WillisBack/dataset-financial-user-claim huggingface dataset:
From XXXX to XXXX we were involved in a 'workout mortgage ' with Wells Fargo due to my husband 's job loss. 

This was the most miserable experience I have ever been thru in my life. We asked for a reduction in principle due to the reduced value of our home and was denied many many times. We had XXXX Wells Fargo Loan Officers assigned to our mortgage that would not return calls, mishandled documents, and consistently had full emails or voice mails. It seemed to have all worked out in Wells Fargo favor. Wells Fargo took the money from the government and instead of reducing our principle amount, we were offered a refi with all fees and charges included, so in essence they collected from the Tax Payers in a bailout of the mortgage industry and collected from us to save our home. So today, we have an awful loan that is still screwing us. 

During this process, we had XXXX drive by inspections with notes left on the front door. I have a XXXX '' tall file of correspondence and recaps of constant phone calls and letters to save our home, but twice, they sent inspectors by the house to see if we were still living in our home. WE QUESTIONED THIS AT THE TIME, and we were told this was standard to find a note on the front door and an extra charge added to our mortgage. I kept XXXX of the notes we found on the front door concerning these illegal inspections. 


XXXX courts have declared the inspections and fees as illegal. I want these charges paid back to my loan. I do n't care what agreement you all come to and what happens to everyone else, I want these charges paid back to my mortgage loan outstanding balance. It was wrong at the time, I told them it was wrong at the time. 


We have banked at Wells Fargo since XXXX XXXX, XXXX, we set up a joint account the Thursday before we got married.. My current Wells Fargo bank statement is XXXX pages long with accounts. How do you get these people to treat you fairly? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
I have always paid my care credit on time and more then the minimum total they said I did n't acknowledge some advertising or promotion I never saw I explained it to them and they refused to take the {$600.00} they added to my credit card. I never have seen in writing nor documents on my phone stating this.
Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
These item ( s ) showing 30/60/90 days late payments are inaccurate because the vehicle that was financed by XXXX was totaled by XXXX insurance on XX/XX/XXXX. 
XXXX voluntarily stopped drafting my checking account for payment. I contacted XXXX on several occasions once they reported me 30 days late and was assured no payment was required of me and that the late payment status would be removed from my credit report. 
XXXX has made no attempt whatsoever to collect payment from me in any way. 
Please remove these items from my report. 

. 
Sincerely, XXXX XXXX XXXX
this company is reporting information twice on my profile. It is impacting my ability to get credit .I believe it is malicious and would like it to be removed as it is it illegal to report it twice
We have a loan with One Main Financial and feel we have been misled in so many ways. They are using our vehicle even though it 's already being financed through a Credit Union. They never explained how much interest we would be paying over the life of the loan. We asked for help on a somewhat different matter and will not get a response either. They are very convincing to people in bad and desperate situations. So far, we have lost about {$600.00} in fees and interest
My account was reported late on my credit report. My loan payments have been deferred due to the Woolsey fires here in XXXX XXXX Ca. This should not be reporting negatively on my credit report.
Hi there, I was one of the ~150 million affected by the Equifax breach. This was my experience trying to clean up the mess for myself.
1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation.
2. Equifax 's language is vague and misleading. Something along the lines of " you may
have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine.
3. When trying to fix the problem at both Equifax and XXXX, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar.
5. I have a {$10.00} charge from XXXX on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and XXXX 's line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for XXXX and XXXX to freeze my credit.
On XXXX XXXX, 2016, my son and I called Wells Fargo to apply for a Home Equity Loan. 
We spoke with XXXX XXXX ( Tel. XXXX ext. XXXX. ) She explained the process and told us it would take XXXX weeks to close on the loan. We told her that remodeling and updating was being done and she said that as long as it was n't a new home construction, it was OK. We were pre-approved, and were told that there would be a drive by inspection. When the inspector drove by, we were painting the exterior. He reported back to Wells Fargo that the house was under construction. After telling them that the house exterior was being painted, Wells Fargo upgraded the inspection to a full inspection of the interior, which increased the cost of the inspection and would take more time. Again we told them that the reason for the loan was to remodeling and that there were open walls. On XX/XX/XXXX, during the inspection, the inspector requested an estimate to sheet rock the walls. We emailed her the estimate on XXXX. 
The following week I called XXXX XXXX our Home Equity Specialist at Wells Fargo Consumer Lending Group ( XXXX XXXX XXXX ext. XXXX, email : XXXXXXXXXXXX ) to find out the status of our application and she told me that it was being reviewed by the underwriter. After a week, she told me that it needed to be reviewed by a XXXX underwriter. Last week, I reached out to customer service to find out the status of our loan. The agent told me that she would bring it to a manager 's attention. This morning, I emailed XXXX XXXX to find out what was going on. She called me at about XXXX to inform me that the loan was decline because of open walls in the kitchen. As a retiree, this has become a drain on me and my husband. We were taken in circles and had Wells Fargo been honest from the beginning, we could have gone to another bank. We are requesting that any fees ( including appraisal ) be refunded to us. Alternatively, we would still accept the loan if it were processed this week. Unfortunately, waiting 15 days for a response will not work given we have already been put in a position of hardship by Wells Fargo. We need to move forward with our projects, and their funding.
XX/XX/XXXX I deposited {$500.00} in my bank account. Partial Cash and Partial Check. The cash cleared immediately while the check funds were on hold. Despite the funds being in my account on XX/XX/XXXX Citizens Bank charged me {$170.00} in overdraft fees and charges and refused to waive even one of those charges. This happens on a regular basis and they have charged me nearly {$2000.00} within the past year. Citizens continues to maliciously manipulate my funds in order to charge me additional fees. If for some reason I accidentally fall short I immediately put funds in there the following morning. Citizens will then immediately charge me an overdraft charge of {$35.00} and take whatever funds I deposited in my account. My ledger constantly changes and charges move up and down the deposit line how Citizens Bank see 's fit. They then blame it on the merchant. I go to the same places daily and deal with the same people daily. The merchants are not the issue here. Citizens Bank is the issue. They are the most deceitful bank I 've ever had the displeasure of dealing with. Their employees are extremely rude and unhelpful and I for one am tired of being treated like a second class citizen just so I have the ability to pay my bills online. I find their way of conducting business bordering on criminal and their fees are highly excessive. They manipulate your funds so that they can maximize the fees they charge you. So instead of one fee they will manipulate your funds so that they can charge you three instead. This company must be dealt with immediately.
I am concerned about the collection attempts of an alleged owing balance. Over the last few months I have received numerous calls from XXXX XXXX about an owing balance on an account that I 'm not familiar with. As I do with all unfamiliar collection attempts, I asked her to send me the information so I can review and verify. On more than XXXX call, I provided her my employment address as follows ; XXXX XXXX XXXX XXXX XXXX. 
XXXX, UT XXXX XXXX XXXX I have still not received any information around this " collection '' and in my last conversation was told that I can come pick up the information but you will not mail it. That is very concerning. 

I am happy to review the claim, but I ask again that you mail me the information as requested to the above address. 

Thank you for your assistance with this matter and I wait for your information.
They are reporting I owe over {$2000.00} for a bill that is not mine. I have received many phone calls from different agents and they have all made threatening comments and have cursed at me. I have asked them to stop calling and they do not. I have asked them to remove this from my credit reports and they refuse to. I have sent them the attached letter and have had no response from them, so they are also in violation of the " Fair Credit Reporting Act. ''
THE CREDITOR SUN LOAN DID NOT APPLY MY PAYMENTS SHOWING MY ACCOUNT WAS SATISFIED.
Navy Federal has decided to practice extremely unfair mobile deposit practices. Their terms and condition state that you have to receive a approval email before XXXX otherwise it will not get processed that day. Although their customer service team clearly tells you that you can make a deposit at XXXX and it will be processed that day. Their is an approximate. 2-6 minute delay in their approval and you receiving the email. And their customer service also informed me that the approval time can take anywhere 20 minutes to 2 hours depending on how busy the bank is. By the impression your customer service gives it is clear that there is some give time in the processing time if you can submit a deposit at the very last second. This is not true. If you do not receive your approve before XXXX you will have to wait 24-48 business hours to get your check approved. No matter what time you submitted your deposit. All this is of course based of the bank time table and their app clock which you as a customer have no way of verify is correct nor do you get any sort of warning prior to depositing that it is close to their cut off time since this is a national bank that runs of EST but if you are n't in EST obviously XXXX EST would be a different time for you. So when I called and was informed their would be a two day hold on my check till tuesday I was upset and all I was told was the term and conditions were clear. Which they clearly are not since their own customer service team either 1 ) does not understand them or 2 ) is intentionally giving customers wrong information so that they will use their overdraft protection and the bank can charge a fee. Either way this huge disconnect in process time is an issue that is not clearly explained to customers and requires a lot of explanation. I have received multiple answers on the timeline of my claim. My check was approved sometime between XXXX EST and XXXXXXXX XXXX EST. No clear answer to that. The app says XXXX approved. One representatives said XXXX another said XXXX but the email was not sent till XXXX. the timeline process is horrendous and seems to benefit Navy Federal how they please
MIDWEST RECOVERY SYSTEMSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX HAVE BEEN VERY AGRESSIVELY ATTEMPTING TO COLLECT ON A DEBT THAT DOES NOT BELONG TO ME IN FIRST PLACE. THEY REPORTED A COLLECTIONON MY CREDIT REPORT CALLED MY HOUSE, WORK AND NOW CALLING MY RELATIVES AND ONE CO-WORKER THREATENING TO SEND POLICE TO MY HOUSE FOR ARREST IF I DIDN'T PAY THIS COLLECTION..PLEASE HELP THIS IS REDICULOUS AND NOW I FEAR FOR MY WELL BEING AND REPUTATION IN THE SOCIETY
My mortgage was transferred from XXXX to Green Tree servicing in XXXX 2015. I was current with payments to XXXX when it transferred. I have made XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX payments in FULL and On time to Greentree. Unfortunately in XXXX 2015 BEFORE my account went to Greentree, An additional payment was erroneously posted to my account AFTER I paid my regular payment to XXXX. XXXX realized this in XXXX 2015, and requested Greentree to take the erroneous payment out of of my account. Greentree took it out of my monthly payment amount that I had already paid on time and in full instead of taking it out of the Balance of my account. Now, greentree says I own additional money to cover what was taken out!!! I was current with XXXX and am current in my payments to Greetree, but they have charged me late payment fees, etc and no one will correct this error!! This was not my error ... Also just found out that they paid my property taxes late and I got a {$110.00} fee on my tax bill that they are in charge of paying! Help ... I ca n't get any help from Greetree and now that it is changing to XXXX, I am afraid that this will go on forever XXXX XXXX
I became ill while working as a XXXX in XXXX XXXX. As a result of my illness and XXXX I have not been able to find gainful employment. I am a XXXX year old female with failing health. My only source of income is {$810.00} SSA Retirement Benefits and {$190.00} SNAP Food Stamps from the State of Louisiana. I was forced into bankruptcy and am now facing foreclosure. I would be forced into homelessness. I feel that I am being discriminated against and punished by my mortgage company because of my age and health which prevents me from finding employment.
XXXX rewards card transferred to Capital One. Have not received new card or account number not able to pay account balance under old login and not able to pay on new account without knowing account/card number. Have been called repeatedly, XXXX times per day, and outside of normal business hours.
I financed a XXXX XXXX with Coastall Credit LLC in XX/XX/XXXX. I got out of the military on XX/XX/XXXX on an XXXX XXXX XXXX quickly and unexpectedly. I made the XX/XX/XXXX payment. For XX/XX/XXXX, I informed the company that my va XXXX from the military would be later than usual due to the circumstances. The lady told me that it would n't be an issue. I got notified that I would receive my money XX/XX/XXXX. I informed the lady at the company that it would be in on XX/XX/XXXX. On the morning of XX/XX/XXXX at XXXX, a repo company, came and repossessed the vehicle. When I called the company, the lady told me that I violated my contract with coastal credit by getting out of the military and that 's why she was repossessing the vehicle. None if the paperwork I signed said that I had to be in the military to keep the car loan. The car was sold at an auction and the remaining balance placed on my credit report. I have filed multiple disputes and the company continues to hold the account on my credit. Recently as of XX/XX/XXXX. Coastal credit union changed the amount owed from XXXX roughly to 13,000+. The car was unfairly repossessed. And the balance is remaining on my credit report destroying all possibility of getting a, new car. On top of all that, the company continues to sporadically conduct inquiries to my credit report.
My husband and I were faced with financial hardships in XXXX where we were unable to pay among other debt several debts that were referred to XXXX. In XXXX, a family member loaned us some money to try to settle our credit card debts. Some were successfully settled, however, the accounts referred to XXXX. were actively pursued by their debt collectors. When we submitted letters to dispute the debt, we never received any written information, acknowledgment or response. They intimidated us to pay the debt even when we had nothing left except money for food. On some accounts they brought lawsuits, which they knew we could not afford to hire an attorney, nor pay in full. We filed timely answers and also disputed the debts, however, on all occasions the court sided with XXXX. On numerous occasions we tried to communicate with them, and learned that in the process XXXX were not dealing fairly. Through stress, duress and coercion so that we were not dragged back to court due to no income, no gas money, and also times when we were told by XXXX that the account was settled and court was not necessary to attend because XXXX was going to vacate judgment. And we were afraid that we may be garnished with NOTHING TO PAY OUR BILLS! After that incident and XXXX 's repeated threats we agreed to pay {$5.00} to {$45.00} on various accounts. While paying these amounts either by automatic deduction or submitting a payment by check we ran into conflicts between one debt collector and another. My husband was unemployed from XXXX. We tried very hard to make the payments and continued to do so. He got a job and was employed from XXXX. He is still unemployed [ unemployment was only for 3 months ], and all we have is our social security to live on which does not meet our basic necessities. Our main issue to file this complaint now is that we received a letter from a firm named Cooling and Winter XX/XX/XXXX. They claim to collect a debt for XXXX that was " transferred to them by the referenced creditor for servicing going forward ''. OUR COMPLAINT IS : BY WHAT AUTHORITY DOES COOLING AND WINTER HAVE OF OUR PERSONAL INFORMATION? WE DID NOT RECEIVE ANY NOTICE FROM XXXX THAT THIS DEBT WAS TRANSFERRED NOR ASSIGNED TO COOLING AND WINTER. Also the balance claimed we owed on their letter is erroneous. In addition, the address on the letterhead for Cooling and Winters shows the telephone number being the same as XXXX and the address that was used for XXXX and Associates XXXX and Cooling and Winters is XXXX on the same road in XXXX XXXX XXXX. Although there was a return address in XXXX for Cooling & Winter LLC XXXX XXXX XXXX. According to these actions, XXXX and their associates and representatives continue to use deceptive practices in collecting a debt. We will not send payment until we get an all clear from the CFPB on this investigation. Furthermore, on another XXXX account, Cooling and Winter, with no authority given by us, have deducted a payment from our checking account. XXXX CONTINUE TO PREY UPON US THROUGH OTHER DEBT COLLECTORS IN ORDER TO COLLECT MONIES THAT MAY OR MAY NOT BE LEGALLY DUE TO THEM. Please help us!
ERC has been asked to please stop calling my place of employment and correspond via mail. I asked them politely..
I was working on a short sale with XXXX. They countered XXXX and my client approved. We were just waiting on XXXX XXXX approval. In the middle of this process the negotiator told me that the loan was being sold to Rushmore XXXX XXXX. I could not talk to Rushmore because the file had not been transferred. XXXX XXXX I called Rushmore and they said they could not speak to me because the file did not transfer to them yet. This process took a week and a half. In the meantime I saw there was a foreclosure for XX/XX/XXXX. I asked the representative if that would be an issue an she said no. I was finally assigned a negotiator and he ordered the BPO. However last week he told me his supervisor said that Rushmore needs 60 days to complete the short sale. I was close to getting an approval with the previous servicer and I believe it is unfair for them to schedule the short sale foreclosure sale date without even giving us the opportunity to complete the sale.
I have an upcoming foreclosure trial not set yet. Nationstar ( a/k/a Mr. Cooper ) is the  servicer of my mortgage loan. XXXX XXXX is the owner of my mortgage. My prior servicer was XXXX XXXX. XXXX transferred the servicing of my loan to Nationstar around the summer of 2009. Before the transfer, XXXX approved a loan modification and I completed the 3 trial mortgage payments. I found out about HAMP ( Home Affordable Mortgage Program ) and I applied with XXXX to try and get an even lower rate. While XXXX was working on my second modification and 2 months after I applied, XXXX transferred the servicing of my loan to Nationstar Mortgage Co. I called Nationstar, and I was told they see the HAMP application in process and that I should hear back regarding an answer on the results. About 2 to 3 months later, I called Nationstar again and I was told they knew nothing about a modification and they refused to provide an opportunity to apply as I was legally entitled to. A few months after that they sued me for non-payment of my mortgage. They lost that suit. Today I am about to lose my home on another suit by Nationstar and I've applied twice for a modification and they again refuse. I believe Nationstar broke federal law back then when they refused to follow-up with my HAMP application that was still in process mid-transfer of servicing. They ignored the law and I was denied my rights to a HAMP application and modification. I've enclosed some court documents that support my allegations here from past cases that demonstrate these happenings.
Before XXXX I was an uninsured unemployed XXXX in need of emergency medical care so I went to XXXX XXXX ( Indiana ) hospital XXXX. Resultant in a medical bill that is with collection agency named Miramed Revenue Group ( XXXX ) in amount {$910.00}. I would like an opportunity to settle this so it can be removed from my credit, please. This company has many reviews that complain about its lack of Customer Service
I set up a monthly payment plan with a credit card to pay down the loan. The company failed to withdraw twice because they claim the account amount was insufficient, I have records of my payment stubs to show that the account was more than sufficient. This is the second time an error of data entry on Navient 's part has resulted in payment error. However, the company is claiming that because of their error, I am responsible and will go into default. Every time I call to find out the issue, I am met with hostility and blame. I have followed on my end and Navient continues to make it impossible to relieve this burden.