WillisBack/dataset-financial-user-claim huggingface dataset:
Today XXXX XXXX, 2016 ; I received correspondence from XXXX XXXX and Wells Fargo detailing my payment history which is attached in the scan. The only payment that Wells Fargo failed to report is the XXXX made via telephone directly from my account XXXX XXXX XXXX, to Wells Fargo. Which is listed in my scan and taken by XXXX XXXX. ( XXXX assistant ). That payment covered the XXXX payment and is current and up to date, the only payment due is my XXXX payment. It is troubling that with the evidence of paid payments and history. Wells Fargo continues to deny that an error was made, the only way to move forward from the XXXX rating Wells Fargo currently holds, is to atone for the past mistakes, fraudulent banking practices and mis-applied funds, made to thousands of customers of Wells Fargo. Additionally, by Wells Fargo reporting my mortgage payments as late or unapplied, this practice had led to a drop in my credit score and refinancing. The fact that Wells Fargo refuses to report my loan to the credit bureaus, due to Wells Fargo not re-affirming the loan to my then attorney XXXX Law Office. This practice of not reporting my loan, by the way was not mentioned in the package sent to my home on XXXX XXXX, 2016. If you need confirmation as to the re-affirmation documents not provided to the courts, feel free to contact XXXX Law Offices and speak directly to XXXX XXXX at XXXX XXXX XXXX XXXX. He will gladly provide the information and explanation in depth, due to my obtaining the paperwork directly from his offices as requested by Wells Fargo. This matter is of the utmost importance and requesting a full investigation. As I have stated before, this is not the fault of anyone else except the shoddy and incomprehensible bank practices of Wells Fargo.
Mortgage servicing company is holding mailed payment check until after late fee date passes, 16 days after due date, then assessing {$45.00} late fee.
This complex put a charge on my credit report. I 've paid them and this is still on my credit. I want this off
I received a call from a XXXX number that left a voicemail. The voicemail states that I committed a crime by actively deceiving a financial institution and that a complaint was filed. That if I did not respond it would mean my automatic refusal. I called the number back and a XXXX XXXX answered. He looked up my number, and asked if the information was correct. then he stated he was an arbitration officer and that they were asked to arbitrate an agreement for payment of a debt, and that I had to make payment arrangements today. if I did not then they would file a suit against me. when I asked for written validation he stated that they were not able to do that without me making a payment. He said he could not send anything in writing until he had my credit card information and a payment was arranged. When I asked for further information he repeated the same. he said I was not allowed to contact the original creditor at all. when I requested that he allow me time to validate the debt with the original company and to validate his right to collect such debt he said that they would have my drivers license suspended and have my car registration renewal blocked if I did not get this handled today. He never once identified himself as a debt collector. never once said the call was recorded. never truthfully identified himself. he refused to validate anything in writing. now when I call the number back it goes to a busy signal.
1.The company is Wells Fargo Home Mortgage . I have tried many times to ask Wells Fargo to move my payment date from the first of the month to the XX/XX/XXXX of each month. I get paid on the XX/XX/XXXX of each month. They will not do this request and always charge me late fees. I do not believe this is fair. I WANT A CHECK FROM WELLS FARGO FOR ALL THE LATE FEES OVER THE LAST 4+ YEARS OF LATE FEES AND WANT THIS PAYMENT DATE TO BE CHANGED FROM THE XX/XX/XXXX OF EACH MONTH TO THE XX/XX/XXXX OF EACH MONTH. 

2. I was late in one mortgage payment due the fact that my checking and saving account was hacked into. I contacted Wells Fargo and set-up a plan to have the mortgage current. They said no problem. I paid the mortgage as agreed one day before the 30 days was up. They report this as 31 days past due and really hurt my credit rating. I have tried to refinance the house but can not get approved because of this on my credit report and how it dropped my credit score. I WANT THIS TAKEN OFF MY CREDIT REPORT. 

3.I have NOT sought out any legal involvement yet but if these matters are not resolved to my satisfaction I will seek legal representation and go after Wells Fargo and Wells Fargo will pay for my legal fees.
Citibank Texas NA was sold to XXXX XXXX XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015 I visited the branch on XXXX XXXX XXXX TX and learned that the bank was being sold. Due to my personal needs and my desired relationship with Citibank I wanted to know how to not have my accounts sold. I was told that I had the right to opt out and was provided a form to sign for that specific purpose. I was not provided a copy of this signed document by the branch employee ( I was in an office not at a teller window ). Part of my relationship with Citibank is access to money via their Citigroup while I am XXXX or not located near a bank. I do not have this option with XXXX XXXX XXXX and knew that I would encounter difficulty accessing my monies. 
On XXXX XXXX while logged into my online banking I became aware that my savings account was not showing up. I learned by calling the customer service center that XXXX of my XXXX accounts with Citibank was in fact sold to XXXX XXXX XXXX even though I had signed the opt out. 
To date I have spent 15 hours trying to resolve this issue. I have been on the phone to the XXXX response team more than XXXX occasion. The financial hardships, fees and costs related to this event are still accumulating. 
As a result of losing my direct deposit savings account - my Citibank account was charged a service charge it had never incurred the entire 4 years of my account. This caused the account to overdraw subsequently causing a NSF reporting to this account. Although Citibank refunded the monies associated to these charges my credit has been marred from its perfect internal status to one of now having a negative reflection. 
Citibank violated my privacy rights and forced me into a banking relationship that I never wanted. Citibank has now shared my personal financial information to a bank that had no right to ever know or see that information.
Seneca Mortgage is a loan servicer for XXXX. They collect the loan amount as well as hold money in escrow for taxes and insurance. Seneca Mortgage frequently changes the monthly amount owed in order to collect late fees - I automatically pay my mortgage the same amount monthly. Seneca will then make harassing phone calls that we have n't paid our mortgage in full and access a late fee. This is incorrect. We 've payed the mortgage and they 've changed the amount owed for taxes and insurance and then issue a late fee. I have requested that Seneca Mortgage no longer collect our taxes and insurance which they 've denied. I am well with my rights to do this as per XXXX guidelines XXXX I believe this is a fraudulent practice that must be affecting others that have loans with XXXX and being serviced by these crooks.
THE BUSINESS WESTLAKE FINANCIAL A CA ' COMPANY HAS NOT REPORTED MY ACCOUNT AS PROMISED
The company alleges that a deferred payment arrangement initiated by me the debtor has resulted in a Deferred Balance of {$580.00} ; in addition to the remaining Principal and Interest on this account. According to the original agreement, the terms of the loan were as follows : Finance charge : {$26000.00} ; Amt. Financed {$15000.00} ; Total of Payments {$41000.00} ; Number of Payments 240 ; Amount of Payments {$170.00}.
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The company alleges that I verbally requested this deferral on three different occasions ; once in  XXXX , once in  XXXX  and once again in  XXXX .
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These payments commenced on  XX/XX/XXXX  and were sent to the debt collector via wire transfer by   XXXX   XXXX   XXXX   XXXX   XXXX    located in  XXXX , New York. Accordingly, no payments were ever missed ; nor were there ever any requests made by me for a deferred payment arrangement either verbally or otherwise.
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I have asked the company on several occasions to provide me with any documentation or any proof they obtained from me that would confirm that I asked for any type of deferred payment arrangement. I was told today (  XX/XX/XXXX  ) that all that was required to obtain such a deferment was a verbal request by me.
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I am denying that I requested any such arrangement. I also am requesting that Ditech adjust their billing to reflect the appropriate balance to coincide with the agreed upon payoff date of  XX/XX/XXXX .
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Any assistance you can provide would be greatly appreciated.
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Thank you in advance,   XXXX   XXXX   XXXX   XXXX
I am the victim of identity theft. Many attempts were made by someone else trying to open accounts in my name. My information has been compromised in a few data breaches. The following inquiries are fraudulent and not made by me : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX-XXXX XX/XX/XXXX
Allied collection services ( ACSI ) harassed me by calling repeatedly often times back to back. 
I spoke with XXXX at ext XXXX today and was told, " my account will be reported as delinquent to the credit bureaus TODAY. '' I asked her how she knew for sure and she told me that because my account was with them for 30 days, it could report any/ each day. When I asked if I could make a payment free of charge, she said no. When I asked if I could pay sprint directly, she said, " no you can not pay them because they can no longer access your account. '' When I asked if I could mail in a payment, she told me to mail it to XXXX directly. I questioned her about her contradiction and was told that they could abrupt my payment, but I could not pay them directly. I asked for an address to send a money order again and was given a general address for ACSI. 
Upon hanging up with XXXX, I immediately called sprint directly, spoke to an agent and made my payment. That agent assured me that the payment info would cancel ACSI 's collection attempts. ACSI/XXXX egregious and belligerent lies and tactics are completely unacceptable! They should be fined for such behavior or at the very least, we as consumers should be afforded some kind of recourse against this disturbing behavior demonstrated by allied collection services Inc
HAVE BOA WRITE ME BY USPS MAIL WHETHER OR NOT I MET MINIMUM PAYMENT FOR MY CREDIT CARD AND CONFIRM MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX AND I NEED TO KNOW IF BOA TAKES THE MINIMUM FROM MY CHECKING TO PAY MINIMUM AND I NEED SOMEONE TO CALL AT BOA. 

BOA ONLY WANTS APPS TO CONTACT. BOA DOES NOT DEAL WITH PEOPLE, ONLY MACHINES. 

DONT DEAL WITH THIS BANK. IT XXXX
After I filed a complaint with the Consumer Financial Protection Bureau, ( please reference case number : XXXX XXXX ) Springstone/Lending Club finally agreed that just as with over XXXX of their other mislead customers, they were indeed wrong when they added Finance Charges and Late Fees to my account, and I am pleased that they finally agreed to credit these charges back to my account. 

However, as the attached documentation will show, Springstone/LendingClub 's inappropriate actions during this dispute have resulted in serious damage to my credit report and score!
My mother and cousin was contacted by Premier Recovery Group XXXX. A lady by the name of XXXX XXXX has called my mother and cousin SEVERAL times. My cousin was contacted over 10 times today and XXXX XXXX got nasty with her and cursed at her using the XXXX word. She told them she needed to speak to me because I committed fraud. She threatened legal action. This is totally unacceptable and harassment.
I have faxed over loan modification paperwork. Still threatening foreclosure and have not updated my online account even though the modification has been approved. All the payments have been made for the trial period. 

I am attaching the XXXX fax confirmations.
The company 's name is XXXX XXXX XXXX and they represented that they consolidated loans on behalf of the U.S. Dep't of Ed. 
I received a letter in the mail explaining to me that I might be eligible for a better consolidation of my education loans because of a program with the federal government. It directed me to XXXX, and told me to register there ( to save time ) and then call a number. When I called the number, they told me to download loan information from the XXXX website and email it to the customer service representative -- which I stupidly did ( I CAN NOT believe I did this but the letter was convincing that they were working on behalf of the department of education ). They asked me questions about my income to see if I was eligible for income-based reductions. They then eventually explained that they were a document preparer and that they could facilitate a loan consolidation that would reduce my interest by % XXXX if I paid {$790.00}. I then got off the phone. 
I can not believe I was duped into providing them loan information. I feel scammed. It is NOT a credible organization. The number I called was XXXX.
Fair collections and out have reported inaccurate information to experian, this information has caused serious damages to my lifestyle. I have sent proof that this information is inaccurate but experian refuses to delete this account. I am being charged for living in an apartment from XXXX/XXXX/15 to XXXX/XXXX/2015 after my lease ended. I have sent proof that shows that this information is inaccurate. I have attached copies of proof that we ( XXXX XXXX and I ) moved and signed new leases on XXXX/XXXX/2015. This needs to reviewed and corrected immediately.
The reason for my writing this letter is to inform you that this bureau is being unreasonable. I am a victim of identity theft, my information was compromised and fraudulent inquiries were included in my report without my consent or authorization. 
As a result, I contacted this company with a detail explanation that I am a victim of identity theft on XX/XX/XXXX. I pointed out in detail to them, of all the inquiries that I did not authorize and were fraudulent. BUT to my surprise this company still keeps on reporting these fraudulent inquiries and inaccurate information : 1. XXXX XXXX Never been my employer 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5.  XXXX XXXX  6. XXXX XXXX  7.  XXXX Inquiry Date XX/XX/XXXX 8. XXXX Inquiry Date XX/XX/XXXX 9. XXXX Inquiry Date XX/XX/XXXX 10. XXXX XXXX Inquiry Date XX/XX/XXXX I also attached with it the following documents as proof of my claim : 1. Identity Theft Report 2.  Proof of identity 3. Section 605B of the Fair Credit Reporting Act This may also serve as a written notice of my intent to sue this company if they continue to insist on reporting this inaccurate information on my report.
Ocwen Loan Servicing is currently pursuing the prohibited practice of " Dual Tracking '' while I 'm being reviewed for a loan modification. Ocwen has scheduled a foreclosure date of XXXX XXXX, 2015.
I do not have a signed contract with XXXX XXXX. They are stating they purchased the account from XXXX XXXX XXXX XXXX. This bank doesn't exist. they are stating i owe a balance of {$800.00}.
I received a local call today from Source Receivables Management ( Source RM ). The caller brought up information regarding a debt from XXXX XXXX XXXX. I had no knowledge of this debt and the caller requested that I make a payment today. There has been no verification of this debt nor have I received any documentation from the company by mail. After conducting personal research I realized that this company is trying to re-age a debt that has ran the statute of limitations. This debt has been removed from my credit report as of XXXX/XXXX/2014. I am filing this complaint due to unscrupulous business practices and lack of ethics. No action can be taken on this debt and I need the phone calls to cease immediately.
I can not get into my online banking with Chase. I call and they told me my debit card is no longer good for me to go to the bank and close the account because it show XXXX balance. I went and they want all this information Social Security card and job pay stub. They refuse to close out the account even though it 's a XXXX balance on it.
XXXX XXXX XXXX has XX/XX/2017 both XXXX and XXXX have this on my credit report i never applied with them or hold a card I've called multiple times and they have no record of my social security #
REVENUE RECOVERY CORPORATION Has stated I owe on XXXX account but in XXXX different ones at once!! I only used the XXXX Original Creditor. It has stated I owe {$38.00} and {$44.00} for the same thing. I was wondering Why, Do I owe on the same thing XXXX times when It was only for one thing. It was me getting XXXX from the company.
To give you some background on our complaint, I opened a checking account for our then XXXX-year-old son in XXXX, which was attached to my account. 

On XXXX XXXX, XXXX, our son was a victim of fraud. Someone whom he does n't know was able to cash XXXX {$1400.00} checks totaling {$2800.00} which caused a negative balance on his account. Keep in mind, our son has never had a deposit in his account over {$200.00} at any one time. I found out about it on the evening of XXXX XXXX, XXXX, when I checked my balance and surprisingly saw a - {$2800.00} attached to his account. When I contacted customer service on XXXX XXXX, XXXX, I was told that he signed the XXXX checks and received the funds. Our son did n't know anything about any checks when I asked him. He did n't receive any proceeds from the checks. We also filed a police report on XXXX XXXX, XXXX. 

I spoke to numerous customer service reps in the fraud department in XXXX and no one would file a complaint. I asked if they checked his account prior to processing the check and why was n't a hold put on his account while the checks in that amount were investigated. I was told that the bank has no way of knowing if a large deposit will be made, so therefore, they processed the checks because his signature and ID were used to cash the checks. Our son was nowhere near wherever the checks were cashed. I asked for the footage at the ATM ( which is where I was told the checks were cashed ) be examined at the time of the withdrawal ... no response. I requested a copy of the checks. Once I received them, the XXXX checks had XXXX different signatures on them and neither XXXX is our son 's. 

About XXXX, I 'm thinking on the evening of XXXX XXXX, XXXX, I spoke to XXXX in the fraud department who again informed me there was nothing the bank would do. I told her I received the checks and the signatures were not our son 's. She was reading notes from previous conversations between me and the bank and our son and the bank. When I asked her for a copy of the notes, she told me they could n't be sent to me. When I asked her why, she stated due to privacy issues, they ca n't be sent. It 's my account ; what privacy issues are there if I 'm asking for the notes on my account? 

On XXXX XXXX, XXXX, I finally thought I reached someone sympathetic enough to at least file a complaint. The rep, XXXX, had me thinking she was filing the complaint and it would be investigated. Unfortunately, she did n't give me a complaint number and I did n't ask for one. I decided to give it a couple of weeks before I called back for the status only to find out there was no complaint filed. More walls went up. 

We finally got frustrated because we will soon be contacted by the Recovery Department to start paying on this balance. We decided to contact XXXX for assistance. We were advised to file a complaint with the XXXX, the Georgia Banking Commission and send a letter to Bank of America 's CEO. So, we are doing all of this simultaneously.
SunTrust bank not only charges you overdraft fees but after 5 days they charge additional overdraft fee. I have never heard of this nor has any other bank I have deal with does this. I think this is total unfair
XXXX Address : XXXX 
XXXX, AL XXXX Pursuant to : 1. a : RESPA, XXXX U.S.C. XXXX ( XXXX ) ( XXXX ) ( B ), b : XXXX XXXX XXXX XXXX XXXX f ) ( 2 ). 
c : TILA XXXX XXXX XXXX XXXX g ) ( XXXX ) a-e d : XXXX XXXX XXXX XXXX https : XXXX XXXX. All XXXX policies associated with the subject mortgage and any TRUSTS, including but not limited to XXXX Trusts. 
3. ID Theft notifications. 
4. Explanation for refused rate change : Explanation for failure to reduce rate XXXX days fannie mae rate in XX/XX/XXXX thru XX/XX/XXXX. 
5. Explanation for contract failure ( s ). 
6. Identify ALL Owners/Lenders/Trustees/Services and dates acquired. 
7. XXXX ( front & back of document ) a : Mortgage Note. b : Deed of Trust. 
8. Copies of Form XXXX, XXXX and Appraisal. 
9. Copies of ALL BPO, Appraisals and valuations. 
10. An accurate accounting of all debits and credits applied to the purported mortgage transactions from origination until XX/XX/XXXX.
My furnaces became non functional and unsafe on  XXXX   XXXX    XXXX    XXXX  so out of desperation I accepted the first deal that I thought made sense. I have had trouble getting in contact with a customer service agent and even logging to make a payment. I was able to login today and make a payment and I plan to pay this off by the interest deferment deadline. However, right sizing the account has been a chore. And has lead to late fees and pre interest compounding. Can someone please contact me and consider the reversal of the late charges and finance charges that I have accumulated inadvertently? Please help me right sze this sinking ship.
they did n't fulfill my income based forgiveness application but tagged on a bunch of interest plus a huge monthly payment
I had an overpayment of property taxes last year. The city refunded over {$600.00} to my mortgage company for the over payment. That money should have been sent to me within 30 days. It has never been refunded. They 've told me several times that it would be and that " a check request has been submitted ''. I started talking to them in regard to this situation in XX/XX/XXXX. They are holding my money illegally.
Synchrony Bank sold my charged off acct to XXXX XXXX XXXX. XXXX XXXX ruined my repaired credit using using illegal attempts to collect the wrong amount. I filed a complaint with your ( CFPB ) company and XXXX will only reply with the same XXXX inaccurate statements that they received from Synchrony. There is a court order against GEMoney and GEMoney was to apply credits to qualified CareCredit acct holders accounts. Synchrony spun off from GE and acquired many accounts of which Synchrony was to apply the deductions. Synchrony DID NOT apply deductions to my charged off account and when I called again on XXXX/XXXX/XXXX @ XXXX, I was advised by the below identified Synchrony Bank Associate that I would not be able to get any eligibility information concerning the CFPB Order against GE Money CareCredit unless I called XXXX XXXX XXXX. How? Synchrony has the account information. XXXX only has XXXX statements with the incorrect amount on them. Not providing information regarding deductions in relation to the court order on a qualified account is a violation of the court order ; less more selling the account under an incorrect amount. I am attaching my credit report of XXXX XXXX, XXXX which reads correct charge off amount of {$1700.00} not {$1900.00} as requested by XXXX XXXX XXXX. This report also shows proof of payments totaling {$650.00} that had not been deducted from the {$1700.00} which would leave a balance of {$1100.00}. I had this account since XXXX of XXXX. What about the interest from those years? I have suffered great damage under XXXX attack on m credit. My score has fallen XXXX points on XXXX and XXXX on XXXX. Please help.