WillisBack/dataset-financial-user-claim huggingface dataset:
I have been attempting to contact the trustee, XXXX XXXX XXXX since last week - as instructed by my lender Wells Fargo - but not able to get through, the call hangs up every time and I have tried from multiple lines. I then contacted Wells the day before the auction sale and the day of the sale to cure the default in full, they referred me to the trustee again. No answer and disconnected from trustee 's phone number. I have the funds available to cure the default in full and was asked to send in proof. I had a 3-way conversation with a representative from Wells Fargo and a representative by the name of XXXX XXXX from my bank Wells Fargo to get a fax number to send the proof of funds. It took Wells Fargo over 45 minutes to provide me with a valid fax number as I stayed on the line with them while faxing the information over ( see attached ). Wells Fargo stated that they could not get in touch with their attorney ( XXXX XXXX XXXX ) and that I can try to call myself. They were not of any help to me and left me with no options but to keep trying to call the trustee with no luck. I also was never properly served with the Notice of Default and Notice of Trustee sale so I feel my homeowners bill of rights was violated as no true alternatives to avoid foreclosure was given to me instead they proceeded.
The following inquiries remains on my credit report after I have told transunion that I was unaware of a few, and the rest I did not receive service for. They have given me the run around with telling me to contact the creditor, and the creditor is telling me to contact the credit agency. The following inquiries are in question : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
The school closed in XXXX, TX. XXXX College For a few years my loans were with XXXX. I had some hardships, the payments were outrageous and they would not help me at all. I lost my job and they were still telling me to pay and said this is as low as we can go. It made it harder than it should have been. They had my information form XXXX College but they closed. I asked how I can get that loan dismissed because it closed and I didnt even complete my degree yet. They told me they would be deferred for a year but I received a statement saying I need to pay {$310.00} by XX/XX/XXXX. I am still unemployed. I owe {$30000.00} and Im just trying to get help.
On  X/XX/2017    I attempted to pull my credit report from TransUnion 's website. Like many services that deal with confirming your identity they requested my credit card information.     There was a single reference to a subscription on the page prior to entering credit card details. " You may cancel your subscription anytime by contacting us or do nothing to have your membership continue without interruption. '' but no mention of price of subscription.     I enter my CC, confirm my identity and move forward expecting to get another screen to select a trial or level of subscription then complete the order. Instead they charged {$21.00} to my card beginning the subscription immediately.     I can find no reference to price of subscription in their service agreement or on any of the pages during signup.I will be disputing the charge with TransUnion but the practice is dishonest at best.
I WAS CHARGED XXXX IN 3 MINUTES ON XXXX/XXXX/2016 AND NEVER RECEIVED THE XXXX CREDIT REPORTS BY TRUE CREDIT/ TRANSUNION . ATTACHED YOU WILL FIND A SCREENSHOT OF THE {$29.00} THAT WAS DEDUCTED FROM MY ACCOUNT. THIS COMPANY HAS ILLEGALLY TAKEN MONEY FROM ME AND DID NOT PRODUCE THE PRODUCT THAT WAS SUPPOSED TO BE FURNISHED.
Had to take Classes for a XXXX at {$25.00} per class. If you did not pay, you could not attend class. If you missed a class, you had to make it up and pay the {$25.00} for the missed class. They say I owe {$100.00} with Interest.
I agreed to a stipulation to pay the balance of the loan to Midland Credit XXXX and have done so since XX/XX/2016. I get a letter from MCM that i have not made a payment since XX/XX/XXXX/2016. Attached you will see the stipulation. Also you will see that I have been in touch with XXXX paralegal for MCM. He can tell you that I have kept up the payments at leaf till XXXX/2016. This company can not prove that the money owed is from me as far as receipts and now are trying to prove that I am not making payments. This is harassment.
In XXXX, 2015, I called Synchrony Bank, to pay {$190.00} to my Amazon Store Card ending in XXXX, was told that a payment could not be accepted because a bankruptcy had been filed and this was being reported by the credit bureaus. I explained that I had never filed a bankruptcy and that I was the victim of a fraud. Synchrony refused to accept my explanation, refused my payment then, proceeded to report the account as charged off to the credit bureaus with the remark " bankruptcy. '' This action by Synchrony Bank is unfair and unjust and it violates FCRA.
I missed one ( 1 ) payment in the 17+ year history of this account, and my credit limit was slashed from {$25000.00} to {$7800.00}. Missed payment was due to a family emergency where I had to travel out of town due to an ill member of my family. Bank of America has failed to recognize my long standing payment record, relationship with XXXX XXXX, and claims they have attempted to contact me when in reality, they have not.
I had a mortgage loan that was never late since inception ( XXXX ). In XXXX XXXX, I applied for a loan modification for the third times ( since XXXX ) and was finally approved. The trial period started in XXXX and completed successfully with XXXX payment. However, while waiting for the permanent loan modification contract to arrive ( which servicer never sent out ), the loan was transferred to Specialized Loan Servicing ( " SLS '' ) in XXXX XXXX, XXXX. 
Please understand that the actual monthly payment was {$800.00}, But because the servicer was fraudulently claiming - it paid {$1100.00} for property tax ( while the county record shows that it paid only {$990.00} ) ; therefore, it increased my monthly amount to {$820.00}. Therefore, I refer to {$820.00} as " full payment '' ( although this amount is erroneous ). 
Meanwhile, before the loan was transferred on XXXX XXXX, XXXX, I made a full TIMELY payment. However, non-of the XXXX servicer show this payment. 
BUT, as XXXX was transferring the loan ( while waiting to send the permanent modification agreement ), it reported to credit agencies the account 3 months late ( 30, 60, 90+ days late ). 
As soon as SLS received the loan, it initiated sending XXXX collection and foreclosure certified letters to me. Through XXXX phone calls to SLS or its own collection calls, I tried very hard to, make SLS understand that the loan was not late. I did not succeed. Therefore, starting from XXXX XXXX, along with each monthly " full payment '', I sent a certified letter to the SLS president asking him to investigate the issue before sending/having its representatives call me for collection or foreclosure threat or sending me the same type of letters. I repeatedly asked that I needed to hear from someone at the SLS corporate level ( someone who would not lie and was competent ) to resolve the issues and that if I TRULY owe an amount ( after all the correction ), I will be glad to pay what is TRULY owed. I even asked for a complete loan history since XXXX XXXX. SLS refused to call me or sending me any accounting. The only thing I would receive from SLS was either a collection call or certified foreclosure letters. I have a big pile of these types of letter from SLS. 
XXXX through XXXX XXXX ( each month ) along with a " Full monthly '' payment, I sent SLS president a certified letter asking - since it claims to be a collection agency, then according to the law, it must investigate and also provide me ( a borrower ) statement of the account. SLS refused and never did anything. 
The last call to SLS ( besides the many lies I repeatedly hear from its representatives - XXXX says XXXX thing and another says completely the opposite- on recorded calls ), I hear that even if I bring the account current ( even based on their miscalculation ), they WILL STILL REPORT MY ACCOUNT ( that has never been late ) - as two-three months 60 days late to the credit agencies ). 
TO ADD INSULT TO INJURY, SLS is not reporting the account to my credit report.
Compliant filed against : Nationstar Mortgage LLC  XXXX  address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  TX  XXXX  I 'm a debt holder of mortgage with  Nationstar. Nationstar changed my address of correspondence without consent, mailed notices to wrong a ddress & irrevocably added forced escrow onto the property for the life of the loan without consent in  XXXX    XXXX  .     Upon bringing this up to customer service on more than  XXXX  instances over last 3 months,   Nationstar fail to follow-thru despite repeated calls/requests. I 've sent all proof and related items as requested but there has not been a follow-up from Nationstar.
Financial loss : Nationstar forcefully e  scrowed my mortgage which triggered me to buy an expensive insurance. This has caused grave financial hardship to me, not to mention hours of time away from work in dealing with customer service on the phone.
CFPB ComplaintI have a small business. A former associate fraudulently obtained a check made out & printed payable to my business, ( the payee ). This person Hand wrote their personal name on the check and cashed/deposited it at Bank of America. They also endorsed this check with their signature. Effectively this person stole this check for {$20000.00}. In USD which was payable to my business. Bank of America, upon filing a Demand letter to have these funds returned to the appropriate Payee, ( My Business ) is quoting state Law for Washington State for which they are not governed by, in using the statute RCW : Revised Code of Washington : XXXX Conversion of Instrument. This is an inappropriate and irrelevant quoting of regulatory statute. This is apparently being used as an Excuse for the purpose of not returning the fraudulently cashed funds into their bank. The Bank of America is governed by the OCC and not by State codes further. This check was printed with my business legal entity Name which is primary in the Payee endorsement of check payment instruments. It is fraudulent to cash or deposit a check to an account to any other account not associated with the printed intended Payee account, particularly without any primary payee endorsements or notifications. I request the CFP make notification to Bank of America this transaction was fraudulently cashed or deposited and payment to the appropriately intended Payee must be made immediately. Further, I request any and all legal notification of the OCC governance and appropriate banking or check fraud notifications be made to both myself and bank of America Fraud department Via : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Phone Number XXXX Address : XXXX XXXX, XXXX XXXX XXXX, XXXX, WA, XXXX
On Tuesday, XX/XX/XXXX, I received a debt collection letter from Synergetic Communication , Inc. It states that I owe a debt of {$4000.00} to a post-secondary education company called XXXX XXXX XXXX, and offers a settlement amount of {$1000.00} that they demand be paid by XX/XX/XXXX.

I have never used, or heard, of XXXX XXXX XXXX, and have never received received any phone calls from either company before today. I do not have any outstanding past-due debts.

I have, so far, attempted to call Synergetic Communication , Inc. twice. Once at a phone number provided on the letter I received, XXXX, and again via another number I found on their web site 's contact page, XXXX. In both attempts, I was put on hold by an automated system for less than 1 minute before being given an option to leave a recorded message.
XXXX / XXXX / XXXX  ... the  Thomas  agency  XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  ... the  Thomas  agency.  XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the Thomas agency.  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  the Thomas agency.  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the Thomas agency.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  ...  XXXX  the  Thomas  agency.  XXXX   XXXX   XXXX   XXXX  I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to The  Thomas Agency, all said it would be corrected and removed, due to billings clerical err ors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.
Who do I speak with about a short pay off? I got a payoff amount of {$73000.00}. {$43000.00} payoff would be fair from all that I have bee through with Chase Bank in 13 years of home ownership. Problems with Chase has caused great harm financially and with my health.
Wages were garnished without proper notification. My wages are being garnished from a debt incurred in 2000 based on court documents. I did not have the opportunity to dispute, review, or offers to settle. This debt is not on my credit report, I have no information on the debt. I am able to access my credit report and debts incurred and have no dispute against my obligations, however ; I do not have any information regarding this debt. 
Legal Firm responsible for garnishment : Marvin SC Dang LLC XXXX Hawaii
My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, XXXX, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading, confusing, & I feel taken advantage of. I have been pushed into forbearance for years as my only option not knowing that outlandish amounts of interest was accruing.
Great American XXXX XXXX ( XXXX ) sent consumer a settlement offer to remedy account # : XXXX in the amount of {$1400.00}. Consumer used a credit card to pay the amount of {$1400.00} on or before XXXX XXXX 2016. Consumer was promised that if payment was received by that date Great American XXXX XXXX would report to all XXXX major credit bureaus the payment and remedy consumers account. Consumer sent payment by credit card ( confirmation number : XXXX ) and continues to receive past due statements requesting payments in the amount of {$84.00} for the account referencing # : XXXX. Consumer wants the account credited the amount promised and closed as promised by Great American XXXX XXXX ( XXXX ). Consumer has paper documents to verify the interaction and will mail those documents to the Illinois Attorney General 's Consumer Protection Division of XXXX office and cite fraud and extortion as there are numerous complaints online to verify this type of fraudulent behavior from many consumers who have interacted with Great American XXXX XXXX Consumer wants Great American XXXX to either return the money of notify the XXXX major credit bureaus that the debt has been satisfied and is no longer viable as promised.
This stated with a deposit being made at this sub par branch into y account with a check. 

I was notified that out of the {$5000.00} deposit, {$1000.00} would be available the next day. When I check the next day there was only {$200.00} available. 

Please note that this was my wedding anniversary and I was in XXXX XXXX counting on this money to be there ... in fact I had already spent $ 300+ of it on our dinner ... Well Fargo rubbed salt in the wound by charging me a {$35.00} overdraft fee. 

When I called client support the XXXX person who answered was apologetic and went through the normal script routine and when I was told they could not release the funds I asked to speak with a manager who spoke from the same script. 

They stated the only people who could release the funds was the branch itself which I was then transferred to. The person who I spoke with went along the same script ... again ... when I stated with conviction that I would be taking legal action he transferred me to XXXX XXXX. 

Her inability to solve simple problems and how she seemed to enjoy to openly disrespect a U.S. Veteran, on his anniversary, proved she is incapable of her current position. 

This branch will lie, cheat, and steal and I look forward to publicly shaming them on a continuous basis until a public apology is submitted as well as a substantial settlement. 

It should also be noted that when the deposit was made via check, an option was given to deposit cash to ensure availability but since the {$1000.00} was stated to be available we did not go with that option or the option to deposit the funds into XXXX where my wife banks ... and where I will be shortly. 

CFPB, FTC and the Attorney General are also being notified in addition to legal action being taken.
I re-financed a private student loan serviced by AES. AES received the payment from my new lender on XX/XX/XXXX. AES told me they did not mail a check for the amount of overpayment ( {$470.00} ) until XX/XX/XXXX. The overpayment resulted from a delay in when I applied for a refinancing loan and when the documents were signed. Despite AES 's claim that this check was sent to my new lender on XX/XX/XXXX, the new lender 's servicer did not receive the refund until XX/XX/XXXX. This seems to be an unconscionable delay, as I was charged for XXXX months of interest on this overage amount. A refund of an overpayment should not take XXXX months in this digital age and overpayments appear to be an unavoidable consequence of the delay involved in reviewing refinancing offers. A XXXX issue I have with my new loan servicer ( XXXX XXXX XXXX ) is that the refund of the overpayment was not reflect on my online account - I had to call them to request a special payment history to receive an explanation of how the refund was applied to my balance.
Dear Transunion LLC, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
RPM mortgage, XXXX which was presented by XXXX XXXX, handled my poor house buying experience. On XXXX/XXXX/16, we signed an offer for a house for sale in XXXX XXXX and it was accepted on same day. XXXX stated that me and my husband are fully approved and cleared me to sign the removal of contingencies on XXXX/XXXX/16. XXXX stated that everything is good to go. 
On the last day of escrow day XXXX/XXXX/16 in the afternoon, XXXX XXXX from RPM sent me an email, stating that if I have a free time to call her, I called promptly even though the email does not seem urgent. They are asking me to provide them a current statement of account of my condo property in the XXXX which is impossible for me to get due to time difference and time constraint as the last day of escrow. Per my agent XXXX XXXX XXXX, seller is giving us 3 days to perform that will end on Saturday XXXX/XXXX/16, however, it falls on weekends in the XXXX so I can not contact anybody to assist me and there 's no on-line banking access available for me. I was repeatedly sending email of urgent request to my bank in the XXXX and hoping I can get immediate assistance. It was so stressful for me and my family to think whatever we can to provide what the lender is asking as they said, if I can not submit anything then they can not release the funding. Then, on Sunday XXXX XXXX but already Monday morning in the XXXX, I got an email from my bank in the XXXX ( XXXX bank ) saying that it needs to be processed within XXXX10 business days. XXXX stated that " It is over, can not proceed as the seller accepted 5 days guaranteed closing due to cash buyer ''. It was very difficult to hear that. I called my agent ( XXXX ) as I noticed that house to purchase is already back on market on Sunday ( XXXX/XXXX/16 ). Per XXXX XXXX, it 's because the extension to perform expired on Saturday XXXX/XXXX/16. Next, On Monday XXXX time, my agent called and said that the seller accepted a new offer and it 's not a cash buyer, it is also for new escrow processing. I can not understand what is going on as I was left alone all of the sudden at the end of the game. 
I truly believe that the lender jeopardized me and my rights tremendously to loose the opportunity to proceed, it cost me {$5000.00} as seller is keeping it from the down payment, also for the home inspection of {$350.00} and appraisal fee {$550.00}, for total {$5900.00}, and not mentioning the emotional distress and pressure for my whole family as we need to find an immediate place to move as our lease contract will be expired by the end of XXXX. We never expected this to happen. 
I attempted to contact XXXX to see if she can pay for all the damages made from their incompetence and negligence, however, she said she can only help for {$1000.00} and the appraisal fee of {$550.00}. If the lender did not cleared me to sign the contingencies and stating that everything is ok then, I should not proceed signing that made me loose the ability to refund my full down payment. I think it would be fair enough if the lender will reimburse me all hard earned money I lost from their fault.
I opened a secured credit card account with Capital One on XX/XX/XXXX, with an annual membership fee of {$29.00}. I was never informed by Capital One or any of its representatives that Capital One had a {$0.00} annual fee secured credit card offer. Recently, while online I discovered this information. I called Capital One on XX/XX/XXXX, twice. The first representative said he wrote out a complaint for me concerning this. When I got off the phone I realized that I didn't ask the rep. how long it would take for me to get a response to this complaint. When I called the second time I spoke to a different rep. and I asked for reimbursement for the annual fees I paid, during the time other members paid nothing. She told me that the {$29.00} annual fee was the agreement I made with Capital One. If I would like to, I can open a new secured credit card account for the No Annual Fee Secured Credit Card. She refused to put in a request for an offer of reimbursement. I believe it is unfair that Capital One withheld this information from me. It is unfair that I was charged for the same service that others were not charged for. I believe Capital One is a dishonest company.