {$31000.00} too that card. I only found out about the card in XX/XX/XXXX when American Express called me looking for payment. I have no ownership or partnership in this company and have not worked there for the past 9 years. American Express keeps calling me and not the owner of the company who did all the actual charging. I have called American Express several times to get no where. Also if you look at the bill when it came in it has the company name listed XXXX and the my name XXXX as the owner of a company would you not question that?? 
I filed several fraud complaints with American Express and they say they can do nothing about it. Yet i have asked for a copy of the application and they can not provide me with XXXX?
Ive sent a {$46000.00} wire from my GDAX account to my bank account the day before XX/XX/XXXX. It was supposed to be processed by the XX/XX/XXXX. It still hasnt came in and Coinbases support is nonexistent. Ive sent wires after this one because of my accounts limits. Those wires have went through.