WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX  Re : Borrower :   XXXX   XXXX  , DOB- XX/XX/XXXX , SSN #  XXXX  Property :   XXXX   XXXX   XXXX   XXXX  ,  XXXX , MA   XXXX   Lender : Wells Fargo Loan #  XXXX  To whom it may be concern : I,     XXXX   XXXX   have been fighting for my mother rights with Wells Fargo . My mother   XXXX   XXXX   primary residence at   XXXX   XXXX   XXXX   XXXX  ,  XXXX , MA  XXXX , has been fighting with Wells Fargo regarding her loan. She had a hardship in  XXXX , when she was forced to go into   XXXX   XXXX   XXXX   XXXX  . During the time she was recuperating she spoke to Wells Fargo regarding her loan and they told her she didnt have to get an attorney to get a loan modification done because Wells Fargo will be able to work with her on her loan modification.
Since  XXXX , we have submitted of a total of 11 loan modifications to Wells Fargo and they sent us a letter saying not qualified for loan modification. When I spoke with Wells Fargo about the denial, they told us the reason was an Application Discerptions, never in conversation I had with Wells Fargo, they never stated what type of discerptions the loan modification had. I have spoken representative from Home Preservation Team, Re-Entry team and someone from the executive office of Wells Fargo. My mothers loan is behind 40 payments because of the loan modification process she also wanted to get out of an ARM loan which has an interest rate of 7.8 %.
We have explain to Wells Fargo that we wanted a 30 year fixed loan and so hard to get it through loan modification. In  XX/XX/XXXX , they sent in a Foreclosure Letter stating that they will foreclose on the property on  XX/XX/XXXX , luckily I called the Division of Banks and delay the foreclosure for XX/XX/XXXX . Meanwhile Wells Fargo executive office is working again on our loan modification. In addition, we have sent a loan modification packet on  XX/XX/XXXX  and someone from Wells Fargo re-entry team called me on  XX/XX/XXXX  and said it was denied because they are going by the pervious denial even though the income increase.
My mother doesnt want lose her house. My brother and I was raised in the house and we want to continue to raise our kids there. My mother did a lot of work in the house to sustain the house in good condition. My mom has paid the house for 16 years almost half of the loan term.
Lastly, I have done a HUD counseling and they went over all of our budget and its shows that we are qualified for loan modification which I am enclosing the resolution document from   XXXX   did with us. Also, including the denial letter for Wells Fargo showing no specific of the indication of denial. I have spoken to them several times, which Wells Fargo indicated to me its was an Application Descriptions and explain them if I could fix the problem and they stated I have to send a whole application to be able to be approval to go to the Re Entry team.
I 'm in the process of completing a reverse mortgage ; however, I 'm finding this process to be very diffcult due to my loan processor, XXXX XXXX. She is very combative and hostile towards me and none of our discussion are productive. I 'm not sure is she is treating me unfairly due to may age ( XXXX ) or due to my ethnicity ( XXXX ). I 'm at the point I 'd rather due without the loan than have another conversation with her. We 've already spent over {$1000.00} for the appraisal and survey so I ca n't just drop the loan. Please help!!!
In XX/XX/XXXX XXXX XXXX XXXX reported that my account was late. In XXXX and XX/XX/XXXX, XXXX XXXX reported that my account was late. This is inaccurate information due to the fact that I was never late in making a payment. I have contacted both the credit bureaus as well as the creditors, but to no avail.This incorrect reporting is negatively affecting my credit. Please remove this.
This company calls me multiple times a day if I am even 1 day late on my payment. I have asked them to stop calling me so many times a day but they will not. They call at least 4 times a day from 2 different phone numbers. Today they have called 4 times in 4 hours yesterday was the same. 

I have attached screenshots of the phone calls.
I received a response to compliant # XXXX where the student loan provider 's response was that they could not reduce my payments. I received a call from the collection department on XXXX/XXXX/16 and the agent stated the he would try to help me arrange monthly payment arrangements. The terms were that I make the first payment via my checking account of {$130.00} on XXXX XXXX, 2016 - no payment due in XXXX - regular payments to start on XXXX XXXX, 2016 ( {$130.00} ) I agreed to these term and signed this agreement via pressing the # key on my telephone keypad. Later that evening, I received a call from the same agent ( XXXX ) stating that I must agree to another agreement, whereas I would now have to make a payment in XXXX in addition to the payments I agreed to earlier that day. I want to file another complaint against Navient Solution. Each time an agent calls me, I receive different terms for my student loan. I feel I should n't have to agree to another agreement, if I electronically signed the terms I agreed with earlier that day.
Im Apply Chase bank Credit cards 2-3 times because my debit card is chase bank .. Im new in United States So chase bank not give a credit card I think short credit history but Im not sure.. so now 3 hard inquiries in my report and some others I dont know about others.. so please remove hard inquiries in my report because its hurt my score .. 
Thank you
I discovered fraud charges on my account and are appalled that PayPal would let this charges through and did n't even notify me of this fraud use of my card.
To whom it may concern, Last Friday, XX/XX/2018, I scheduled a payment of {$500.00}. Usually the money gets debited from my bank account the next 1-2 business days and is then reflected in my XXXX account the next day. However, it is now XX/XX/XXXX, almost a week later and the money has not been debited from my bank account. According to their website, it says " please allow up to 3 additional business days for the payment to be posted to your loan account and debited from your bank account. '' However, as previously mentioned, the money usually gets debited from my bank account a day before it's reflected on the XXXX website. Therefore, even if the money gets debited tomorrow, it won't be reflected on my XXXX  account until Monday at the earliest, and I'll surely be gaining interest on my student loans until then.

If there was some type of hold up with my payment, I believe I should have been notified. In the meantime, this company gained a 5 % interest rate for an extra week. I think that's outrageous, exploitative, and unfair.
XX/XX/XXXX- Our mortgage loan was transferred from XXXXXXXX to Select Portfolio Servicing ( XXXX ). At XXXX, I had a simple interest loan with a fixed interest rate, and my loan was never modified at XXXX. My XXXX loan origination date was XX/XX/XXXX. During the early years of loan, I accrued unpaid interest called Deferred Interest which had to be paid in full with the unpaid principal balance in XXXX. In XXXX, I paid on the Deferred Interest bringing new balance to {$10000.00}. 

First Complaint. XXXX moved my Deferred Interest balance to Deferred Principal in an attempt to defraud me out of claiming the interest on my tax returns. I opened a dispute which they keep saying the need more time to fix or it is being reviewed. I can never speak directly to a Customer Advocacy person or the same person more than once. 

Second Complaint. After comparing my XX/XX/XXXX statement to my XX/XX/XXXX statement, I noticed XXXX reduced the Deferred Interest balance by {$9800.00} and added the amount to my Principal Balance so now I have to pay double interest on what used to be Deferred Interest. 

Third Complaint. My next due date was listed asXX/XX/XXXX. I made a full monthly payment on XXXX/XXXX/XXXX online at the XXXX website. After numerous calls, XXXX has yet to post my XXXX payment. I have tried to get them to apply theXX/XX/XXXX funds to my XXXX payment, but I keep getting all kinds of stories saying their Cashier is working on it and give it another 3-5 business days. 

Please help.
I had an issue paying my property taxes and called Wells Fargo Hime Mortgage to discuss the issue in XXXX of 2015. I was given the option to setup an escrow account with a 5 year repayment which truly would help my situation and be something I could afford. A couple of weeks passed and I did not receive any correspondence. I called again and was assured that it would be handled. A couple of weeks passed after that and I called again and was told a third time this could be done. A few weeks after that, I received a statement requesting repayment of the escrow in XXXX payments. They had paid my taxes and presented me with only a XXXX payment repayment plan without asking if this was ok. I had other means to partially pay my tax arrears and would have done that. They made a decision without asking me and now I owe them $ XXXX and this would raise my monthly bill by over {$1000.00}. I called back and was told the rules changes and they could not offer a 60 month repayment. Now my mortgage payment is very expensive and they have told me I could look into XXXX to lower my payment. This is not what I wanted to do. I am upset with the process because I was told what my options are picked an option that suited my budget and then they pulled the option saying it was no longer available. If the process was completed when I originally called in 2015, I would have the plan I requested, but Wells Fargo has no regard for their customers.
I XXXX XXXX I am a victim of Identity theft for quiet sometime. I got a report and I saw some unusual activities in my account. 

a. Someone tried to use a credit card online in the middle of the night about few months ago. 

b. Today I received a notification showing that someone trying to open another account at XXXX XXXX. 

c. Most of the Inquiries reflected on my credit report were not done by me. 

I found out all of the three credit bureaus were hack by hackers and therefore i believe am one of these victim of Identity Theft. 

I believe someone got access of my personal information without my consent. Please advise what you recommend to do in my situation. 

For now, I wish of you to remove any inquiries including within this month of XXXX XXXX, As soon as possible or within 30 days of this notice because I have not applied for any credit cards or store credit including this month of XXXX XXXX. 



If you have any questions, please let me know. 



Sincerely XXXX XXXX One of the people of the california --
I am late on my car payment and Regional Acceptance Corp has been calling at least XXXX of my friends yesterday. This is illegal in Florida to my knowledge and I would like to file an official complaint.
I received notice from my online credit report monitoring that two accounts from XXXX XXXX XXXX had been added to my credit report. XXXX XXXX XXXX the FACTA section 623 ( A ) ( 7 ). They did not notify me by mail before placing a negative item on my credit report.
X/X/2017, These charges are all fraudulent. I did not make them. They must be reversed. All " SECURITY DISPUTE ADJUSTMENT '' must be LOOKED INTO and refunded to me. <P/>XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$700.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XXXX
I purchased a camera lens for {$860.00} that was falsely advertised from XXXX XXXX using a XXXX XXXX credit card through PayPal on XX/XX/18. Between XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX to resolve my issue with the falsely represented product I was sold, but they did not provide an acceptable solution On XX/XX/XXXX, I called XXXX XXXX, and they recommended that I open a dispute claim through PayPal, and I did. On XX/XX/XXXX, PayPal informed me I would be eligible for a refund if I returned the item before XX/XX/XXXX, but I would have to pay for return shipping and may be eligible for reimbursement. When I called PayPal and told them this was not satisfactory, and I wanted shipping paid upfront by seller, they suggested I open a claim with XXXX XXXX, which I did. XXXX XXXX opened up a dispute claim and requested a number of documents to support my claim, which I forwarded on a number of occasions from the end of XXXX to early XXXX. During this time I reached an agreement with the seller in which it provided shipping cost upfront, and I returned the lens -- seller confirmed receipt on XX/XX/XXXX. However, both PayPal and XXXX XXXX are refusing to give me a refund. XXXX XXXX claims I did not provide requested documentation, which is irrelevant not that the item is returned, but also will not provide anything in writing to explain how my submissions were insufficient or how that relates to their refusal to refund my money after returning the merchandise. PayPal refuses to do anything without notification from XXXX XXXX that the dispute is resolved, and XXXX XXXX refuses to provide such notification. One or the other or both are holding my refund and refusing to cite a valid reason to justify their refusal to refund my money after I have returned the merchandise.
Hello, In 2008 I went to Best Buy and ended up signing for their " My Best Buy Card '' and " Best Buy Master Card. Recently while taking a closer look to my finances I realized that they had been charging me with something call " Debt Protection ''. I tough that high payments for years were for a high APR. I never signed for that " protection program ''. I called best buy and they transfer me to the bank. They then told me they were going to send a request for my money in both cards. Then, 30 days later I got a letter in which they gave me {$30.00} back. But I had been paying for years at least is a XXXX what I want back. Then I called again asking for proof that I had signed for the program. 30 Days later I got another letter with no proof and they were giving me back {$15.00}. Then I call again and they simply told me that they were going to request again proof but is just simply a fraud. I politely asked to speak with someone who could escalate my claim, but the representative told me thats all they can do is send requests and wait. He told me there is no other department or phone number he can refer me too. This is very frustrating. What can I do? I am a very responsible person, I pay my cards every month on time. I am not XXXX those who want to get out of the deal. I just want what is fair, I am paying for stuff that I bought with high APR because that was the " deal '' and what I signed for, but is very frustrating to see that they take advantage and charge you with fees for something that I never agreed. 
I have been dealing with this for months and no resolution with them. Whats my next step. 

Thank you.
I had a FHA loan with a mortgage company who had set up an Escrow account for insurance and property taxes. Property tax was due for payment but the loan servicer did not pay it despite enough funds being in the escrow account resulting in penalty of {$160.00}. 
After the tax due date I had refinanced my mortgage and had to pay the penalty. I wrote and requested the Servicer for a refund but they denied saying that it was my responsibility and that nothing can be done as the account with them was closed.
I was never given the option to make payments based on my income. All that they did was offer me a forbearance which caused my interest to keep increasing and I was never told about any other option that I may have qualified for to pay back on my loans.
My wife is XXXX, with a number of ailments, including a XXXX XXXX. She has never had any financial experience whatsoever and does not have a clue what any of the terms mean. Several months ago, our daughter " needed '' some money for something and she suggested my wife get a title loan on the Lexus I had just paid cash for. The TitleMax people were only too happy to take the title to the car and give her less than half of what it was worth. It appears she may have gotten something TitleMax would call " disclosures '', but she did not understand them and ended up signing under pressure for a loan with 116 % APR. 

She was loaned {$5000.00}, has made {$7000.00} in payments and they want another {$6000.00} to release the title. My wife is XXXX ( was at the time of the loan ) and can not work. I am currently ( for the past year ) undergoing XXXX for the second time. She is going to lose her car after paying more than ten times what she should have paid for a short term " loan ''. Its pretty clear these people, who have very aggressive phone sales practices, are dishonest sharks that ought to be put in jail. 

Among other things, we are alleging a severe violation of UDAAP - clearly my wife was at risk and they took advantage of her age and lack of financial sophistication. We want the title back and any money already paid that exceeds a fair rate of interest. These guys are serious crooks - why are they allowed to remain in business???? They prey on the poor and those who are down on their luck.
On XXXX XXXX, 2017 I sent a certified letter to XXXX, TransUnion, and XXXX on behalf of myself and my husband regarding a Bankruptcy listed on our accounts. Per the FCRA 623 ( a ) ( 5 ) requesting validation with the original creditor. I have contacted the Bankruptcy courts and requested policy information regarding the validation of the Bankruptcy court records, as the information appearing on our files is inaccurate and inconsistent. Per the Bankruptcy court they have not only not received any requests to validate this information, they do not validate this information and they only provide the case number and name on a bankruptcy. As such there is another couple within the same county we live with the same names as my husband and I and our information is frequently confused when we have gone to assess our personal property and have received mail for the other couple from the Tax assessors office in the past. I have requested copies of the documentation used to validate this information and it has been returned to me again as verified without providing documentation. Per the FCRA 609 ( a ) ( 1 ) ( a ) I am now turning to you for assistance in this matter. And request that unless physical verification can be provided to me all information obtained in these listings which is inaccurate, inconsistent and erroneous be removed from our credit files. Instead, I am in receipt of letters stating that unless I provide new information to support my claim they will not be re investigating this matter again. The investigation never took place to begin with.
This is my 4th time contacting you about XXXX reporting inaccurate information as it continues. They are reporting an address that's incorrect XXXX XXXX XXXX XXXX GA XXXX. If this property was sold in 2017 how is this reporting as my current address. This is completely false information that is affecting my credit as well as inquiry being reported that were never made by me. 

You can contact me about this matter XXXX XXXX
I notified Dillard's/Wells Fargo Card Services that my payment for XXXX 2015 was late because of severe XXXX in the XXXX area. Dealing with the real life events in XXXX, I overlooked paying my bill. Immediately once things returned to normal I called and made the required payment and even offered to go on Auto-Pay. Dillard's/Wells Fargo card services said they would remove the late credit reporting, but have yet to do so XXXX weeks later. I do not think I should be penalized due to XXXX in my hometown and the fallout from that.
In XXXX I opted into a biweekly payment plan with Ocwen, and made my payments under the belief that I was paying down my mortgage with a thirteenth payment. In XX/XX/XXXX I made a payment at the beginning of the month, and I was in a automatic debit program with Ocwen. After the first payment in XXXX I noticed none of my payments were being withdrawn from my account and contacted Ocwen on XXXX XX/XX/XXXX to enquire why my payments were not being debited. Upon speaking to the representative he stated that the automatic debit system was down and stated that I could not make a payment until XX/XX/XXXX. In XXXX I made a mortgage payment and waited for Ocwen to request the back mortgage owed, I was afraid if I made the two payments they would just go to principle and I would still owe the 2 back payments. Around Spring of XXXX I received a call from Ocwen where the female representative stated that I qualified for help from a Maryland Agreement, and I was afraid they were foreclosing from my missing two payments, but after discussing reducing my principle the representative stated " Oh this is a VA mortgage, you don't qualify '' then she hung up. In the Fall of XXXX I received a letter asking me to opt into a review of my accounts with Ocwen, and I agreed hoping whatever happened in XXXX thru XXXX of XXXX would be revealed and I could find out what happened, I was afraid at this point they had just extended my mortgage 2 months. I recently called them after a year had passed and I never heard what happened to my mortgage review and now I know what they did, they cut off the automatic debit on XXXX XX/XX/XXXX and used my two years of biweekly payments to cover the two months the system was supposedly down so that I could accrue extra interest for those two years, and when I asked them why offer the biweekly payment plan if they weren't going to credit it to the account the representative said it was there so I could pay ahead on my mortgage ... .that is not how the product was sold to me. So to sum it up, they cut off debit, lied to me just to steal two years of principal off my account.
After hurricane Irma, received a letter from Wells Fargo, offering a 90 days payment relief, no late payments, credit report and the option of moving the relief to the end of the mortgage. Only took 60 days out those 90 days, before the due day I star calling Wells Fargo and let them know will start my regular payments expecting those two payments get move to the end of the loan. The said it can not be possible since they only service the account and need a new application and change of my terms. I was in chock and try many times to reasoning with them, specially after they were able to move those two payments on the home equity line, even try to get the name of those investors, which they never provided, those are cheap lies and they only try to either modify my loan and reset the clock back to XXXX and start collecting huge interest on the loan, or simple foreclosure my house since I start getting many nasty and aggressive letters from them. At this rate will be force to make those payments to avoid foreclosure actions on my House. They are lairs and they only thing the do is taking advantage of peoples miseries, does not matter how long or how well you pay your mortgage.
Spoke with a representative of Experian, about fraudulent items that where on my credit report, as well as wrong names, addresses and employers. I was told to send in a dispute, which i did, and it came back verified. This isn't possible, i've already file a police report, spoke with the creditors about the accounts, placed a freeze and fraud alert on my credit report, and file a FTC report. They aren't being very cooperative, i just want to protect myself from any further damage, and gets these accounts of my report which has cost me denial of credit and higher rates when i did get approved. I was totally clueless of this account until recently in XXXX when i got my credit report.