WillisBack/dataset-financial-user-claim huggingface dataset:
I got a scam call about my student loan Yes this is XXXX XXXX and I'm calling in referenced to your Federal Student Loan. I need to discuss your repayment options with some new changes that have taken effect recently. So, if you could please be sure to give me a call back, my number is XXXX. And I am going to give you a reference number, if you would please have this handy when you call back, that would be very helpful. Your reference number is XXXX. Thank you! ''
XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX, CA XXXX. 
Tel : XXXX Email : XXXXXXXXXXXX XXXX/XXXX/XXXX XXXX XXXX, Loan Care, XXXX XXXX, XXXX XXXX, VA XXXX XXXX : CFPB Case Number : XXXX Further to my letter XXXX/XXXX/XXXX for the above captioned. I am angry to learn that you continue to mess up my account in sending out erroneous information. 
You should have noticed that there were XXXX letters sent to the addressee from the same office, XXXX dated XXXX/XXXX/XXXX, indicated that the monthly payment was 30 days past due ( Exhibit XXXX ), while the other XXXX from the same office of the same date, indicated that monthly payment date was two months pass due ( Exhibit XXXX ). Your letters failed to indicate which monthly payment was 30 or 60 days past due. Apparently, the left hand does n't know what the right hand was doing. You had been informed of the mess-up at least XXXX times, previously by letters, and all were informed via the courtesy of CFPB, yet your office did not improve a bit towards the servicing of your customer. It is evident that there is serious break-down within your office communication ... ... ..
On XX/XX/XXXX I phone and received written confirmation that my loans were deferred and not due until XX/XX/XXXX. Shortly thereafter, I received an email that states the same : " Your payments will resume on XX/XX/XXXX. '' On XX/XX/XXXX I received another reminder email stating that the date was now on XX/XX/XXXX. On XX/XX/XXXX, XXXX and XXXX  were notified that my account was no longer deferred which negatively impacts my credit report. 

I called and the agents and supervisors argue with me and state that they are not obligated to provide anything to me in writing. I need this issue addressed immediately.
Wells Fargo not allowing me to work out my Single Family Owner Occupied Home they have XXXX XXXX records with the assignment of Titles on numerous times. 

I am a XXXX XXXX XXXX divorced women caring for my XXXX yr old mother and my XXXX old daughter. We all XXXX in My home i 've purchased back in XXXX Closing Took place in my Kitchen table unknown to me. I was approached by a family member in XXXX who stated i should Take a Mortgage out with Wells Fargo XXXX who became a broker for them ) and they did it within XXXX it was unfortunate and was a Adjustable Rate for high risk person ( I had a good mortgage never late with previous co XXXX XXXX 'S XXXX gave me a BAD adjustable rate and recorded XXXX 

I Need to keep my single family XXXX XXXX home and HOPE they will provide me a XXXX XXXX. I have attended a XXXX party group affordable housing hud councilor which will help and guide me to modify mortgage
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXnquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
In XX/XX/XXXX, we had received a promotional offer from Wells Fargo on our email as we are customers. The offer was for a Balance Transfer with these terms : 15 months interest free ( 0 % ), for a 5 % fee. 
We have kept the email with the offer. We called on XX/XX/XXXX, and requested this offer. On XX/XX/XXXX, we noticed that we were being charged interest on this transfer. We called Wells Fargo and talked to Supervisor XXXX. He looked into it and said the request had been improperly processed as a Cash Advance. He told us that he would submit it for correction. He said to give them a few months and we would see the correction made. Meanwhile, he advised us to make minimum payments until it was corrected. We waited until XX/XX/XXXX and called back because nothing had been done. We talked to XXXX, who said it was a 'bucket change '. He switched us to XXXX in Customer Care. Then we were switched to XXXX, who said the Case Manager, XXXX would call us within 24 hours. We received no call. We called back XX/XX/XXXX and were told that XXXX had tried to call, but our line was busy. Our call history showed no missed call. We were told that XXXX would contact us when it was resolved. It has been six months, and we feel they are not going to help us. Meanwhile they are charging us interest as if it is a Cash Advance at 23.99 %.
I had a car loan from capital one auto that was charged off in early XXXX. I entered in a settlement agreement in late XXXX to payoff {$2500.00} at {$150.00} a month. Capital one auto never updated my credit file with any of XXXX reporting agencies to reflect the new status. When i called capital one auto, they stated that they would not report the " true '' status until it was paid off. This is a clear violation of the consumer trust by refusing to report a positive status to the credit reporting agencies as away to maintain power over the consumer. I repeatedly asked them to update, they would not. Finally, i told them that i could no longer pay and they immediately reported my charged off account as 'delinquent '. They would not report a positive status but wasted no time in reporting a negative update which has harshly impacted my credit. This is a predatory practice and they should be sanctioned.
I had 2 late payments because i never received the bill. I changed my address with the company but still never got my bill. This caused the payments to be late. They have also said they would work with me on the late payments but haven't removed them.
Mortgage company was notified of failure to pay property taxes on XX/XX/2017. Multiple phone calls were made trying to find out when a check would be cut. XX/XX/2017 was told it would be paid before the XX/XX/XXXX. Called today XX/XX/2017 and was told it was still being researched and would not be done until XX/XX/XXXX. This is the opposite of what I had been told all month long. Now no one will send me an email stating I am not responsible for penalties after XX/XX/XXXX nor will they confirm when property taxes will be paid. I want property taxes paid by XX/XX/XXXX and if not possible I want in writing stating I am not responsible for ANY FEES OR PENALTIES for lack of timely payment. So any FEES OR PENALTIES after XX/XX/XXXX are the mortgage companies to pay. I need my taxes paid now.
I am a victim of identity theft. The following XXXX XXXX credit card account : XXXX do n't belong to me. It 's not my account.
I have sent a  total of three letters each to  XXXX , Equifax, and  XXXX  that I wanted verification of the " public records '' showing up on my credit report. I have letters from the court systems that they do not verify, which I have sent a copy of with each of my letters. They keep on coming back and saying they have " verified '' it. One eve n goes so far as to say they verified with  XXXX . According to law, they have to verify with the listed entity. I have tried to explain this to them, but they still refuse to remove it.   XXXX    removed the public records, but put them back on within a couple of days and did not send me a letter that they were " reinserting '' it on my report ( also a violation ). I would like help from the cfpb on this situation since I am obviously getting nowhere with the credit bureaus.
Transunion continues to report that XXXX of my loans from XXXX XXXX are filed in bankruptcy. All XXXX loans were paid, never late and in full. I have provided them with a letter from XXXX XXXX that states these accounts are being reported incorrectly. Transunion sent me a letter stating that the information would be updated correctly and sent a new report with updated information. Now, a few months later the report is saying included in bankruptcy again. I have disputed this multiple times. They will no longer accept a dispute online. I have to mail the same information to them over again. This has caused me multiple credit denials in the last few months. I want to know how to fight this once and for all.
On XX/XX/XXXX I completed a Student Loan Consolidation with XXXX XXXX XXXX XXXX XXXX. Every month since then the monthly payments are automatically deducted from my checking account. On XX/XX/XXXX I  received a Credit Alert stating that my score had dropped from XXXX to XXXX because my student loan payments were 90 days late. I contacted the XXXX XXXX XXXX and they said that my account was due for a recertification. I asked why I had not been notified and the representative did not have an answer. On XX/XX/XXXX XXXX XXXX XXXX sent me a notice to recertify. 

The payments have been made every month and yet a report was filed with the credit reporting agencies stating that I was 90 days behind. I believe that XXXX XXXX XXXX XXXX XXXX is responsible for this negative action. In addition to my monthly student loan payments I pay them to handle my account. They failed to do the work and notify me when it was time to recertify. This resulted in a drop of over 100 points on my credit reports. I need them to take care of this and get my credit standing to where I keep it.
I have been struggling with my student debt since XX/XX/XXXX. In 13 years I was never advised repayment options by XXXX or navient. I was only advised that I could keep asking for forbearance and deferment. I discovered consolidation and income based repayment myself after I filed bankruptcy. Now my debt has doubled since XX/XX/XXXX. I was never advised about the income based repayment and even then this increases my balance by XXXX every mth. I filed BKXXXX XX/XX/XXXX and filed a complaint with Ombudsman that required they remove all payment history form XX/XX/XXXXto XX/XX/XXXX and they refuse. I would like this acct investigated since it opened. They benefitted from my hardships and now I have 3 closed accts that reflect negative on my credit when I have been diligent in rebuilding my credit. When I call Navient they tell me it 'll be resolved and someone dropped the ball.
I received a letter from Portfolio Recovery Associates dated XX/XX/2018. I have spoken with and been assured that XXXX will not contact me in any way. As I am severely XXXX and on XXXX, there is no possibility that they will ever be paid. I indicated that on the phone and they assured me they would not contact me again, in any way for any reason. 

I have written to XXXX over the years requesting the same thing, no contact, yet they continue to contact me. Admittedly, the contacts have reduced to only once every several months, but they still contact me. 

Please, No more contacts. I can't pay and have made my situation clear and agreed to send them my XXXX benefits letter if they wanted proof, which they have not wanted.
Please stop trying to collect a debt that was charged off and I received a XXXX and charge off from capital one many years ago
My previous mortgage was given to Selene Finance from XXXX XXXX. In as of XX/XX/XXXX Selene Finance put on my credit report that I had late payments in XX/XX/XXXX and XX/XX/XXXX. As you can see below from Selene 's  own information payment was cleared for XXXX on XX/XX/XXXX and the entire balance was paid on XX/XX/XXXX. Both are well within the time frame before it would be considered late. I have never been late with my mortgage payment and have not been late on any payment at all since XXXX. I have fought with Selene Finance to correct their mistake which they continue to deny and refuse to update with the correct information. This is now impacting my family and I being able to get another mortgage to buy our family home. I pray that you are able to assist me in anyway in getting this corrected. 
SELENE FINANCE PAYMENT HISTORY Date Amount Description XX/XX/XXXX - {$220.00} Escrow Disbursement XX/XX/XXXX {$20.00} Payment of Fee XX/XX/XXXX {$180000.00} Payoff XX/XX/XXXX {$20.00} Assessed Fee XX/XX/XXXX - {$1600.00} Insurance Disbursement XX/XX/XXXX {$1200.00} Payment XXXX ALERT FOR SELENE FINANCE XXXX XXXX XXXX XXXX XXXX
To : RISE Re : Complaint for Loan Number XXXX XX/XX/2016 To whom it may concern, I am a visually impaired person, with a monthly income of less than {$900.00}. I can surely say that I had no idea that the monthly installment would not be applied to the principal loan amount. After my aid read to me just a few days ago that I was not paying off the loan all of the money was going to interest and only {$19.00} was applies to the principal. Not to mention I clearly understand the terms of RISE loans. But I do not have that kind of money. I am requesting that you cease deducting {$520.00} from my bank account effective XX/XX/2016. The loan amount to my understanding should have been paid in six month, according to my understanding. 
How I was able to allow a family member to utilize my information to obtain this loan? On the other hand I am not mentally or financially able to pay this overpriced loan on a fixed income. Abused my medical condition and scared I into this position, while she works for XXXX and promised to pay RISE it back in full. No response from her, since I paid all her bills with the loan. 
I have struggled for the last five moths giving RISE most of my income, and I can not make the rent, utilities, or food.
I noticed that some company XXXX XXXX XXXX put a notice statement on my credit report. This company does not have the right to put comments on my report and I never did business with them and also the bureau allowed such statement from this company to be put on my credit reporting without my authorization and never notified me of such a comment. this is illegal also being that this company does not give me an address or number to address this complaint. I want this removed immediately or legal action will be taken.
On Monday XXXX XXXX 2019 my husbands debit card that he had possession of at the time was used to withdrawal {$200.00} from an ATM on the south side of XXXX. The bank notified my husband right away. We cancelled his card & had to wait two weeks for a new one plus had to go into the bank to get a new PIN #. The bank refunded our money the next day. About 3 weeks later we received a letter stating that our claim was closed & determined we authorized the charges which would lead to them removing our money they returned to our account. My husband got on the phone right away and they said don't worry about it we will look into it. On the XX/XX/XXXX they did in fact remove the money. He was on the phone with them twice, I was on the phone with them, and ended up calling our local XXXX branch & spoke to the manager. The customer service & fraud stated that because it was an ATM we used it. I said please tell me how someone around XXXX XXXX at night on the south side XXXX at a laundry mat used our card while we were at our HOUSE in XXXX, IL. We were in the city a few days prior at my in-laws house in XXXX XXXX. The north side of XXXX. We used the card at XXXX XXXX down the street from the house twice, XXXX down the block twice, and at an organic cafe called XXXX in XXXX. No one is helping us and they have denied our claim TWICE. I feel like I was not only robbed by a thief, but by the bank as well. An establishment that my husband and I have been with for over 10 years. We also keep a pretty good savings account with them. That money that was taken was hard earned money that we use to live off after our bills are paid. My husband signed an affirmative that was notarized by the branch manager that she is submitting. He is currently trying to call our phone provider XXXX to get a document that shows our location of being at home the entire day Monday when the money was removed. He also has proof in our bank account of using his card at a few places in our town!
Due to financial crisis, we are behind in our mortgage payments. XXXX refused to take our mortgage payments. They jacked up our principal balance by adding up late penalties and legal charges. They agreed to modify our loan but added up the fore board charges which made the loan amount truly unaffordable, however, the property value appraised for {$600000.00}. The attached letter is self explanatory.
I had a credit card with TD Bank, and set it up with autopay. I had the autopay removed so I could control my bill paying better. I was informed that the autopay had in fact been removed. In XXXX, I remitted the amount for my monthly statement. The same day TD bank took, the monthly statement amount, plus the amount for all current charges, which totaled XXXX. I contacted them, and they verified that the error was theirs, and that a refund would be issued with 5 to 10 business days. After phone calls on XXXX XXXX, and XXXX XXXX, I got the same response. As of XXXX XXXX, I do not have the XXXX refund, which they said would be another 5 to 10 business days. I want my money ... ... ...
I have disputed this account twice and requested validation not verification of this account. I just keep receiving a bill with my name and balanced owed. I have no knowledge of this account and requested my signature on documents that obligates me to pay the bill. I also requested delinquency date for this account as it has bee n RE  AGED several times without notice to me. Im requesting that they send me the requested information or delete the account from all  XXXX  credit bureaus immediatly.
I sent a dispute letter within the 30 day period. They received the letter on XX/XX/XXXX at XXXX. They called XX/XX/XXXX on my Daughters Cell phone who is XXXX years old at XXXX : XXXX XXXX so my daughter answered it and I told them that the dispute letter was sent and that they need to stop calling. They called again on my daughter 's cell phone on XX/XX/XXXX at XXXX and I have no response to my Dispute letter. I believe under the fair Debt act that they are suppose to stop calling until I receive the response to my dispute. I also told them to stop calling my daughters number.
On XX/XX/XXXX, I received a garnishment order in the mail from the Department of Revenue of North Carolina. The order was issued on XX/XX/XXXX. On XX/XX/XXXX, I was sent a notice from Wells Fargo that they withdrew {$270.00} from my account, and charged me a {$120.00} " bank fee '' to withdraw the money. 

I have many issues with how Wells Fargo has handled this garnishment order : 1. The notice that they sent to me does not specify that a hold has been placed on my account for those funds. It says the funds have been withdrawn from my account. Possible UDAAP violation ( Attaching copy of notice ). 

2. The notice does not provide the phone number for the XXXX XXXX XXXX department. Instead, it lists the phone number for Wells Fargo Customer Service. When I called the number listed on the notice, I was told that I needed to call XXXX XXXX XXXX to get more information on the matter and was given the phone number to contact them. If I need to call them to resolve an issue, their phone number needs to be provided on the notice sent to the customer. This is a clear UDAAP violation. 

3. When I first called Wells Fargo Customer Service, I told them that I wanted to see a copy of my account agreement, specifically where they specify that they will charge me {$120.00} upon receiving a garnishment order in my name. They told me to talk to XXXX XXXX XXXX. XXXX XXXX XXXX was not able to send me the account agreement, and told me that I needed to call Customer Service back. I called Customer Service back, and they informed me that they could n't provide the agreement. I asked to speak to a supervisor, because this is a clear violation of Regulation DD ( 12 CFR 1030.4 ( 2 ) ( 1 ) : A depository institution shall provide account disclosures to a consumer upon request. If a consumer who is not present at the institution makes a request, the institution shall mail or deliver the disclosures within a reasonable time after it receives the request and may provide the disclosures in paper form, or electronically if the consumer agrees. ). I was told again that I could not receive the disclosures through Customer Service, and I told the supervisor again that I understand they did n't have the capacity to send them, but that not being able to send them is illegal. He escalated me again, and someone told me that there was difficulty sending the agreements because I am a XXXX legacy customer, and that someone would call me back tomorrow with more information. Someone without my knowledge of consumer regulations would not have been able to get those escalations. This is both a clear Regulation DD and UDAAP violation.
I pay my mortgage to Specialized Loan Servicing ( SLS ), and recently I received a Notice of Default, for not making mortgage payment. Although, I have made my mortgage payments. I am aware SLS has me sending my payment to a XXXX address, although they are located in XXXX ; while I am a resident of XXXX. 
I have had issues with SLS, before due to them not sending me mortgage statement since I had a bankruptcy, and not allowing me to send my payment through online banking check instead of by mail ; which always seems to delay the process, and probably has accumulated late fees, but I would not know since I do not receive a mortgage statement. 
Overall, no reason for SLS to be sending me Notice of Default ; when they are at fault for not tracking my payments correctly.