WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage was bought out by this company in XX/XX/2018. All of our information had been transferred to them including our automatic withdrawal. So on XX/XX/XXXX, they finally took out a payment. And again 2 weeks later. Towards the end of XXXX I changed our ACH date from the XXXX to the XXXX. I changed that date online and also over the phone. So on XX/XX/XXXX I noticed a payment pending through my bank which was not supposed to be there. I called the mortgage company and asked them why it was pending when the dates had been changed. The man then informed me that I not only had a payment coming out on the XXXX, but the XXXX as well. Obviously I can not make 2 house payments within a few days from each other. Keep in mind that our payments have always been paid on time with no issues. So the man said we would need to stop one of the payments and would have to do so with our bank. So I called the bank and had to pay {$36.00} for a stop draft. Well the payment didn't come out. Good news there. So on the XXXX, we did not have a pending mortgage payment. Confused because I was told it would come out. So I call the mortgage company. The same man I spoke to that told me to stop a draft, ended up answering the line. I asked if there was going to be a payment taken out and what was going on. He then informed me that because I stopped the XX/XX/XXXX draft, that the bank sent them a notice of non sufficient funds ( which I checked with my bank and according to them never happened ). So because of that I was to send my house payment via cashiers check, money order, or XXXX pay for the next 6 months. So on XX/XX/XXXX I went to my bank, withdrew {$1600.00}. I sent this company {$1600.00} and paid the {$10.00} fee to do so through XXXX. My mortgage payment is {$1600.00}. The XXXX employee said that it could take up to 3 days to process this payment. So on Monday the XXXX, I checked my account with the mortgage company. It went through already. BUT, they also took out my payment through automatic withdrawal from my bank. They did so on the XXXX. The day it was supposed to come out, the same day the man said they could no longer do that, the same day he said I would have to pay this months house payment another day. I paid {$3300.00} in 2 days. My bank account is now over {$1000.00} in the negative and I have an electric bill pending, and ( 2 ) {$32.00} non sufficient fund fees. They said they needed proof that the money came out, even though they said they could see it on their end, and proceeded to tell me that it will take 2 weeks to refund one of those payments. I have XXXX kids, a pending electric bill that is now not going to get paid, and other bills as well. And they have absolutely no sympathy, when this was their fault. These are HORRIBLE PEOPLE and this is a HORRIBLE COMPANY. They are not even accredited with the BBB and they even have a D- rating. I can see why. All they have done is XXXX us and I know we are not the only ones. BEWARE OF SELENE FINANCE. DO NOT TRUST THESE PEOPLE WITH YOUR HOME!
I have two credit cards by chase bank. Both have incorrect amounts and should be taken off my credit reports. Both have been charged excessive fees and not adjusted accordingly. Thus the balance and the minimum payments were incorrect. These should be taken off my credit report. Both accounts are closed. 


Also there is a " foreclosure '' of a house on my credit report. This has been satisfied and thus should not be on my report. It has been 2 1/2 years.
I was sued by investment retrievers for a debt that was not mine but was not able to afford a laywer so I lost. They have been attempting to collect the debt owed by a judgment. They have enforced it by seizing my property. The problem I have is there threats I know legally they can do this but I dont think they can tell me things like Ill have your CA state XXXX   lic. Revoked and youll be calling me back begging to pay your debt. They are very rude on the phone and have threatened my livelihood of me and my family. They have many times said they were going to do things to me that later on I find out they cant do. I just think its a shame that they have a judgment against me and they have to resort to theses tactics. Im a XXXX veteran with an XXXX XXXX and this is too much. I know they are enforcing a debt owed legally but can they really threating me with things they cant do and threaten me and my families livelihood.
Second attempt : as per my phone call to Citi on XXXX/XXXX/16 previous document submission was not able to be read so attached is a second copy. I will be filing complaint to the consumer finance department and XXXX for Citis lack of communication and ability to resolve issue in a timely manner. This dispute has been ongoing for months and Citi has not effectively communicated with us and despite numerous phone call and hours of being on hold. 

As per original dispute : transaction on XXXX, 2016 the original engine core Charge of {$500.00} invoice of transaction and bill with charge are attached to the original transaction pdf file. 

On XXXX XXXX Engine was exchanged {$0.00} invoice attached. On XXXX XXXX Core engine was returned and refund of {$500.00} from original engine purchase date of XXXX XXXX, 2016 should have been refunded instead my Citi Card was charged additional {$500.00}. 

I would like this situation resolved as soon as possible vendor already stated this transaction should have been a refund not a charge and Citi has not worked with me in resolving this has has provided the worse customer service ever!
NEVER GOT INFORMATION ABOUT THESE SO CALLED ACCOUNTS? FROM THE COMPANYS
I started monitoring each bureau and quickly noticed that because my XXXX XXXX DOES NOT HAVE A LIMIT any money I spend on it that should ever happen to get reported to the bureaus for the month is subtracted from the amount my other cards report this is to calculate a " FICO ''! So the FACT I HAVE A CREDIT CARD WITH NO LIMIT THAT GETS PAID OFF IN FULL MONTHLY SOME HOW BRINGS DOWN MY " FICO ''! Now the story is only going to get worse but thankfully I have over 25 pages of evidence to prove my nightmare experience! For REASONS EVERYBODY CAN NOT UNDERSTAND, EXPLAIN OR FIX! EVERYONE being XXXX, EQUIFAX AND XXXX ... as well as XXXX XXXX! There was a set monthly payment of {$14000.00} being reported and a credit card limit of {$29000.00}. The number they have been incorrectly reporting for months is my high balance for one month! Where the {$14000.00} monthly payment came from IDK! When I review all the reports I notice this XXXX XXXX shows up in the derogatory account section on all three as well! But the " Status '' hasn't been updated for the account since XX/XX/2012 just the " Balance '' has! SO based on this NIGHTMARE I STILL HAVE NO SOLOUTION TO I had to pay cash for my condo in XXXX XXXX because based on the bureaus I AM A HIGH RISK! I feel I should get the Hard inquires I got while trying to get a mortgage loan removed because the information WAS NOT AND STILL IS NOT ACCURATE! I HAVE BEEN DEALING WITH THIS FOR ALMOST A YEAR AND THEY EACH HAVE BEEN NO HELP ONLY HINDERANCE!
I checked my credit report XX/XX/2018 and saw CCI was on my credit report for {$550.00} for a XXXX XXXX bill. I still have XXXX XXXX so i immesiately called them and I was told it must be some mistake because my services from my old address were transfered to my new address so There should be no past bill of XXXX. The XXXX XXXX  employee told me that my fonal bill from the old address was XXXX and was paid. I called CCI and explained they must have me mixed with with someone else and that I never recieved any notice of a debt from them and was not told in writing of any XXXX, I simply found it on my credit years later and It cant be true. I was met with hostility and I was told It was mine. I explained why did I never receive anything from Cci at all and she didnt answer me. I called XXXX XXXX again and they emailed me a final bill and said it must be a mistake but she apologized for XXXX XXXX having the old address and she said i dont think we sent the old bill to the new house even though we had that info because we switched services over. She said I must have paid the XXXX during the " transer over '' process because It was sent to the old address. i called CCI again and they refused to explain why I was never told of debt.
I am writing you about an entry listed on my credit report which I have tried to have removed. Apparently, someone with a similar name to mine filed bankruptcy in the Federal District of North Carolina, and it appeared on my credit report. Through our dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately, it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureaus any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately or I will start charging XXXX XXXX dollars a month for pain and suffering.
In XX/XX/XXXX, XXXX sold my student loans to XXXX ( a Nelnet company ), who have shown themselves to be ill equipped to service loans from Day 1. While we have managed to work through the various errors that were made in processing my payments, one remains after several months of phone calls and emails.
XXXX has been reporting my account information as though the full amount that was transferred from XXXX was 100 % principal and no interest, with interest accruing from the day of the transfer. Given that these are nearly 15 year old loans, clearly this is not the case. I contacted XXXX soon after I received my statement of interest for XXXX taxes in XX/XX/XXXX. They were not able to resolve the issue, but assured me that they would work on it.
When I called to follow up, not only did I find that there had been no progress, but had difficulty explaining to two different customer service representatives that a 15 year old loan with 3 % interest would have more interest outstanding that what their statements showed.
Finally on XX/XX/XXXX, I emailed XXXX my final statement from XXXX which shows principal and interest balances. While they agreed that the amounts were correct, I was told they would need payment history from XXXX. In response to my inquiry on XX/XX/XXXX, XXXX asked for another 30 days. I have called XXXX to facilitate. XXXX XXXX response was that all necessary information had been passed on to XXXX at the time of the transfer and that they no longer have the information available.
At the pace things are moving, I am concerned that the necessary adjustments will not even by made in time for the XXXX tax season, one year after the transfer, and several hours spent writing emails and waiting on hold.
It is difficult for me to understand how a company as incompetent as XXXX is allowed to operate and how XXXX was allowed to sell these loans to such a company.
I am suffering from a reduction of income by XXXX % and I reached out to the servicer of my mortgage to see if I could obtain a HAMP. I submitted all of the documentation and then a week later called the representative assigned to me. In that second conversation, she advised me the terms that FHA would give- and added that a {$40000.00} XXXX lien is going to be, no she stated exactly that, " a XXXX lien has already been filed on your house for {$40000.00} '' when I 1. was not even late with a payment and reached out to them in an effort to be proactive and not reactive 2. I had not agreed to any terms of any kind including what they were offering 3. a XXXX lien without any terms agreed upon places the house over the appraised value and would prohibit me from successfully selling the home. I have decided to attempt to sell the home and file bankruptcy. The terms that they offer is of little assistance. My complaint is the placement of the {$40000.00} XXXX lien when I in fact had not agreed to anything at all in any manner and was only seeking what options where available to me.
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under the FDCPA.
I have private student loans with Wells Fargo Bank. I have a full time job that requires me to travel both out of state and out of the country, I had a gap in college attendance last XXXX. Because of that, my student loan payback was scheduled to begin. I enrolled in College XXXX to begin in XXXX, as I have approximately XXXX classes left to complete my XXXX XXXX. 

In XXXX I spoke with a Wells Fargo representative and was told if I made a payment right then, it would keep my loans out of default and then when my classes started in XXXX my loans would again go into deferment. So I made the payment they required to keep my loans out of default. I started school in XXXX and asked my college to send verification to Wells Fargo, as I was instructed to do by the Wells Fargo Representative. 

My college 's policy ( XXXX XXXX ), is to only verify enrollment after the class drop date is passed, which is 4 weeks into the semester. Wells Fargo did try to verify my enrollment - but it was before the school will provide verification. This week I received notification that my loan is in default, and Wells Fargo also reported this to all XXXX credit bureaus, which in turn lowered my credit score from XXXX to XXXX. I have worked hard to maintain a great credit rating by always paying all my bills on time. 

After receiving notification I have spoken to several Wells Fargo representatives and explained my College 's policy and requested they verify it now as the 4 weeks has passed. 
They told me there is nothing they can or will do and are proceeding with the defaults. There is no way I can currently begin paying back these loans. I followed what Wells Fargo told me to do and they still continue to process a default. My college has now provided verification of my attendance to Wells Fargo and yet they still refuse to remove the default and restore my credit rating. 

it is unjust for Wells Fargo Bank to tell me how to resolve this situation and then after I follow exactly what they instructed me to do, they do n't do what they promised to do and instead force me into default ruining my financial future.
I can't get a valid bill or account number from Synchrony.Made a purchase in XXXX XXXX XXXX on XXXX XXXX.  This involved a store credit card through Synchrony to take advantage of the 0% interest for 3 years.Reached out on XXXX. XXXX because I had not received any bills or account information and I wanted to know when the first bill would be due.I later found out that the bill / credit card had not been sent out until the XXXX but the gent I was talking to seemed to not be able to see this information and said that it must have been lost.He began the process to get me a new one and a bill.  I really couldn't care less about the card, you can only use it in the store - I just needed a bill.On the XXXX I received my first batch of mail from Synchrony including a statement (bill was not accurate, only had about half the balance it should have)  with a due date that was very early (XX/XX/XXXX)I reached out to Synchrony amount the incorrect amount owed and they told me that the account number was no good, that it had been canceled and moved to a new account.  I was at this point very frustrated and asked synchrony if I could just do this online since I needed to get payment out quickly to accommodate their due date that was not movable despite all the confusion.  They said yes but that it would require the new account number and they refused to give this to me stating that I would have to wait on it to come in the mail?!!??!?!?!Well I received a new statement the week of first bill being do and it was a carbon copy of the first statement they sent me!  same, unusable account number etc.I reached out to them today to find out what I needed to due, and they argued with me that the statement was correct - despite after checking the account number and showing a XXXX balance ?!?!?!?!
Both XXXX and Transunion are reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include serious deliquency and Transunion also includes time since delinquency is too recent or unknown. This has been reported to 3 different financial institutions this year. After each time I have tried contact both agencies, but only able to talk to Transunion. Every time I am told there are no delinquencies on my credit report. They deny supplying the adverse factors. On XX/XX/2016 I wrote a letter to both agency and included a copy of the adverse factors I received from the first two institutions. Nothing happened. I got no reply and it was again reported this month to the third institution. 
To top things off XXXX offered free creditor monitoring which I joined. The score was based on Transunion data and the key factors provided. 1. Serious delinquency - XXXX Scores consider the presence of serious delinquency ( very late payment ) on person 's credit report as a powerful predictor of future payment risk. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get these two agencies to stop from sharing false information as it is hurting my credit. We wanted to refinance our mortgage, but this 'Serious Delinquency ' has really hurt our chances. 
I am praying that this complaint will help to get them to correct this problem. XXXX is the only agency who shows my correct credit record ... never late. Because of attempts to correct this issue we now have had a lot of inquiries as it is the only way to see these adverse factors. 
please help!!!
Hunter & Warfield have attempted to collect a debt that we did not owe from an apartment community. We said there was a misunderstanding and that we do not owe the debt. The apartment had agreed to waive their buyout fee, we have a signed hand-written letter and an email from the manager of the apartment proving they agreed to waive the buyout fee previously. Hunter & Warfield is now saying that the debt we owe is for the buyout fee. We then received a letter in the mail claiming to be " verification of debt owed '' which had many inaccuracies including an address to an apartment we have never lived at, and sections from the lease that had nothing to do with the supposed debt we owe. There was nothing in the letter about how to dispute it or any 30 day time restrictions. We have tried to call the number during business hours they included in their letter to work this issue out but no one has answered. They do not have proof we owe the debt because we do n't.
In the wake of the recent data breach, I checked and found that my data had " probably '' been compromised. Financial experts on TV recommend putting a freeze on my credit so that no one can take out credit in my name. To do this I understand I am supposed to contact all three agencies. Today I tried to access the Equifax site to place a freeze and discovered that there is a {$10.00} charge for Michigan residents to start, lift temporarily, or permanently remove a freeze. No one mentioned a fee. And there is no explanation as to why a fee is being charged. I assume all the agencies charge fees. It seems to me that I am being asked to pay {$30.00} per action per freeze by the very people whose incompetence make a freeze necessary. Mark me down as an unhappy consumer. By the way, CFPB is the best thing since sliced bread. I hope the current regime lets you continue to do your important job. Blessings!
XXXX XXXX XXXX has XXXX collection agency attempting to collect on the same debt. No one has provided me with proof of debt.
In XXXX of XXXX my Mother passed away suddenly. She and I had been living in a house which was in her name since XXXX. She left me this house in her Will, which I immediately had to get an attorney to go to probate court to get the house put in my name. This did n't fully happen until XXXX of XXXX. I paid the house note by myself up until XXXX of XXXX. I tried to catch it up in XXXX of XXXX, but my payments were returned to me by Nationstar Bank. ( XXXX XXXX XXXX sold my loan to Nationstar in XXXX of XXXX, and they said I was missing a payment then, but I told them I made the payment, they just lost it. ) They hounded me and hounded me from XXXX XXXX until XXXX XXXX. This is when they sent me a letter stating they were going to foreclose on me if I did n't come up with like {$18000.00} for two months notes and fees, etc. There was no way I could do this. I tried several avenues to try to get the house refinanced and all of them fell through. My credit was n't good enough. I filed bankruptcy Chapter XXXX in XXXX hoping this would help me be able to get back on track with my mortgage payments, but Nationstar refused to work with me. I began getting threatening letters from them stating they had attorney 's who would be foreclosing on me. Finally in XXXX of XXXX I got a letter from them stating they would be putting the sale of my house in the paper three days in XXXX. I panicked and found an attorney who would help me put a stop to this. So he filed Chapter XXXX which put a stop to the sale of the house the day before. However, the house then went to the hands of the Trustee 's office for me to begin making payments to them for the house, my car and arrearages on the house. This is totalling {$1900.00} per month just to keep my house and my car. I only bring home {$2600.00}. I do n't know what to do anymore. If I cancel the bankruptcy then I lose the house and car, if I continue on with these payments ( which they are garnishing my check for ) I wo n't ever have any money for other things. I 'm between a rock and a hard place. I do n't which way to turn. 
Please someone help me. Thanks, XXXX
XXXX XXXX is being reported on my credit report as an authorized user. Please delete this account from my credit report. This is not my account. I am not an owner of this account and I have never requested nor authorized to be added as an authorized user. Delete this from my credit report immediatley
On XXXX XXXX 2016 my wife submitted a payment of approximately of XXXX to Wells Fargo. On the date, there was a correspondence mailed to our house which was " Notice of Default and Requirement of Strict Compliance '' On the document the box IS NOT CHECKED which denotes that " Wells Fargo Dealer Services is informed and believes that you are also in default. '' In other words, the letter suggests future action, but is not checked for immediate action as of XXXX XXXX. On XXXX XXXX, Wells Fargo initiated the repossession of our vehicle despite this correspondence not having the check noted for possible repossession. So, the car, according Wells Fargo 's own paper work should not have been taken. XXXX XXXX XXXX charged XXXX for taking my car and this also cost me 1 day of work, approximately {$200.00}. ( XXXX XXXX XXXX XXXX XXXX. I also had to pay XXXX for a XXXX and the time and frustration of getting my car back etc. 
Wells Fargo claims that they called me, but I did n't talk to them directly and this written compliance form is not accurate based on the actions of Wells Fargo and XXXX XXXX. 
Further than all this, I wonder : is it reasonable to tow a car out of someone 's driveway about three weeks after an attempt to make a payment, which is off by XXXX dollars? And sending a document without setting expectations for repossession? And no record of talking to me in person? I think that Wells Fargo not only broke its contract but harassed me and caused me two days of grief, even shortly after we made an effort to pay them. We had no history of not paying regularly. We have a record of some grace period payments due to over business but not an inability to pay.