WillisBack/dataset-financial-user-claim huggingface dataset:
I have been getting the run around from Wells Fargo for years. I submitted a complaint to your office over a year ago and they began working with me in hopes of getting a loan modification ( after already giving them over {$32000.00} towards a modification, that they are now telling me was used for " fees ''. I have submitted my paperwork and financial information to them over 20 times. My case was supposed escalated to Wells Fargo 's " president 's office " and assigned a special rep to help get this resolved after my first complaint- but that eventually led nowhere and I was told I did not have options and I should consider a short sale, which I did not want, I have always wanted to keep and could afford modified payments- now they are beginning to foreclose. This is disgusting that they have been able to do this and my home will be foreclosed upon when I can in fact afford a payment. Additionally, my {$25000.00} loan is now at {$500000.00} because of all the fees they have tagged onto my original loan ... .please help!
I have an account on my credit report that is not mine. My name is XXXX XXXX, XXXX ; my father 's name is XXXX XXXX. My birthdate is XXXX XXXX, XXXX ; my father 's birthdate is XXXX XXXX, XXXX. My address is XXXX XXXX XXXX ; my father 's address is XXXX XXXX XXXX. Our records are constantly getting confused. I have helped with making payments on this property, but it is not and has never been mine. My only mortgage since XXXX has been with XXXX.
I was giving a XXXX dollar loan with XXXX XXXX XXXX in the year XXXX. I was on time with my payments however I fell a little behind. I still kept in contact to figure out solutions that could better help me pay them back. However, I was in contact with a women name XXXX the XXXX or the XXXX of XXXX and she spoke with her manager "  guy '' and she said that he stated they would offer me a XXXX dollar settlement. They said the payment would start XXXX XXXX of a payment of XXXX and XXXX XXXX XXXX, XXXX for the last payment to seal the deal. They stated my car would not be towed. However, my car was towed before the deal began which was towed XXXX XXXX, XXXX at wee hours of the night. I called to decuss with XXXX that we made a deal for XXXX and she stated that now I would owe XXXX but they would give me a deal of XXXX to get my car back. As I read online after the car has been towed they are not suppose to charge me interest fees. Today I called XXXX XXXX, XXXX and spoke with XXXX and I told her by law they are not suppose to charge me interest after the car has been towed and she said my balance would still be XXXX plus more. But they gave me a settlement of XXXX. I only took out a XXXX dollar loan. I also asked if she could email me or send me the fees of what they are charging me and she said No. she stated they would only send me a copy of my contract. XXXX also stated once I gave them the XXXX dollar then I would get a receipt but she stated they do n't have to send me anything regarding the fees that are charging me for. I also stated to them if they sold my car they would have to give me my remaining balance after XXXX would be taking. XXXX stated that even though they gave me a deal of XXXX I would still only get the remaining balance after they took XXXX from the money for the car. I felt that their is no consistency in what they are saying they have all these different prices but they are also stating they would not send me my fees in writing or anything. The only thing they said they would send me is my contract. Then I called the tow place the tow place told me I would have to pay XXXX for my plates and XXXX for my items. They are not being fare with me. If the deal was for XXXX that 's what suppose to be the deal.
I reported on several occasions to expierian that there is a Name and Address that is on my credit Report other than mine, Someone my Name is XXXX XXXX XXXX my my ssi # is XXXX my current address is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX My old address was XXXX XXXX XXXX XXXX XXXX florida XXXX. There is someone using a name close to mine XXXX XXXX XXXX ( no Me ) address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, fl XXXX @ Geographical code XXXX
As a victim of Identity Theft, I submitted a dispute towards fraudulent accounts that were reporting on my personal credit report from Equifax, XXXX and XXXX, yet to no avail. My dispute has not even warranted a response from any of the Reporting Agencies which makes me feel victimized all over again.
This feels completely wrong and I do not consent to USAA sharing any of my information at all. The sharing of any of my accounts as a direct and proximate result of you, USAA, Furthermore, this warning is a rejection of the modification presently and unilaterally proposed by you, and any action by you to close my account due to my rejection of the terms herein proposed will be responded to by me with a class action lawsuit for XXXX XXXX of Contract, violation XXXX, etc. Thanks Please communicate by mail only, do not call.
I am the personal representative of XXXX XXXX, who passed away in XXXX and had a mortgage loan with Seterus ( loan number XXXX ) that was satisfied by a short sale in 2014. I called Seterus in XX/XX/XXXX to request that they mail me a copy of the XXXX that was issued. When I did not receive it, I called again on XXXX XXXX, and again on XXXX XXXX, and again on XXXX XXXX. During the conversation on the XXXX, Seturus told me that they would fax the form to my accountant, but he never received it. I need the form so that the accountant can file the final 2014 federal tax return. Since Seterus has been unresponsive, I am requesting your assistance. Thank you.
I use online banking for bill paying. A payment went to my son 's apartment for his rent and was apparently stolen since the facility never received the check. The funds came out of my account and the check was clearly not endorsed by the facility as previous checks had been. I called Sun Trust fraud XXXX XXXX to explain this issue. I have called, gone into the branch numerous times and still after calling today have no resolution. I had to pay the rent again since the facility needed the payment. I am out the {$710.00} and Sun Trust keeps giving me the run around as to why I was not refunded the money.
On XX/XX/XXXX, a mobile deposit was made by me to my XXXX XXXX XXXX checking account for the amount of {$4600.00} On XX/XX/XXXX, XXXX   indicates the same check was 'negotiated ' at Wells Fargo On XX/XX/XXXX, XXXX debited {$4600.00} out of my checking account saying the debit was being made to 'reverse deposit made on XX/XX/XXXX as duplicate item '. 

There was no 'deposit ' made to my checking account on XX/XX/XXXX. 

As such, there is no 'reverse ' deposit to be made. 

Secondly, the original check I deposited through phone was destroyed after the initial deposit was made in XX/XX/XXXX. As such, there is no way a physical check could have been presented to Wells Fargo by another person, almost a year later in XX/XX/XXXX. 

Thirdly, even if the check was presented to Wells Fargo somehow, it is not clear how the check presenter 's ID was verified and confirmed. As I've never attempted to make a duplicate deposit with the same check. Again the original check was destroyed back in XXXX, XXXX. 

The original check was issued by XXXX XXXX XXXX XXXX ( XXXX ). According to their investigation, the duplicate check cam to XXXX via banking channels thru routine clearing. No individual presented the check to them and physical check never got to them. 

XXXX did not honor this check. Per XXXX, on XXXX, when the same check was presented they didn't honor it as it was duplicate. But somehow, the check was 'deposited ' to Wells Fargo account belonging to New Jersey Department of Revenue Services and the fund was withdrawn from my XXXX checking account. 

In summary, somehow a dubious, duplicate transaction was made using the same check ( or image of the check ) I'd deposited in XXXX, XXXX. XXXX   'reversed ' this transaction in XXXX, XXXX without my authorization. It is not clear how the physical check was presented to Wells Fargo as this is not possible. XXXX claims no responsibility. XXXX says they do not know what happened because this is a transaction made between XXXX and Wells Fargo. Meanwhile, the deposit stamp on back of the 'physical check ' indicates this money was deposited to an account held by New Jersey Department of Revenue Service . Lastly, it is not clear image of the check presented the 2nd time is actual copy of the 'physical check ' or mirror image of the picture taken back in XXXX, XXXX. 

XXXX and XXXX are claiming no responsibility for this transaction, even though there is no clarification as to how the duplicate transaction was attempted, to whose account the money was sent to and whether there was any validity to the 'reserve deposit ' transaction claim they've received from Wells Fargo XXXX
It was brought to my attention a few weeks ago that i had an account in collections. I contacted XXXX XXXX that same day to see why they were reporting that I was in collections. I was hesitant to give them my personal information because of all the scamming going on.I gave them my name and nothing came up.I then gave them my address and got the same results ... .nothing.I gave them only my last four of my ssn and they found it.I then discovered why they could n't find me, all the info they had was incorrect except for my ssn.I told them i wanted it disputed right away. I was told to was 60 days for a response.I cant wait that long, its ruining my perfect credit. I 've call every week since and still no updates.They just hang up when I ask to speak to a supervisor!!!!!!
EQUIFAXXXXX XXXXACCOUNT SHOWING COLLECTION/ CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
XXXX , Dept of Ed/ XXXX ,   XXXX   Univ   XXXX   XXXX  , and   XXXX   XXXX   XXXX   have been on my r eport original report for 7 years and according to the Fair Credit Report Act negative reports legally need to be removed, but  XXXX ,  XXXX  and   XXXX   have illegally manipulated the original 7 years to make it like it was n't as long so that my information would remain on my credit report illegally and fraudulently. The credit reports need to remove all the student loans from my account because it has been 7 years since they were reported since    2010. They also doubled up on all my loans to make it look like I have double the loans that I have and it is fraudulent illegal information that needs to be removed but they wo n't do their job. Also there have been missed payments since 2010 and they put letters in later that are not clear that do not make sense since I did not pay anything 2010 u ntil recently I consolidated my loan with  XXXX   XXXX   XXXX . Also the missed payments keep changing first they were 3 months and then keep increasing every time I ask questions illegally. The credit reports state " Worst Credit Ever '' and it is not true all loans were consolidated last year in excellent credit by  XXXX  and  Consolidated  by    XXXX   XXXX   XXXX    in excellent credit. The credit reports state derogatory, negative and delinquent accounts which is not true at all they were all deferred payments and never missed payments they were missed deferment payments.  XXXX  stated that they did mention I had excellent credit which is a total lie because there is nothing on my credit report stating excellent credit ( see attached ). The credit reports state negative which has my credit report so bad that it has made me live in situations that were very unsafe and unfair. The student loans need to be deleted after 7 years of fraudulent incorrect manipulated information as soon as possible. ( see attached    XXXX   XXXX   XXXX   p aid off all loans in excellent conditio n ) ( See   XXXX   XXXX   XXXX   lette r states excellent condition of student loans but excellent credit status for student loans is not on my credit reports anymore with student loans )
Received response to my CFPB complaint against XXXX XXXX XXXX about account reported on credit files. XXXX investigated and determined the account is not mine and is fraudulent. 

Follow up to Complaint against Equifax CFPB # XXXX
XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$5700.00} with Experian, XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however XXXX XXXX  failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX t
hat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Also consumers were not informed in a timely matter as the company kept news of this breach secret for weeks! Further putting the consumer at risk while trying to save their own hide. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
In  XXXX  I refinanced my second mortgage with  XXXX   ( {$40000.00} ). Th ey told me my interest was hig h ( 12.8 ), but if  I made every payment fo r six months,  they would give me a lower rate. I made every payment for a year, then went in to get it reduced. I was told, ' Oh, we do n't do refi 's! '. Then, someone else took my loan, in  XXXX  I think, and I was paying  XXXX . I called them, explained my situation, and nothing was done to reduce my interest.   NOW,  SPS h as my loan, and my Principal is {$42.00},  XXXX !!! I 've been paying this loan fo r ten ye ars and I am going backwards!!!!!
SLS has not applied two payments made on XXXX/XXXX/2016 and XXXX/XXXX/2016 to our mortgage account. Both payments were made electronically using a service called XXXX. We have paid our mortgage payment using this same process for over 5 years and have not had this issue in the past. We have contacted them numerous times ( 10+ ) and submitted documentation showing the money has come out of our checking account yet they have not given us credit. They have not called us once since our initial call on XXXX XXXX and have not acknowledged receipt of any of our documentation until I call them to verify that this documentation has been received by them. I have had to pay XXXX additional monthly payments for the two months ( XX/XX/XXXX and XX/XX/XXXX ) to get the account out of arrears and requested this amount of {$3600.00} ( equal to two months of payments ) be refunded to us since I have paid XXXX payments for 2 months. No one is taking responsibility to get this done. Their billing statement has a " Error XXXX and Requests for Information '' section which references that borrowers have certain rights under Federal law relating to resolving disputes and says you can learn more about this on their website but there is nothing that I can find on their website that gives information on this. They also list their phone # but when I was talking to XXXX, a Supervisor in Executive Services Department he did n't answer the questions I asked about them having 30 days to resolve or respond to my inquiry and request.
I was constantly sending in documents to qualify for a workout solution. 
I live with my family and we are all working in resturants I tried to better myself and help my family by investing the money from my job into the business so I could always have a job. I only had a 20 % investment into the business. 

One of the representatives said I did not need to show the taxes from the business another said I did, after sending over 50 pages of the business tax returns they told me I did not earn any more and could not afford my mortgage. 

They made me go to a Wells Fargo Bank to sign my documents. Every thing they could do to discourage me from working to save my home they did. 

I say that I have been denied because of a Computer Glitch and hostile workers in Wells Fargo.
Lexis Nexis is reporting an inaccurate public record. It is a Chapter XXXX Bankruptcy. Also, I have frozen and suppressed my Lexis Nexis Consumer Report, but Lexis Nexis continues to report information without my consent to XXXX, XXXX, and XXXX. My rights are being violated under FCRA.
I refinanced about a year ago, and the terms of my new loan do NOT require any mortgage insurance (PMI).  Despite this fact, I recently discovered that my bank has been withdrawing about $XXXX a month from my escrow account for the past twelve months.  And - based on the statement they mailed to me last month - they planned to continue to do so for another year (or longer - as long as they could get away with it, I presume).

(Like most escrow accounts, my escrow account is supposed to be used for home insurance and county taxes.  According to my statements, these payments appear to have been paid out correctly.)

When I called the bank, I was told that they couldn't just return my money and stop any future withdrawals.  Instead, they added a "replacement reserve" entry to my monthly payment, a credit which matches my "mortgage insurance" entry that just started appearing on my statement.  (Neither of these items were on my statement until this month's bill.)  Additionally, I have a XXXX new item on my statement - a "shortage" of about $XXXX.  That's right - my bank wants *me* to make up for the XXXX shortfall in my escrow account, a situation that *they* caused by incorrectly withdrawing my money!

The only reason there is a shortage at all is because of their incorrect withdrawals (last year) combined with their estimates for the coming year (which they shouldn't be doing in the first place), which together cause the "projected" balance to drop below the required minimum.

(I'm aware that my taxes and house insurance have risen slightly.  But this should only raise my payment by about $XXXX per month, not $XXXX.)

I've tried talking with multiple bank representatives, and they've explained the "replacement reserve", but they don't seem to be able to remove the so-called "shortage".  I've been told to just pay the extra XXXX shortage this month, and that the PMI would be removed next month, but I've already been told a bunch of things that didn't happen to this point (including that this would already be fixed by now).
XX/XX/2007 XXXX XXXX XXXX XXXX XXXX {$39000.00} This loanwas transferred to AES American Education Services My loan stated about 22,000 and beed {$39.00}, XXXX for many years.All the mony I pay goes towards interest only. I asked them to lower the interest rate. They informed me that they do not refinance. 

I went to XXXX XXXX XXXX at XXXX XXXX Univ. My contract I was to get alife time re-training. However, I never finished the school. 

I am having a hard time finding anyone that will refinance these loan.Can you provide me with a list of companies that will refinance? Mt current interest rate is 8.25 %. 


I will provide document upon request. I do not have much.
Different people from the phone number XXXX keep calling family members and friends, looking for me. They are asking for personal information and refuse to identify themselves or their company. They say a " complaint has been filed against me. '' All my bills are paid and are up to date. I have received no notices from anyone stating I owe them money. I want this harassment to stop. If they think I owe an debt then send me something in the mail and proof of any debt you think I owe. I found them to be debt collection agency by looking up the phone number on line.
I am writing this letter to file a formal complaint against Gateway One Lending & Finance. On XX/XX/XXXX I purchased a car using XXXX. The contract was quickly assigned to Gateway One Lending. On XX/XX/XXXX I had a car wreck. My car was immediately taken to XXXX. The repair bid is attached. The insurance carrier and Gateway had a conversation regarding my car being totaled. But upon the insurance carrier speaking to me, I was told the car would be repaired. On XX/XX/XXXX I spoke to XXXX at Gateway. He informed me that it did n't matter if the car could be repaired, that Gateway does not finance totaled cars. I immediately went out to purchase a new car. See attached sales contract. My wrecked car was still in the shop being repaired and was completed. The insurance company paid for the vehicle. Gateway was informed. They later came to pick up the car and sent me letters stating I was liable for the difference. See attached letters. 
I am a person who pays her bills. I have excellent credit reflecting that I pay my debt. I stopped paying this car only after I was told they would no longer finance my car. 
At this point I have been dealing with this matter for a year. I am not asking for any emotional or financial damages. I only want the item removed from my credit report. 
I hope you can assist me in this matter. I am trying to avoid filing a law suit against Gateway.