WillisBack/dataset-financial-user-claim huggingface dataset:
I got restricted phone calls on XX/XX/ 3 times within half hour to call a number with a case number that someone was going to serve me from an account in XXXX with wells fargo. They also called on XXXX and left a voicemail to call a different number with same case number. I usually do not answer restricted called but they kept calling me repeatedly. The numbers are XXXX and XXXX and it's the same guy and refused to give me his name or any information. Threatening that I will be having court and getting served.
Loan modification began in XXXX of 2015 ; out company XXXX sent in a complete modification packet and the bank began processing the application. The bank is refusing to grant a modification because they claim that the client make too much money. However, the bank has refused to take into account the fact that the client incur unreimbursed employee business expenses ( per their tax return ). Despite Wells Fargo 's usual custom & practice of allowing unreimbused employee business expenses to reduce the income valuation, Wells Fargo has for some reason refused to do so in this case. They have, instead, gone ahead to schedule a foreclosure date of XXXX XXXX 2015 without any reason for doing so. They claim that because they have sent the client 's file to a " Reentry Team '' which has imposed an absolute bar on the file getting approved for a modification. 

Wells Fargo has, for no valid reason, violated the client 's right to a Fair Review Process and have rejected any reasonable avenue to avoid foreclosure on this home. Every time our company has spoken to a Wells Fargo Loss Mitigation agent, they have always been bent on having the foreclosure process completed.
I called on XX/XX/XXXX to pay off the balance of my bank of america secure credit card. the balance at that moment was {$450.00}. They used my {$300.00} that I had initially paid as a secure deposit and the only amount that was due was {$150.00} I made this payment on XX/XX/XXXX and was told from the bank that it was going to take between 7 to 10 business days to the secure deposit been post on my account. I called at the beginning of XXXX just to follow up and make sure everything was as schedule and the agent that assist me told me that no one had requested to apply the {$300.00} secure deposit on my account. At that point I was very frustrated and requested to speak with a supervisor. This person told me that he was going to fix the issues and I did n't had to worry anymore. However due to their system I still need to wait the 7 to 10 business days for the money to be posted on the account. He specific told that the issue was going to be solve before the end of the billing cycle on XXXX. I went to check my account today ( XX/XX/XXXX ) and nothing has been done. I called AGAIN, and after several people, and having to explain one more time the whole situation again they told me that nothing has been done! I 'm beyond upset and frustrated at this point! How come a company this big as Bank of America treat his costumers like this? How come is so difficult to solve this issue? I can not understand. I work with costumer service for as long as I can remember and I never felt so insignificant. I feel they do n't care about me or my issue. For them I 'm just a number.
I have received numerous calls from this company. They do not ever say it 's an attempt to collect a debt, they call me after requesting them not to, and they are harassing and bullying. I asked for proof of the debt and got an email stating a XXXX card and an amount, but I have not been contacted about this debt at any point in the last 5 years. I have no knowledge of actually owing this debt. They tell me they will contact my HR/payroll department at work and take my wages, although there is no judgement against me for this supposed debt. They have stated this over and over for the last month and no action has ever been taken. It appears they simply want to harass people into paying without proof. I have also asked them to not contact me and they still do. When I question their tactics or way of doing business, they hang up on me and call back later.
Using an automated form field from a website where I frequently make purchases, I inadvertently charged XXXX purchase to my Key Bank MasterCard. I did not receive any bills or payment due notices from Key Bank regarding the outstanding balance on this card. ( This did n't seem odd, as I do n't normally maintain a balance on this card, so I was n't expecting a bill. ) Key Bank began reporting my account as delinquent, but never successfully contacted me in order to resolve the issue. 

Key records claim that they sent me an email balance statement monthly, but I am not receiving these from them. Even to this day, they have made no effort to resolve the ineffectiveness of their email delivery system. 

Key records claim that the sent me XXXX ( XXXX ) document in the mail to notify me of the issue after my credit was revoked. I did not receive this document. 

The original charge that started this issue was approximately $ XXXX-XXXX. Key Bank has forced me to pay significant late fees in order to stop reporting my account as delinquent. 

I have sent two messages to the Key Bank Credit Inquiry Department explaining the circumstances and requesting that they take some responsibility for the ineffectiveness of their billing system. I have also spent over 4 hours on the telephone with customer service representatives. All of these efforts have been ineffective. Key Bank is taking no responsibility for their involvement in this issue. 

My credit score has dropped from over XXXX to under XXXX due to this issue. 

I am still unable to receive billing communications from Key Bank.
I leased an apartment for my daughter last year on a one year lease term. She had been in good standing until the end of her lease which ended XXXX/XXXX/2015. She had called the front office and gave a verbal notice that she would vacate after a one month extended stay to XXXX/XXXX/2015. 
My daughter had failed to deliver her apartment keys until XXXX/XXXX/2015 which incurred subsequent charges due to the front office personnel not communicating with the bookkeeping personnel and was informed that they unable to enter the apartment until that time. As is evident on the move out form the initial date had been crossed out and altered which is fraudulent information submitted and not vetted by the collection agency, I feel that the apartment personnel knew of her move out date and could have entered the apartment at that time and were overzealous in their charges. 
I understand that it was my responsibility to have given written notice to vacate, but due to extenuating circumstances with my health which culminated in XXXX in XX/XX/XXXX, it was not high on my list of priorities at that time. I am a XXXX with limited income and was seeking some relief and resolution of this charge by writing the parent company of these apartments, to no avail since they have not responded to either of my letters. 
I have enclosed a copy of the bill with the disputed charges highlighted. 
Thank you for your time and attention to this matter.
Hello : It has come to my attention that all or most of the credit card companies collaborated recently to start charging ridiculous late fee and interest charges on the balances, if the due date is on the weekends, when all financial institutions including the credit card companies are closed for business transactions. 
Therefore I would like the CFPB to send a memorandum out to stop this unlawful practice by the credit card companies. Why should their customers send XXXX dollars to them one or two days ahead of the due dates instead of them waiting for the next business day to receive the amounts? 
Your advise and action would be highly appreciated. 
Thanks,
Several years ago, approximately 2012, I took out a payday loan to help cope with a medical emergency. I had made payments for several months. I believe I repaid at least the amount borrowed or came fairly close. Regrettably due to the continued medical issue and resulting limitations on work, I was unable to continue paying the loan. Subsequently, My family in XXXX and XXXX were contacted by a collection agency regarding the debt. At XXXX point, my brother in XXXX had his dog threatened by the collection agency. My niece in XXXX was called countless times. She reports that the collection agency threatened to take her home. They cussed at me and left messages with cursing actions. To be honest, I am not sure if they actually threatened law suits because the language became quite escalated. I remember leaving with the distinct impression that they were discussing a legal liability. My bigger concern however is the threats to my family and the abusive language. In order to get them to leave my family alone, I contacted the agency and set up a payment arrangement. At this point I contacted a financial counselor who cautioned me that this loan may be of questionable legal standing in XXXX. Consequently I postponed payment and requested information from the agency regarding the debt. They denied that they had to provide any paperwork about the situation. I contacted the original creditor and they told me to contact the collection agency. I attempted to request the mailing address for the collection agency and they refused to provide the information. I called back with my financial counselor and they also refused to provide any of the information we requested. Even the company name was not disclosed. They may be XXXX XXXX or they may be collecting for XXXX XXXX. They identified themselves as XXXX but would not clarify if they were a department of XXXX or a separate company. It was at this point that I reached out to the CFPB.
I was denied car loan due to this ridiculous unheard of credit reporting agency giving me a XXXX credit report when XXXX and XXXX reported me 150 points above that!! I have no late payments or delinquencies and paid off my last car. Also my inquiries were substantial after going to only 2 car dealerships. They also claimed I had limited time at this phone number but that has been my cell for at least 8 years. They also used my daughters student loans that are deferred against my present credit. There is thousands of complaints online about this company. When contacted they will not answer how they computed my score or where they got telephone false information from. They also want all my personal info to send me credit report and I think that's against federal guidelines. I worked very hard for 2 years to improve my credit while I dealt with my sons head injury and they should not be able to give people 150-250 under their other credit scores. Who is there to look out for the little guy? There has to be some federal accountability. Please close them down before they hurt other people or lose good loans based on false scores
I had some emergency happen back to back. I 'm a XXXX XXXX and went to 2 different title loan centers. XXXX and XXXX XXXX XXXX. I 'd been a customer for years and never had an issue paying my loans. My bank account was overdrawn by them taking money when I could n't pay. Everything snowballed from there. I called the corporate office of XXXX and asked for assistance in helping me repay the loan. Was told no, I must make the payments or they are going to take my car. I ca n't catch up on the now 3 payments I 'm behind and need help to interview from the taking my only mode of transport to medical appointments in XXXX monthly. 
XXXX XXXX XXXX said the same thing. I 've tried getting a personal loan and applied to many times and my credit took a huge hit. 
Any assistance would be greatly appreciated.
XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX -- ( XXXX ) XXXX AND XXXX XXXX I, AS ASSIGNEE OF XXXX XXXX XXXX XXXX XXXX 
BALANCE : {$2000.00} IN XX/XX/XXXX XXXX XXXX XXXX NOW KNOWN AS XXXX  SOLD THIS ACCOUNT TO XXXX XXXX I, XXXX. IN XX/XX/XXXXXXXX XXXX SUE ME IN COURT TO COLLECT THE DEBT. DURING THE COURT PROCESS XXXX XXXX COULD NOT PROVE THE DEBT AND FILE A VOLUNTARY DISMISSAL OF THE CASE. SEE EXHIBITS.
I do not have any debts in collection status. This company, Windham Professionals has been told repeatedly they have the wrong telephone number for individual with similar name.
Called XXXX different family members and told them they were taking me to court. Uses different numbers and different names when returning calls. Called original creditors and they indicate they sold disputed debt. They have threatened to sur, come to my work, put me in jail, and have told the same to XXXX different family members.
I got the loan put on my credit card even though I am still in college and can not pay it off. I can not take out other credit cards and improve my credit.
In response to the Equifax data breach, in XXXX XXXX I accessed the Equifax web site using the link on the US Government FTC web site ( www.equifaxsecurity2017.com ). I completed the form and submitted it to Equifax. The message I got back from Equifax was that they Believe my personal information has been impacted. 
I then signed up for their Trusted ID XXXX XXXX XXXX XXXX. I was told that I would receive an e-mail to confirm and complete my credit monitoring sign up, and to look for this e-mail, including in my junk or spam folders. 
Over a month has passed since I signed up and I have heard nothing back from Equifax or Trusted ID. No e-mail in any mailbox. I just wanted to let you know that this is how Equifax is treating individuals who they say have been impacted and signed up. 
Have you gotten other complaints about this and if so, do you have any feedback on how to proceed to get the free credit monitoring from Trusted ID in place?
After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from Equifax, XXXX  and XXXX, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).
My current mortgage loan servicer, Nationstar Mortgage, illegally and/or erroneously reported to the national credit bureaus in XXXX XXXX that my current mortgage is {$34000.00} past due. This amount they reported includes {$32000.00} of deferred principal that is not due/payable until the loan matures in XXXX/XXXX/XXXX. This deferred principal of {$32000.00} was granted in my mortgage loan modification with XXXX XXXX effective XXXX XXXX, XXXX. This fact of {$32000.00} deferred principal, which is not currently due or past due, is stated in the attached HAMA Loan Modification Agreement under item XXXX on page XXXX XXXX. This illegal reporting caused my current credit union provider, XXXX XXXX XXXX, to deny my application for a {$25000.00} car loan in XXXX XXXX.
I filed bankruptcy in 2007 and specifically added the loan for XXXX i even had to meet with the judge to get this discharges and the judges discharged it and yet the collection agency refuses to acknowledge it the keep harassing me and taking my funds out of my bank accounts as well as my tax returns.I have sent them copies of the bankruptcy but they refuse to acknowledge it
Our loan servicing was purchased by Ocwen XX/XX/XXXX. Shortly thereafter they started to impound our account for both taxes and insurance. Impounds have never been part of our loan agreement. When I called to question why they are charging impounds, no one could answer my question for the XXXX few months since my loan docs were n't uploaded to their system. So, they did n't have my loan docs, yet they were impounding my account. And of course, it cost me valuable time and many phone calls to finally have them read our loan docs and realize their error. 
Then, they did it again in XX/XX/XXXX by paying our property taxes and impounding our account. Again, without telling us and again not part of the loan docs. And again putting me through the hassle of getting this taken care of. They have been a disorganized mess from Day XXXX.
BB & T - constant calling harassing us about wanting fees from our son who had XXXX inactive student accounts from years ago. ( They just now came up with {$80.00} in " fees ''. ) He made the negotiated payment and yet they still call and harass us. Now started calling his cell phone while he is at work. This has got to stop. BB & T is harassing us 3 to 5 times a day over an old, inactive student account. Our XXXX year banking history with them apparently makes no difference
Disputed errors on y credit file and the results came back as verified with XXXX  the following address XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX  XXXX XXXX. XXXX, Ga XXXX and the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} Transunion XXXX XXXX XXXX XXXX {$2500.00} XXXX
In XX/XX/XXXX, as I was performing a payment audit on my California Department of Child Support Services ( CDCSS ) account, I discovered 24 payments totaling {$1100.00} that were sent to a Bank of America ( BofA ) Electronic Payment Card in XXXX. Upon further investigation, BofA states that the account was never activated, and that {$0.00} was sent to California State Controllers Office, which I have since claimed. After further investigation into the missing {$1600.00}, BofA informs me that they do not keep  records for more than 7 years, so there is no way to find out what they did with my funds. 

Fact : {$1100.00} was deposited between XX/XX/XXXX and XX/XX/XXXX Fact : I never received a card ; therefore, it was never activated ; therefore, I never accessed any funds. 
Fact : BofA closed my account, but only sent {$0.00} of the {$1100.00} deposited. 
Fact : I claimed {$0.00} from California State Unclaimed Property Fact : {$1100.00} is missing and I want Bof A to pay me immediately!
Since my first complain in XXXX XXXX, NationStar Mortgage is asking for documents after documents. I have provide all documents they asked for but still they 're telling me that my file is under review for modification, anytime I call them. 
Please note even I have foreclosure sale date scheduled for this coming XXXX XXXX XXXX, they are still declining to postpone the foreclosure sale date. 
Please help me, I do n't want to lose my house, Sincerely,
Applied for a Wells Fargo Business Credit Card. Since the Card processing representative was not able to speak or understand my English, and their behavior over phone was not acceptable, I asked to close the application. 

They have send a letter stating " application is denied due to Amount of credit requested combined with existing debt is too high related to stated household income ) ''. 

Bank and its employees can not punish me for their inability to talk to a customer.
I try to contact transunion, XXXX, and XXXX, about several inquiries in my credit reports that i did not do. I did not authorized companies to run my credit, I been a victim of identity theft for the past months. Someone had been trying open accounts under my name without success, this past months. And CREDIT BUREAUS had remove some inquiries. But since a couple days the same think started to happen all over and transunion and XXXX are ignoring my situation.
After 10+ years as a loyal customer, Bank of America suddenly closes our accounts and won't give us a reason, other than " is a business reason ''. And now is holding our money XXXX ( aprox $ 10k ) and we can't pay our bills, it won't tell us when they're releasing the funds. WE CAN NOT WAIT, WE HAVE BILLS TO PAY. 

On XX/XX/XXXX we get a letter about the closure of the accounts. I'm XXXX XXXX and sole breadwinner of my family, I'm a law abiding US citizen and Bank of America is treating me like a criminal. 

I suspect the reason is that I am the child of a foreign PEP ( politically exposed person ) from a XXXX American country, because my sister had her XXXX account investigated, my parent filled out a questionnaire and that's it, her account is still in good standing. I believe BofA actions are racially discriminatory in nature, they're treating me like a criminal. 

Why would BofA close my accounts in good standing without first questioning? I'm XXXX and all my income is from XXXX  care corporations, why close my accounts? 
Why not release the funds right away when I went to the branch so that I can pay our bills?
Checking for errors on my credit report I found an account and a few inquries I didn't authorize via Transunion, XXXX, and XXXX. 
Transunion included inquiries I didn't recognize such as : Screening Reports XXXX XXXX XXXX XXXX XXXX on XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Not updating info purchase XXXX car in last 3 years and every bank that the car dealer sent application to also pulled credit and they are charging my credit for every hit how is that fair to me plus stuff on my report from 20 years ago paid bills never updated
I am a government employee and started paying a loan amount of {$46000.00} at XXXX XXXX monthly payments rate in XXXX. At this time my family of four had an AGI of less than {$60000.00}. 

At that time I learned about this government employee loan forgiveness program that will happen after 10 years of payment, in my thinking the ( XXXX  XXXX m x XXXX y = XXXX or XXXX XXXX ) will be paid and the XXXX XXXX May be forgiven. 

During the toughest times of my family life I paid those monthly payments with some delays and couple calls to my loan servicer during tough times. 

My frustration and feeling of being treated by predatory lender comes because ; after more than five years of paying the {$260.00} a month, my loan balance is still the original {$46000.00}. 

I have learned the the hows and whys from Navient, but I still think I was left alone to fail than assisted by my loan servicer. I suppose they were the middle men to help people like me. On top of this, the hard to reach customer service people cant see the trustee aspect of my question. 

Now my wife works and I am in better shape too, restructuring the loan will take me to paying about {$370.00} a month to repay the entire loan within 10 years. 

How will the XXXX I paid so far be used to benefit me?
They are trying to collect debt from XXXX which was never on my credit report history. They are also re-aging this account. They put it on my credit report and I am not responsible for it.
I opened a Citibank checking and savings account on XX/XX/XXXX with the promo code XXXX with the expectation that once I met the criteria that were stated I would get the promised {$400.00} cash back. As of XX/XX/XXXX, not only have I not received my cash, I have had to call in multiple times to have incorrect fees waived from my account. I have had multiple claims supposedly submitted on my behalf but they have just gone into the ether.
I have received several phone call from a company called ROsen Management Services. I sent them an email stating that I disputed this debt and if the debt was real to send me all the paperwork or bill pertaining to this debt. Also stated from this day forward XXXX/XXXX/2016 at XXXX you are not to contact me or my employer. and then they sent a Vertification of Employment to my Human Resoursed department yesterday at XXXX. I just want this to stop. They have also contacted my Ex husband and told him that I was going to be arrested if I did not take care of this within the hour.
I had spoke to one of the workers at a checksmart  letting her know that i would be able to pay on my loan on XX/XX/2019 and it was before the XX/XX/2019. I was expecting my paycheck to be in my account on the XX/XX/2019 but checksmart took my whole paycheck. I'm angry i have rent and other bills to pay on top of that I'm getting my children back so imagine how upset and angry i am.